Plants
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Mandate

By continuing you hereby authorize each of Example Store (“Example Company”), its processor, and any financial institution (the “Suppliers”) working in connection with either of them, to debit your bank account up to the full amount of your purchase, including for any applicable fees, taxes, and other costs, including shipping costs.

Additionally, you authorize Example Company to debit or credit your bank account to correct any erroneous debit, to make necessary adjustments to your payment, to issue a refund back to your bank account, or to facilitate any recurring and/or sequential debits initiated by you. This authority remains in full force and effect until Example Company has received written notification from you of its termination in such time and manner as to afford ExampleCompany and the Suppliers to act on it.

If you wish Example Company to charge you for services or purchases that occur on a regular basis, you are authorizing Shift4 Example Store to debit your bank account periodically.

ACH Payment Method with Plaid and 0Auth

This example is extended version of ACH Payment Method with Plaid adding support for 0Auth user verification using returnUrl parameter in our API.

After successful user authorization Plaid can redirect user to the page determined by returnUrl parameter. Example of this return page can be found at this localization.

Details of 0Auth and when redirect will happen can be found in official Plaid Link 0Auth guide

ACH Payment Method with Plaid

Possible verification scenarios in Plaid can be divided into two groups: instant and asynchronous.

Instant Verification

Instant verification happens when PaymentMethod is ready to be Charged immediately after customer has finished Plaid setup process. The event "payment_method_update" would be created and PaymentMethod would have status "chargeable" .

Test scenario

To finish test Payment Method verified instantly setup you can use following steps during Plaid configuration:

  • Search for Houndstooth Bank in Link.
  • Enter user_good and pass_good in the Credential pane.
  • Select the second account that is returned: Plaid Savings (****1111).
  • In the Routing number input, enter: 021000021
  • In the Account number input, enter: 1111222233331111
  • Link will display the success view – click continue finish account setup.
Asynchronous Verification

Asynchronous verification happens when PaymentMethod is not yet ready to be Charged after customer has finished Plaid setup process. An event fo type payment_method_update would be created and PaymentMethod would have status pending.

This verification process of such account can take up to a week. After it is finished an event payment_method_update would be created and PaymentMethod would get status chargeable or failed.

Test scenario

In Test mode PaymentMethod will became chargeable in few seconds to simplify testing.

To finish test Payment Method verified asynchronously you can use following steps during Plaid configuration:

  • Search for Houndstooth Bank in Link.
  • Enter user_good and microdeposits_good in the Credential pane.
  • Select the first account that is returned: Plaid Checking (****0000).
  • In the Routing number input, enter: 021000021
  • In the Account number input, enter: 1111222233330000
  • Enter any first and last name.
  • Link will display the Automated Micro-deposit success view – click continue to finish account setup.
ACH Mandate

Prior to processing an ACH payment, you must first get permission from the customer by presenting a mandate. This mandate only needs to be displayed the first time you collect the ACH payment details and must be presented as part of the payment flow on your website. Final language should be reviewed and approved by your legal council review before adding it to your payments checkout page.

Example mandate is present in the example view for reference.

ACH without Plaid

One can also use our ACH without Plaid, receiving account details directly from customer. See our ACH Payment Method with bank account details for more details. 



@AjaxController
@RequestMapping("/ajax/examples/ach-payment-method-with-plaid-0auth")
class ExamplesAjaxAchWithPlaidController {

    @PostMapping("/payment-method")
    Map createPaymentMethod(@RequestBody ExampleRequest initRequest) throws IOException {
        try (Shift4Gateway shift4Gateway = createShift4Gateway()) {
            // create payment method
            PaymentMethodRequest paymentMethodRequest = new PaymentMethodRequest()
                .set("type", "ach")
                .set("ach", Map.of(
                        "verificationProvider", "plaid")
                )
                .billing(new BillingRequest()
                        .name(initRequest.billingName))
                .set("flow", Map.of(
                        "returnUrl", getSiteUrl() + "/examples/ach-payment-method-with-plaid-0auth/return"
                ));

            // pass clientObjectId of payment method to frontend to finish setup there
            return singletonMap("clientObjectId", paymentMethod.getClientObjectId());

        } catch (Shift4Exception e) {
            throw new BadRequestException(e.getMessage());
        }
    }

    private static class ExampleRequest {
        String billingName;
    }

    ...
}