In sandbox mode the UI of plaid with user "user_good" always returns me the same bank account ended with last 4 "6789" of stripe and i need to test in my app a user with two bank accounts, the default and another one.
Is there a way to add more than 1 test bank account in stripe and returned it based on the custom plaid user or other way for an email to have more than one bank account associated via api?
It's not possible to establish multiple bank accounts for a Stripe customer with Plaid while in test mode. As you mentioned, in test mode the integration will always return the same account (regardless of what is selected in the UI).
If the second account doesn't need to be created via Plaid, then you can create a bank account token using Stripe's ACH test numbers to use with your testing.
Related
So I am building an app with react-native (expo) where a user fixes appointment with some other person and to do so, he has pay the other person.
Now how can I handle payments here. What i want is the user makes the payment and the receiver should be the other person but how much i understood the payment gateways, the payment is received by the app owner or in simple words, receiver is a single person.
I also tried deep linking to directly take the user to some UPI app like google pay or paytm but it seems that those apps require some special type of account (merchant account) to make the transaction if we access them using deep links (which is a problem as it is not necessary that every user will have a merchant account).
As I said, it is always better that you have your own payment gateway account, and all the transaction goes through your gateway, meaning you get the money and you build a system which will forward the payment to the receiver. I have worked on 2 such apps:
1: Where we have our own razorpay account, and we get the payment first, and then we forward it.
2: Where in we were directly having transaction between 2 users, but not through app, instead we display them the account details of the receiver and give them 48hrs time to pay that account. But we had to manually handle this scenario since one cannot know if the user has paid to the said account, since it's not your account.
3: There is one more method where in payment gateway has a webhook which consists of a virtual account number, and every user that lands on your app, you can create a virtual account number for him/her and store the user-virtual account number relationship in your db, whenever there is a payment, you can find out about the user through this virtual account number. Read about this.
The deep link is a good idea, but again, as you mentioned, it will require the end user to be a merchant user(have a merchant account), you can find more details here
Maybe you can ask your users to create a merchant account, which again I am not sure if it's possible, and if it's possible, if it's feasible?
The best way according to me is, you handle this through your payment gateway, and instantly forward it to the user who should have received it. Again there are some rules and clause to it(some commission is taken by those payment gateway,etc), check those things out.
I think the most close answer to my question is to use razorpay routes where we can link multiple accounts with our account and transfer money accordingly.
More details here
I start up my business so not have documents for business so I create an account personal on Paypal
so can using API or not for a private account can or not?
and I need to create something if client paid by PayPal credit card or Paypal account can't make refund again without my permission
Any suggestions?
You should upgrade to a PayPal Business account.
If you're able to obtain the necessary API credentials via https://www.payapl.com/api , you might be able to receive API-based payments with the account as it currently.
Exact specifics and potential issues can depend on your location and integration method, however--so again, you should upgrade to a PayPal Business account.
We are building an iOS app that uses Yodlee API's to retrieve credit card transactions for our users.
Right now, we are using FastLink API to connect.
Once accounts are added to a users profile, is there a way to filter the transactions for a specific account by credit card? (For credit card accounts that have multiple cards associated with them)
For example: I have one credit card account with 4 cards associated with it. I am trying to retrieve only the information for a single card. Can this be done?
Yes, you can get a particular credit card account by calling Get Account Details API-https://developer.yodlee.com/apidocs/index.php#!/accounts/getAccountDetails
by passing the accountId and container as creditCard.
Hope this helps.
I've used my live PayPal account to login to developer.paypal.com where I created 2 new accounts buyer# (personal) and seller# (business). I've implemented a PayPal plugin for a shop (CubeCart + PayPal Standard Payment Gateway plugin https://www.cubecart.com/extensions/payment-gateways/paypal-standard). When I complete an order (sandbox testing) I sign using buyer# email and password and complete the order. I can then click to view account and it shows "payment to", "unclaimed" and the amount I've paid. When I logout of this account and login as my buyer#, I see no transactions. If I log back into developer.paypal.com and go to transactions under "Sandbox" section and select any of the email addresses I see the same statement for all of them "You don't have any transactions".
If I login to sandbox.paypal.com using james-facilitator# account (business) there are no transactions here either.
If I login to sanbox.paypal.com using james-buyer# account (personal) there is only the one initial transaction here for the initial 9,999 funds
I've obviously missed something but I can't think what, I'm not sure how a sandbox account knows who it's seller should be but I've checked both sandbox seller accounts. I find it strange that the buyer account I used has registered the transaction but it seems like it's orphaned as there isn't any other record of it any where else including the developer.paypal.com sandbox transaction. I've tried this several times to see if I could get it working and I've also allowed for 24 hours just in case there was a delay somewhere.
I just want to be able to test transactions before going live.
Any help/advice?
Much appreciated :)
Cheers
James
Solved - silly really now I know but it was simply the email address I used to test the API. I used my main live account and I should have used the fake email address in my API call. Since my live controls the test accounts I assumed that this should have been used.
If an existing PayPal user has one or more credit cards saved in their PayPal account, and that user is new to my application, are those card details accessible via the Rest API Vault endpoint?
No. When you make a REST call, the end user will be providing you their card data directly. The credit cards in their PayPal account are backup funding sources. While it's possible you could get paid through them, there's no way for you to know because the payment will be shown as their PayPal account only.