Add Checkout.com to your app
Instantly authenticate bank account details for use with Checkout.com’s Unified Payments API, and unlock unrivaled payment performance
Overview
Plaid and Checkout.com have partnered to offer a more secure and frictionless ACH payments experience. Plaid enables the authentication of external bank accounts and returns account data that is exchanged securely to Checkout.com prior to payment initiation - businesses no longer need to hold any sensitive customer account information.
Companies can then easily process ACH payments using Checkout.com’s unified payments API. Businesses choose Checkout.com to power connected payments with its high authorization rates, global coverage, and modular microservices model. Checkout.com makes it easy for businesses to access a full suite of payment offerings, through one seamless solution.
Getting Started
You'll first want to familiarize yourself with Plaid Link, a drop-in client-side integration for the Plaid API that handles input validation, error handling, and multi-factor authentication. You will also need to have a verified Checkout.com account to add a bank funding source. Your customers will use Link to authenticate with their financial institution and select the bank account they wish to connect. From there, you'll receive a Plaid access_token
and a Checkout.com processor_token
, which allows you to quickly and securely verify a bank funding source via Checkout.com's API without having to store any sensitive banking information. Utilizing Plaid + Checkout.com enables a seamless workflow for connecting external financial accounts to Checkout.com.
Instructions
Set up your accounts
You'll need accounts at both Plaid and Checkout.com in order to use the Plaid + Checkout.com integration. You'll also need to enable your Plaid account for the Checkout.com integration.
First, you will need to work with the Checkout.com team to sign up for a Checkout.com account, if you do not already have one.
Next, verify that your Plaid account is enabled for the integration. If you do not have a Plaid account, create one.
To enable your Plaid account for the integration, go to the Integrations section of the account dashboard. If the integration is off, simply click the 'Enable' button for Checkout.com to enable the integration.
You'll need to complete your Plaid Application Profile in the Dashboard, which involves filling out basic information about your app, such as your company name and website. This step helps your end-users learn more how your product uses their bank information and is also required for connecting to some banks.
Finally, you'll need to go to the Link customization UI and pick the use cases that you will be using Checkout.com to power, so that Plaid can request the appropriate authorization and consent from your end users. If you have any questions, contact Checkout.com.
Create a link_token
In order to integrate with Plaid Link, you will first need to create a link_token
. A link_token
is a short-lived, one-time use token that is used to authenticate your app with Link. To create one,
make a /link/token/create
request with your client_id
, secret
, and a few other
required parameters from your app server. For a full list of link_token
configurations, see /link/token/create
.
To see your client_id
and secret
, visit the Plaid Dashboard.
1const request: LinkTokenCreateRequest = {2 loading_sample: true3};4try {5 const response = await plaidClient.linkTokenCreate(request);6 const linkToken = response.data.link_token;7} catch (error) {8 // handle error9}
Integrate with Plaid Link
Once you have a link_token
, all it takes is a few lines of client-side JavaScript to launch
Link. Then, in the onSuccess
callback, you can call a simple server-side handler to exchange
the Link public_token
for a Plaid access_token
and a Checkout.com processor_token
.
1<button id="linkButton">Open Link - Institution Select</button>2<script src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"></script>3<script>4 (async function(){5 var linkHandler = Plaid.create({6 // Make a request to your server to fetch a new link_token.7 token: (await $.post('/create_link_token')).link_token,8 onSuccess: function(public_token, metadata) {9 // The onSuccess function is called when the user has successfully10 // authenticated and selected an account to use.11 //12 // When called, you will send the public_token and the selected accounts,13 // metadata.accounts, to your backend app server.14 sendDataToBackendServer({15 public_token: public_token,16 accounts: metadata.accounts17 });18 },19 onExit: function(err, metadata) {20 // The user exited the Link flow.21 if (err != null) {22 // The user encountered a Plaid API error prior to exiting.23 }24 // metadata contains information about the institution25 // that the user selected and the most recent API request IDs.26 // Storing this information can be helpful for support.27 },28 });29 })();3031 // Trigger the authentication view32 document.getElementById('linkButton').onclick = function() {33 // Link will automatically detect the institution ID34 // associated with the public token and present the35 // credential view to your user.36 linkHandler.open();37 };38</script>
See the Link parameter reference for complete documentation on possible configurations.
