Laravel Stripe Plaid

Simple package for creating a Stripe Bank Account Token from Plaid Link.

Installation

This package requires Laravel 5.5 or higher.

Require the package using composer:

composer require alexvargash/laravel-stripe-plaid

The service provider will automatically get registered.

You can publish the configuration file with:

php artisan vendor:publish --provider="AlexVargash\LaravelStripePlaid\StripePlaidServiceProvider" --tag="config"

When published, the config/stripe-plaid.php config file contains:

return [

    /*
    |--------------------------------------------------------------------------
    | Environment
    |--------------------------------------------------------------------------
    |
    | The environment on which the API host will be set up, the accepted values
    | are: sandbox, development and production.
    | https://plaid.com/docs/api/#api-host
    |
    */
    'environment' => env('PLAID_ENVIRONMENT', ''),

    /*
    |--------------------------------------------------------------------------
    | Secret
    |--------------------------------------------------------------------------
    |
    | Private API key, here you need to add the respective secret key based on
    | the environment that is set up. This value can be found on your Plaid
    | account under the keys section.
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'secret' => env('PLAID_SECRET', ''),

    /*
    |--------------------------------------------------------------------------
    | Client Id
    |--------------------------------------------------------------------------
    |
    | The client id is an identifier for the Plaid account and can be found
    | on your Plaid account under the keys section. This value is always
    | the same, doesn't change based on environment.
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'client_id' => env('PLAID_CLIENT_ID', ''),

    /*
    |--------------------------------------------------------------------------
    | Client Name
    |--------------------------------------------------------------------------
    |
    | The name of your application, as it should be displayed in Link.
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'client_name' => env('PLAID_CLIENT_NAME', ''),

    /*
    |--------------------------------------------------------------------------
    | Language
    |--------------------------------------------------------------------------
    |
    | The language that Link should be displayed in.
    | When using a Link customization, the language configured here must match the setting
    | in the customization, or the customization will not be applied.
    | Supported languages are: English ('en'), French ('fr'), Spanish ('es'), Dutch ('nl')
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'language' => 'en',

    /*
    |--------------------------------------------------------------------------
    | Country Codes
    |--------------------------------------------------------------------------
    |
    | Specify an array of Plaid-supported country codes using the ISO-3166-1 alpha-2 country code standard.
    | Note that if you initialize with a European country code, your users will see the European consent panel
    | during the Link flow.
    | If Link is launched with multiple country codes, only products that you are enabled for in all countries will be used by Link.
    | Supported country codes are: US, CA, ES, FR, GB, IE, NL. Example value: ['US', 'CA'].
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'country_codes' => ['US'],

    /*
    |--------------------------------------------------------------------------
    | Products
    |--------------------------------------------------------------------------
    |
    | List of Plaid product(s) you wish to use. If launching Link in update mode,
    | should be omitted; required otherwise
    | Supported products are: transactions, auth, identity, assets, investments, liabilities, payment_initiation.
    | Example value: ['auth', 'transactions']
    | https://plaid.com/docs/api/tokens/#token-endpoints
    |
    */
    'products' => ['auth', 'transactions'],

];

Usage

First, add the Plaid keys and environment to the config/stripe-plaid.php file or on your .env.

PLAID_ENVIRONMENT=sandbox
PLAID_SECRET=your_plaid_secret_key
PLAID_CLIENT_ID=your_plaid_client_id
PLAID_CLIENT_NAME=your_app_name

Then, you need to create the link_token which is required as a parameter when initializing Link. Once Link has been initialized, it returns a public_token.

To create the public token use createLinkToken, this function needs the $clientUserId (you can find more information here), optionally this fuction accepts $clientName, $products, $language, $countryCodes if you don't provide these values the values on config/stripe-plaid.php config file will be used.

use AlexVargash\LaravelStripePlaid\StripePlaid;

$clientUserId = 'client_user_id';

$stripePlaid = new StripePlaid();
$linkToken   = $stripePlaid->createLinkToken($clientUserId);

Now you can use the value of $linkToken on Link Web to get the public_token and account_id values.

use AlexVargash\LaravelStripePlaid\StripePlaid;

$accountId   = 'plaid_link_account_id';
$publicToken = 'plaid_link_public_token';

$stripePlaid = new StripePlaid();
$stripeToken = $stripePlaid->getStripeToken($publicToken, $accountId);

After that you can process the payment with the $stripeToken as you do with a Stripe Elements token.

The link creation and the exchange can be done with a Facade too.

use AlexVargash\LaravelStripePlaid\Facades\StripePlaid;

$clientUserId = 'your_end_user_id';

$linkToken    = StripePlaid::createLinkToken($clientUserId);

use AlexVargash\LaravelStripePlaid\Facades\StripePlaid;

$accountId   = 'plaid_link_account_id';
$publicToken = 'plaid_link_public_token';

$stripeToken = StripePlaid::getStripeToken($publicToken, $accountId);

Alternatively the Plaid keys can be set prior token exchange, this is handy when multiple Plaid accounts are going to be used.

use AlexVargash\LaravelStripePlaid\StripePlaid;

$secret      = 'your_plaid_secret_key';
$clientId    = 'your_plaid_client_id';
$environment = 'sandbox';
$accountId   = 'plaid_link_account_id';
$publicToken = 'plaid_link_public_token';

$stripeToken = StripePlaid::make($secret, $clientId, $environment)->getStripeToken($publicToken, $accountId);

Exceptions

When an error occurs a PlaidException will be thrown. You can catch the PlaidException on the Exceptions\Handler.php file:

public function render($request, Exception $exception)
{
    if ($exception instanceof \AlexVargash\LaravelStripePlaid\Exceptions\PlaidException) {
        // Manage exception here ...
    }

    return parent::render($request, $exception);
}

Contributing

Pull requests are welcome. For major changes, please open an issue first to discuss what you would like to change.

Please make sure to update tests as appropriate.

Contributors

License

MIT