The Plaid Link + Stripe ACH integration is compatible with Plaid's API Sandbox and Stripe's test mode API.
To generate test mode bank account tokens associated with one of Stripe's test bank accounts – the test US/CA bank account with account number 000123456789 and routing number 110000000 – initialize Plaid Link with your own public_key (not test_key), and use Plaid's Sandbox credentials when authenticating.
Send the public_token and account_id, received from Plaid Link's onSuccess callback, to your app server. Then make a request to /item/public_token/exchange with the public_token and your client_id and secret (available from your Plaid Dashboard).
The /item/public_token/exchange endpoint will return an access_token. Send the access_token and the account_id to /processor/stripe/bank_account_token/create. In response, you will receive a Stripe test mode bank account token:
{
"stripe_bank_account_token": "btok_5oEetfLzPklE1fwJZ7SG",
"request_id": "ab1227Efsd1dd4A"
}
Regardless of which Plaid Sandbox account_id is provided in the /processor/stripe/bank_account_token/create request, the test mode stripe_bank_account_token that is generated will always be associated with the Stripe test account and routing number. The test mode stripe_bank_account_token will be associated with the Stripe account that you linked in the Plaid Dashboard.
Once you're successfully retrieving Stripe bank_account_tokens, you're ready to make ACH transactions with Stripe. Head to Stripe's ACH guide to get started, and if you have any issues, please reach out to Stripe Support.