Plaid.create
accepts one argument, a configuration Object
, and returns an Object
with three functions, open
, exit
, and destroy
. Calling open
will display the "Institution Select" view, calling exit
will close Link, and calling destroy
will clean up the iframe.
Write server-side handler
The Link module handles the entire onboarding flow securely and quickly, but does not actually retrieve account
data for a user. Instead, the Link module returns a public_token
and an accounts
array, which is a property
on the metadata
object, via the onSuccess
callback. Exchange this public_token
for a Plaid access_token
using the /item/public_token/exchange
API endpoint.
The accounts
array will contain information about bank accounts associated with the credentials entered by the
user, and may contain multiple accounts if the user has more than one bank account at the institution. If you want the user to specify only a single account to link so you know which account to use with Checkout.com, set Account Select to "enabled for one account" in the Plaid Dashboard. When this setting is selected, the accounts
array will always contain exactly one account.
Once you have identified the account you will use, you will send the access_token
and account_id
property of the account to Plaid via the /processor/token/create
endpoint in order to create a Checkout.com processor_token
. You'll send this token
to Checkout.com and they will use it to securely retrieve account details from Plaid.
You can create Checkout.com processor_tokens
in both API environments:
- Sandbox (https://sandbox.plaid.com): test simulated users
- Production (https://production.plaid.com): production environment for when you're ready to go live and have valid Checkout.com Production credentials
1const {2 Configuration,3 PlaidApi,4 PlaidEnvironments,5 ProcessorTokenCreateRequest,6} = require('plaid');78// Change sandbox to production when you're ready to go live!9const configuration = new Configuration({10 basePath: PlaidEnvironments[process.env.PLAID_ENV],11 baseOptions: {12 headers: {13 'PLAID-CLIENT-ID': process.env.PLAID_CLIENT_ID,14 'PLAID-SECRET': process.env.PLAID_SECRET,15 'Plaid-Version': '2020-09-14',16 },17 },18});1920const plaidClient = new PlaidApi(configuration);2122try {23 // Exchange the public_token from Plaid Link for an access token.24 const tokenResponse = await plaidClient.itemPublicTokenExchange({25 public_token: publicToken,26 });27 const accessToken = tokenResponse.data.access_token;2829 // Create a processor token for a specific account id.30 const request: ProcessorTokenCreateRequest = {31 access_token: accessToken,32 account_id: accountID,33 processor: 'checkout',34 };35 const processorTokenResponse = await plaidClient.processorTokenCreate(36 request,37 );38 const processorToken = processorTokenResponse.data.processor_token;39} catch (error) {40 // handle error41}
For a valid request, the API will return a JSON response similar to:
1{2 "processor_token": "processor-sandbox-0asd1-a92nc",3 "request_id": "m8MDnv9okwxFNBV"4}
For possible error codes, see the full listing of Plaid error codes.
Example code in Plaid Pattern
For a real-life example of an app that incorporates the creation of processor tokens, see the Node-based Plaid Pattern Account Funding sample app. Pattern Account Funding is a sample account funding app that creates a processor token to send to your payment partner. The processor token creation code can be found in items.js
Launching to Production
Test with Sandbox credentials
To test the integration in Sandbox mode, simply use the Plaid Sandbox credentials
along when launching Link with a link_token
created in the Sandbox environment.
When testing in the Sandbox, you have the option to use the /sandbox/public_token/create
endpoint instead of the end-to-end Link flow to create a public_token
. When using the /sandbox/public_token/create
-based flow, the Account Select flow will be bypassed and the accounts
array will not be populated. On Sandbox, instead of using the accounts
array, you can call /accounts/get
and test with any returned account ID associated with an account with the subtype checking
or savings
.
Get ready for production
Your account is immediately enabled for our Sandbox environment (https://sandbox.plaid.com). To move to Production, please request access from the Dashboard. You will need Checkout.com Production credentials prior to initiating live traffic in the Checkout.com API with Plaid.
Support and questions
Find answers to many common integration questions and concerns—such as pricing, sandbox and test mode usage, and more, in our docs.
If you're still stuck, open a support ticket with information describing the issue that you're experiencing and we'll get back to you as soon as we can.