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phpstripe-paymentsplaid

How to check if bank account has already been added - Stripe Plaid ACH

Is there a way to confirm that bank account has already been added before adding them to stripe. I'm using plaid to get the btok_ token and then adding it as a new source to the stripe customer. I get this error when i try to add it.

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Solution

  • Plaid docs have some info on preventing this on the Plaid side: https://plaid.com/docs/link/duplicate-items/.

    The typical way of doing this works like this:

    Make sure to put the Link flow behind a login, so that you have identifying information about your end-user when they start Link.

    Store the value of the mask returned by the onSuccess callback in Link and associate it with the user.

    Before calling /item/public_token/exchange on a public token, check the mask returned by onSuccess against previous masks for the same user. If you find a match, the account that was just added is very likely a duplicate bank account; do not call /item/public_token/exchange.