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Plaid | TabaPay Integration: Read here.

Use Cases

• ACH Credit and Debit: Facilitate direct payments to bank accounts through the ACH network.
• RTP Send: Send funds instantly via the Real-Time Payments (RTP) network.
• FedNow Send: Initiate instant payments using the Federal Reserve’s FedNow Service.

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Did you know that you can send a Plaid account to enable payments processing with TabaPay?

TabaPay is integrated with multiple processors who provide a token for a payment instrument (payment card or bank account). This allows you to switch between processors based on your business needs.

How Plaid Accounts with TabaPay Works

If you would like to use a Plaid account, the Create Transaction API request allows you to pass the processor token value to TabaPay.

TabaPay will de-tokenize the Plaid account using our integration with the processor, and obtain the underlying payment instrument.

Once TabaPay receives the payment instrument, we enable it for payments processing based on your configuration: ACH, RTP, or FedNow (coming soon).

1. You send the Create Transaction API request with the processor name Plaid and the Plaid token both within the link object.
2. TabaPay de-tokenizes the token with Plaid
3. Plaid returns the account and routing numbers for the bank
4. TabaPay sends the payment request to the network/bank.
5. The bank returns the payment processing request.
6. TabaPay returns with the API response.

Implementation Pre-Requisites

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TabaPay-compatible Plaid Accounts

Plaid accounts must be explicitly enabled for the TabaPay integration before they can be used with TabaPay's APIs.

To learn how to enable in the integrations section of your Plaid dashboard, refer to Plaid's Add TabaPay to your app - Set Up Your Accounts.

Integration with TabaPay

For field descriptions, refer to Create Transaction API. For the full example, refer to the recipes.

{
...
"accounts": {
    "sourceAccountID": "ClwYphAF2cw54LKbnj698A",
    "destinationAccount": {
      "link": {
        "name": "Plaid",
        "token": "Plaidtoken123"
      },
      "owner": {
        "name": {
          "first": "Jane",
          "last": "Doe"
        }
      }
    }
},
...

Key Fields

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Next steps?

Send an email to [email protected] to get started

Recipes using Plaid Accounts

Learn how Plaid accounts are used in an API request and response.

RTP (push)

ACH

The following are ACH Credit (push) and ACH Debit (pull) examples.

ACH Credit (push)

ACH Debit (pull)