VoPay + Plaid Integration – Open Finance Payments Service

Our partnership with Plaid allows clients who wish to integrate directly with Plaid to use that integration in conjunction with VoPay and take advantage of our open finance payment service. You can learn more here. With the VoPay API, users can initiate payments via EFT / ACH through a single implementation. VoPay’s solution supports the full cycle of money movement for growing businesses, including payment initiation, approvals, monitoring, and reconciliation. As part of the integration, VoPay customers can utilize Plaid’s APIs for real-time payment initiation.

For clients with an existing integration with Plaid or who plan to use the Plaid APIs directly, it is recommended that you use the processor token workflow.

Common Behaviour

Getting Started

Firstly, you should familiarize yourself with Plaid Link, a drop-in integration for the Plaid API that handles input validation, error handling, and multi-factor authentication. Your customers will use Link to authenticate with their financial institution and select the bank account they wish to use for EFT / ACH transactions. From there, you’ll receive a plaid public token and plaid account ID, which allows you to quickly and securely verify a bank funding source via VoPay’s API without having to store any sensitive banking information. Utilizing VoPay + Plaid enables a seamless workflow for sending and receiving payments.


With the Processor Token approach, you are responsible for exchanging the Public Token for an Access Token. When you wish to initiate a transaction, you will call Plaid’s API to create a Processor Token from your Access Token.

The full step-by-step process after you receive the Public Token and Account ID from the Plaid iframe is as follows:

  1. Within 30 minutes you exchange the Plaid Public Token you received for an Access Token by calling Plaid’s endpoint /item/public_token/exchange.
  2. Once you successfully receive the AccessToken you need to generate the Processor Token by calling Plaid’s endpoint processor/token/create
  3. You make an API call to the desired EFT endpoint, providing the PlaidProcessorToken instead of account number, transit number, and financial institution number.
  4. iQ11 fetches the account number, transit number, and financial institution number for the specified Plaid Processor token and uses that to process the EFT transaction.

Important Note

To use the Plaid integration, you need to configure your Plaid connection with the endpoint account/set-plaid-credentials. After this step you will be able to connect successfully.

VoPay account configuration for Plaid

To configure your VoPay account to use Plaid, use the following endpoint.


This method is used to set up the Plaid credentials to use Plaid on EFT.

Request Parameters

AccountIDStringYYour account ID
KeyStringYAPI key for the account
SignatureStringYHashed signature for the request
PlaidClientIDStringYThe unique client ID from Plaid
PlaidSecretKeyStringYThe unique secret key Plaid
PlaidUrlStringYThe URL defines the Plaid environment. For example  https://sandbox.plaid.com for sandbox, https://development.plaid.com for development, and https://production.plaid.com for production.

Response Parameters

SuccessBoolTrue if the request was successful, false if it failed
ErrorMessageStringContains a description of the error if the request failed
PlaidClientIDStringYour updated plaid client ID
PlaidSecretKeyStringYour updated plaid secret key
PlaidUrlStringYour updated plaid URL

Once your VoPay account is configured with Plaid, you will be able to use it to make payments using our EFT Fund and EFT Withdraw API endpoints.


Have a question? See our FAQ or contact our support team. We look forward to helping you digitize online bank payments with ease.

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