ravinder-no-token-plaid | Stripe Developers | Page 1

final shard May 26, 2022, 3:35 PM

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Hello 👋
Give me a moment to catch up here, thanks 🙂

finite star May 26, 2022, 3:37 PM

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👋

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Once you have identified the account you will use, you will send Plaid the account_id property of the account along with the access_token you obtained from /item/public_token/exchange. Plaid will automatically create and return a Stripe bank account token for this account, which can then be used to move money via Stripe's ACH API. The bank account token will be linked to the Stripe account you linked in your Plaid Dashboard.

Note that the Stripe bank account token is a one-time use token. To store bank account information for later use, you can use a Stripe customer object and create an associated bank account from the token, or you can use a Stripe Custom account and create an associated external bank account from the token. This bank account information should work indefinitely, unless the user's bank account information changes or they revoke Plaid's permissions to access their account (when using certain financial institutions). The Plaid access_token, on the other hand, does not expire and should be persisted securely.

ref: https://plaid.com/docs/auth/partnerships/stripe/

Auth

Use Stripe with Plaid Auth to send and receive payments

thorny yoke May 26, 2022, 3:45 PM

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👋 stepping in here.

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So you are trying to tokenize with Plaid on your platform and use that bank account on a Connected Account?

finite star May 26, 2022, 3:50 PM

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@thorny yoke yes, you are correct

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i got this bank account id from plaid

thorny yoke May 26, 2022, 3:52 PM

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Gotcha, so in that case you want to attach the bank account to a customer on your platform and then clone it to the Connected Account to be able to use it on the Connected Account. See: https://stripe.com/docs/connect/cloning-customers-across-accounts

Clone customers across accounts

With Connect, you can clone your customers' payment information across multiple connected accounts for reuse.

finite star May 26, 2022, 3:55 PM

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Let me check document

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so you are saying that without implementing the above, this will not work, right?

I am confirming because it was working fine a few days before. Does anything change recentely?

thorny yoke May 26, 2022, 3:59 PM

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Well it works on your platform

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But you would need to link your Connected Account with Plaid to create the bank account on your Connected Account

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I assume a few days ago you weren't doing this with Connect involved?

finite star May 26, 2022, 4:02 PM

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is it possible to link a connected account with plaid? because when i link stripe application in plaid dashboard, i get option to login and i always end up with linking main account only

thorny yoke May 26, 2022, 4:03 PM

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What type of Connected account is it?

finite star May 26, 2022, 4:03 PM

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Direct account

thorny yoke May 26, 2022, 4:03 PM

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Standard?

finite star May 26, 2022, 4:03 PM

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yesr

thorny yoke May 26, 2022, 4:03 PM

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Was it created via your platform?

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Or it was created on its own first then connected to your platform?

finite star May 26, 2022, 4:05 PM

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it was created on its own first and then connected to your platform

thorny yoke May 26, 2022, 4:06 PM

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Okay then if you log in to that account you can go through the same onboarding process with Plaid that you went through with your platform

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But you as the platform can't connect that account

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Really if you are the platform controlling htings here then you should be going the route I described above and cloning the bank accounts

finite star May 26, 2022, 4:08 PM

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but if I will go with your suggestion then we have to ask main stripe account api key, right?

thorny yoke May 26, 2022, 4:09 PM

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I'm not sure what you mean by that exactly

finite star May 26, 2022, 4:10 PM

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can you tell me which account API key we need to initiate StripeClient?

connected account or standard account or both

thorny yoke May 26, 2022, 4:11 PM

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You would solely use your platform key. Then you pass the Stripe Account Header of the Connected Account (https://stripe.com/docs/connect/authentication) when you need to make requests on your Connected Account

finite star May 26, 2022, 4:23 PM

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i am working on a WordPress plugin

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can you tell me to which Stripe account the plaid store that bank account before returning bank acocunt id?

thorny yoke May 26, 2022, 4:28 PM

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The Stripe account that is Connected to Plaid is where the bank account token will be created

finite star May 26, 2022, 4:29 PM

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so technically I am using two different Stripe accounts, right?
one on website and second on plaid

thorny yoke May 26, 2022, 4:29 PM

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No should be the same account

