Plaid Processer Extension - Developer Spec v1

Important

This feature extension is intended only for publishers who already have integrated with Plaid. To work successfully with this spec, you'll first need to complete the CRP implementation and WebSDK.

Overview

The Plaid Processor Extension, which is an upcoming feature in development, introduces a streamlined customer onboarding flow for publishers who already have Plaid integrations. This feature eliminates redundant account linking by allowing publishers to leverage their existing Plaid processor tokens during CRP customer creation.

Feature Details

Endpoint: POST /v2/data/connections

Purpose: Create customers with integrated account linking using existing Plaid processor tokens

Status: In Development

Key Benefits

• Eliminates duplicate account linking flows - Users link their accounts once with the publisher and automatically have access within the CRP rewards experience
• Unified API call - Create both customer and account link in a single request
• Seamless Web SDK integration - Works with existing Web SDK implementation to deliver personalized offers immediately after customer creation

Use Case

Perfect for publishers who:

1. Already have Plaid integrations for account linking
2. Want to onboard users to CRP without requiring additional account linking steps
3. Need to provide immediate personalized offers through the Web SDK

Integration Flow

1. Publisher initiates the process.
2. Calls the /v2/data/connections endpoint (using a Plaid processor token).
3. Data flows into the CRP System.
4. Account Link is established using the processor token.
5. The Web SDK integrates with this link.
6. Finally, users receive Personalized Offers based on linked account data.

Developer Impact

This endpoint complements rather than replaces existing functionality. Publishers can choose between:

• Traditional flow: Separate customer creation + Web SDK account linking
• Streamlined flow: Combined customer + account link creation via processor tokens

The Web SDK continues to function as before, but can now leverage pre-linked account data for enhanced user experience from the first interaction.