Lost Sheep Advisory

Plaid + Stripe Connect

ACH Payments for Marketplace Apps

Your app can easily direct low-cost ACH payments from customers to merchants that use your platform by using Stripe Connect.

In this guide, we'll show you how to set up Stripe Connect Standard Accounts that are ready to receive direct payments in your Bubble app using the Plaid Plugin and Stripe + Plaid ACH plugins.

With Stripe Connect Standard, the Stripe transaction fee is paid by the merchant, not the platform. Your application (the platform) can collect an additional application fee as part of the payment. Learn more here: https://stripe.com/connect/pricing

Not a marketplace? See the Stripe + Plaid ACH guide here.

Before You Begin

Add both the Plaid Plugin and Stripe + Plaid plugins to your app. 
Make sure you've completed the steps for setting up Plaid Link in your app
Make sure your Create Link Token step of Plaid Link includes the "Auth" product in the product list. This will help prevent institutions that do not support this product from showing up as options for your user. 
Have a Stripe account with ACH enabled. To do so, visit the ACH Guide (https://stripe.com/docs/guides/ach) while logged into your Stripe account and accept the terms of service.
Have a Stripe account with Connect enabled. 
Enable the Stripe Integration in your Plaid account by visiting Team Settings > Integrations and Enabling the Stripe option.

Finally, note that the Plaid + Stripe plugin is fully separate from the Bubble-built Stripe feature. The Bubble-built Stripe feature is primarily intended for credit card processing, not ACH transactions so does not expose the necessary actions to fully use ACH and Plaid. This guide assumes you are not using the Bubble-built Stripe feature, but it is theoretically possible to use them in parallel by using the same Customer ID and manually triggering payments as needed. Please get in touch if you'd like to learn more. 

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Configure the Stripe + Plaid Plugin

Set up your Stripe + Plaid Plugin by getting the keys from your Stripe dashboard

Create a Stripe Connect Account

To allow your platform's merchants to receive payments, create a Standard Connect Account. Set up your Connect accounts by creating an onboarding link for your merchants to provide information. Completing onboarding enables payments and payouts on the Connect Account.

Create Customer Bank Accounts

Once your Connect accounts have completed onboarding, set up Plaid Link so that the customers on your app can be charged on their linked bank accounts (see more in the Stripe + Plaid ACH guide). 

Charge Customer Bank Accounts

Finally, you can charge and end customer and direct those funds (less a transaction fee) to the merchant that uses your platform. 

Further Resources

There are UX and customer authorization requirements your app is required to implement.  By using Plaid, you are completing verification of the account automatically, but you still must gain authorization.  Learn more in Stripe's ACH Compliance Guidelines: https://support.stripe.com/questions/collect-ach-authorization-from-customers

The ACH process differs from credit card payments, and failures can occur at different stages. Learn more here about planning event handling, chargeback, and dispute processes.  https://stripe.com/docs/ach#ach-payments-workflow
 
Stripe ACH Guide: https://stripe.com/docs/ach

Plaid Stripe Integration Docs: https://plaid.com/docs/auth/partnerships/stripe

Create Connect Account

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Create Charge

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