Save bank details for future payments
This guide describes how to save shopper's bank details and use it for subsequent payments.
Save bank details for the first time
- Call Create a Customer API if it is a new customer and save the returned Customer ID.
Example request:
Example response:
- Create a PaymentConsent API with the Customer ID from Step 1, and save Consent ID for subsequent transactions.
Example request
Example response
- Verify a PaymentConsent through a transaction authorization or verification. You have two options to get the PaymentConsent verified.
Option 1: Save bank account details without a payment
The shopper only attaches the bank account details for future payments.
Plaid verification
Plaid is an open banking solution that helps you verify bank accounts instantly and securely.
Example request
Example response
Option 2: Save bank account details during payment
The shopper pays for the first order and attaches the bank account details for future payments. You can Create a PaymentIntent API and Confirm a PaymentIntent API with payment_consent_reference from Step 2. This will return SUCCEEDED status for the first payment if the verification is successfull.
Plaid verification
Example request:
Example response:
Initiate a subsequent transaction using stored bank account details
- Create a PaymentIntent API with the corresponding Customer ID.
Example request:
Example response:
- Confirm a PaymentIntent API with
payment_consent_reference.idto request payment with reference to the stored PaymentConsent.
Example request:
Example response:
- You can also get a list of PaymentConsents API with the corresponding
Customer IDto render the list of shopper’s payment methods they previously saved.
Example request:
Example response: