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  1. Overview
  2. Funding sources
  3. Bank accounts

Link bank accounts with Plaid

Moov’s partnership with Plaid allows mutual customers to verify bank accounts through instant account verification (IAV).

Instead of waiting for the account holder to complete the micro-deposit verification process, you can verify bank accounts seamlessly with Plaid Link.

You have two options to integrate Plaid:

Moov-managed Plaid integration

Once Plaid has completed the OAuth registration process, you can use Moov.js to link bank accounts using Plaid. See our Moov.js Plaid Link documentation.

Bring your own Plaid integration

If you are an existing Plaid customer, follow these steps to connect Plaid with Moov:

  1. Follow Plaid's documentation on adding Moov to your app
  2. Verify bank account with Plaid Link
  3. Once you have identified the account you will use, you will send the access_token and account_id property of the account to Plaid via their /processor/token/create endpoint in order to create a Moov processor_token.
  4. Once you have identified the account you will use, you will send the access_token and account_id property of the account to Plaid via their /processor/token/create endpoint in order to create a processor_token you’ll use with Moov.
  5. Pass the processor_token to Moov’s bank account POST endpoint

Once you’ve completed these steps, Moov will inspect the Plaid processor token for bank account information and treat it as a verified bank account that’s ready to be used as a funding source for a Moov account.

You must use a Plaid production keys to generate the processor_token. Sandbox keys will fail when passed to Moov.
Note that there is a 4-6 week time frame before going live with Plaid. In addition to establishing the contract, there is an OAuth registration process that you will need to wait for before having production access to run IAV with Plaid.
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