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It is Connected to Plaid

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And if you are using WordPress then WordPress is a plugin

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Meaning it uses your Stripe account with their code (more or less)

finite star May 26, 2022, 4:32 PM

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In the WordPress plugin, I connected the plugin user Stripe account with my platform which has different API keys than my regular account. If I will make any API request with a connected account Stripe account key, does it reflect on the main stripe account like customer, payment etc?

thorny yoke May 26, 2022, 4:34 PM

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What do you mean by "main stripe account"? Can you use "platform" and "connected account" so we are on the same page?

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So your connected account is using WordPress

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And you are asking if that account uses its API keys to create requests, where will those requests show up?

finite star May 26, 2022, 4:36 PM

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yes, you are right

thorny yoke May 26, 2022, 4:37 PM

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Okay then those requests would appear on the Connected Account as that account's keys were used to make the request.

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The request would not appear on your platform

finite star May 26, 2022, 5:05 PM

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I am getting same error

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i am not able to save source to customer

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ref: https://stripe.com/docs/connect/cloning-customers-across-accounts

thorny yoke May 26, 2022, 5:05 PM

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Can you provide the request ID?

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Are you attaching the bank account to a customer on your platform first?

finite star May 26, 2022, 5:07 PM

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yes, i am doing that

thorny yoke May 26, 2022, 5:07 PM

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Okay please share the request ID so I can take a look!

finite star May 26, 2022, 5:09 PM

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req_Rxkz9tb7TgpAbF

thorny yoke May 26, 2022, 5:15 PM

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Okay there seems to be some confusion here. There are now 3 different accounts interacting? That request is a GET request triggered by acct_19H2L0LyXkL8xusL which is trying to retrieve a bank token on acct_1CPAoXIXAFKOeVM9 but that token was actually created by Plaid on acct_1GkAMKFiakRwvTTg

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So there seems to be quite a large mix up here

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And you may need to back up a bit

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I need to step away but my colleague is going to jump in to help further

ripe saddle May 26, 2022, 5:26 PM

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Hi 👋 I'm stepping for @thorny yoke
I agree with my colleague that you may want to step back and identify all accounts involved and how they should relate

finite star May 26, 2022, 5:29 PM

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can you guide me on how can I access bank acount token on acct_1CPAoXIXAFKOeVM9 created by acct_1GkAMKFiakRwvTTg

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i am not sure about acct_19H2L0LyXkL8xusL

ripe saddle May 26, 2022, 5:33 PM

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What is the relationship of acct_1CPAoXIXAFKOeVM9 to acct_1GkAMKFiakRwvTTg?

finite star May 26, 2022, 5:34 PM

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both account created after connected with same Stripe account

ripe saddle May 26, 2022, 5:35 PM

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Is one of the accounts a Platform? Is your account the platform?

finite star May 26, 2022, 5:36 PM

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platform means from which account I logged in to stripe, right?

ripe saddle May 26, 2022, 5:37 PM

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Please read this doc thoroughly and make sure you understand the relationships between all accounts involved. This determines what you can and cannot do with the data associated with each account: https://stripe.com/docs/connect

finite star May 26, 2022, 6:00 PM

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Do we have same problem in request id req_wZtQI0xKa1pYaQ

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i confirmed that i used acct_1CPAoXIXAFKOeVM9 account when connect stripe on plaid and our plateform app

ripe saddle May 26, 2022, 6:02 PM

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The source used here belongs to acct_1GkAMKFiakRwvTTg. It cannot be accessed by acct_1CPAoXIXAFKOeVM9

finite star May 26, 2022, 6:03 PM

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i am not sure how token is generating with other account.

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on plaid

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i confirmed that i am onboarded with give_test

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ripe saddle May 26, 2022, 6:06 PM

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If you want to assign the bank account as a source to a Customer on a different account, the account where the Bank Account Source is created must be the Platform and the Account where the Customer lives must be a Connect Account linked to that platform

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Which account is linked to Plaid?

#ravinder-no-token-plaid