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Prerequisites

Before you begin, ensure you have:

  • A Straddle account with API access
  • A Quiltt account with processor token capabilities
  • Quiltt Connector configured with ACCOUNT_NUMBERS and ACCOUNT_BALANCE_REFRESHES features

For a complete integration guide including Quiltt Connector setup, see our detailed Quiltt integration guide.

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Quick start

Follow these steps to create a paykey from a Quiltt processor token.

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Step 1: Obtain a Quiltt processor token

After your user connects their bank account through Quiltt Connector, create a processor token:

curl https://api.quiltt.io/v1/accounts/{ACCOUNT_ID}/processor_tokens \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer {QUILTT_API_KEY}' \
  --data '{
    "processor": "STRADDLE", 
    "issuer": "QUILTT"
  }'

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Step 2: Create a paykey via Bridge API

Use the processor token to create a paykey:

curl -X POST https://api.straddle.io/v1/bridge/quiltt \
  -H "Authorization: Bearer YOUR_STRADDLE_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "0191ef41-8de5-716c-bfa4-41cd79e85705",
    "quiltt_processor_token": "processor-sandbox-123abc...",
    "metadata": {
      "nickname": "My Bank Account"
    }
  }'

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Step 3: Handle the response

A successful response returns the paykey and associated bank data:

{
  "data": {
    "paykey": "05f5d55cb14f7e8a0ec2e5689376e3b4665efc34834d30995babbd5010b39913",
    "bank_data": {
      "routing_number": "011000138",
      "account_number": "******7890",
      "account_type": "checking"
    },
    "id": "0191ef49-892c-7460-99d1-f5589d7d9989",
    "customer_id": "0191ef41-8de5-716c-bfa4-41cd79e85705",
    "label": "CHASE BANK - *7890",
    "source": "quiltt",
    "institution_name": "CHASE BANK",
    "status": "active",
    "created_at": "2024-09-14T06:47:39.5648743Z",
    "updated_at": "2024-09-14T06:47:39.5648746Z",
    "metadata": {
      "quiltt_connection_id": "conn_5f7a8b9c0d1e2f3g4h5i6j7k",
      "quiltt_account_id": "acc_1a2b3c4d5e6f7g8h9i0j"
    }
  },
  "meta": {
    "api_request_id": "243431dd-7deb-4445-820d-55a942ace70f"
  },
  "response_type": "object"
}

Store the paykey securely for future transactions. Use it to create charges and Straddle will verify the account balance before processing.

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Implementation flow

1

Connect bank account

User connects their bank account via Quiltt Connector

2

Fetch account details

Fetch account details using Quiltt’s GraphQL API

3

Create processor token

Create processor token for selected account

4

Bridge to Straddle

Bridge processor token to create Straddle paykey

5

Store paykey

Store paykey for payment processing

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Troubleshooting

Common issues and their solutions:

IssueSolution
Invalid processor tokenEnsure processor: "STRADDLE" and issuer: "QUILTT"
Authentication errorsVerify your Quiltt API key and Straddle API key
Missing featuresEnable ACCOUNT_NUMBERS in Quiltt Connector
Connection not activeWait for connection status to be active