Create Bank Account (Plaid)

POST	https://api.sfox.com/v1/bank-accounts/plaid-processors

Link and verify an end user's bank account via Plaid processor token(s).

---

sFOX and Plaid have partnered to enable end users to instantly link and verify a bank account. sFOX will use the Plaid processor_token provided to securely retrieve bank account details from Plaid and enable ACH transfers.

Request

• Requires a User Auth Token for authentication. Requests attempted using an Connect API Key will result in an error.

• There is a limit of one linked bank account per sFOX account. If you would like to link a different bank account, you must first disconnect the currently linked bank.

Body Parameters

Name	Type	Description
data required	[object]	The Plaid processor_tokens and associated processors
processor required	string	The processor associated with this token. Possible values: sfox, dwolla
token required	string	The processor_token retrieved from Plaid.

Example Requests

Shell

#sFOX & Dwolla p-token: Link bank account and enable ACH transfers
curl -X POST 'https://api.sfox.com/v1/bank-accounts/plaid-processors' \
  -H 'Content-type: application/json' \
  -H "Authorization: Bearer ${USER_AUTH_TOKEN}" \
  -d '{ 
      "data": [
        {
          "processor": "sfox",
          "token": "${SFOX_PLAID_PROCESSOR_TOKEN}"
        },
        {
          "processor": "dwolla",
          "token": "${DWOLLA_PLAID_PROCESSOR_TOKEN}"
        }
      ]
   }'

#sFOX p-token only: Links bank account, does not enable ACH transfers
curl -X POST 'https://api.sfox.com/v1/bank-accounts/plaid-processors' \
  -H 'Content-type: application/json' \
  -H "Authorization: Bearer ${USER_AUTH_TOKEN}" \
  -d '{ 
      "data": [{
        "processor": "sfox",
        "token": "${SFOX_PLAID_PROCESSOR_TOKEN}"
      }]
   }'

NodeJS

//sFOX & Dwolla p-token: Link bank account and enable ACH transfers
const axios = require('axios');

const payload = JSON.stringify({
    "data": [
      {
        "processor": "sfox",
        "token": "${SFOX_PLAID_PROCESSOR_TOKEN}"
      },
      {
        "processor": "dwolla",
        "token": "${DWOLLA_PLAID_PROCESSOR_TOKEN}"
      }
    ]
})

const config = {
  method: 'post',
  url: 'https://api.sfox.com/v1/bank-accounts/plaid-processors',
  headers: {
    'Content-Type': 'application/json',
    'Authorization': `Bearer ${process.env.USER_AUTH_TOKEN}`
  },
  data: data
}

axios(config)
  .then(response => {
    console.log(response.status)
    console.log(response.data)
  }).catch(err => {
    console.error(err.response.status)
    console.error(err.response.data)
  });


  
//sFOX p-token only: Links bank account, does not enable ACH transfers
const axios = require('axios');

const payload = JSON.stringify({
    "data": [
      {
        "processor": "sfox",
        "token": "${SFOX_PLAID_PROCESSOR_TOKEN}"
      }
    ]
})

const config = {
  method: 'post',
  url: 'https://api.sfox.com/v1/bank-accounts/plaid-processors',
  headers: {
    'Content-Type': 'application/json',
    'Authorization': `Bearer ${process.env.USER_AUTH_TOKEN}`
  },
  data: data
}

axios(config)
  .then(response => {
    console.log(response.status)
    console.log(response.data)
  }).catch(err => {
    console.error(err.response.status)
    console.error(err.response.data)
  });

Python

#sFOX & Dwolla p-token: Link bank account and enable ACH transfers
import requests
import os

data = requests.post(
  "https://api.sfox.com/v1/bank-accounts/plaid-processors",
  headers={
    "Authorization": f"Bearer {os.environ['USER_AUTH_TOKEN']}"
  },
  json={
    "data": [
      {
        "processor": "sfox",
        "token": "SFOX_PLAID_PROCESSOR_TOKEN"
      },
      {
        "processor": "dwolla",
        "token": "DWOLLA_PLAID_PROCESSOR_TOKEN"
      }      
    ]
  }
)
print(data.status_code)
print(data.json())



#sFOX p-token only: Links bank account, does not enable ACH transfers
import requests
import os

data = requests.post(
  "https://api.sfox.com/v1/bank-accounts/plaid-processors",
  headers={
    "Authorization": f"Bearer {os.environ['USER_AUTH_TOKEN']}"
  },
  json={
    "data": [
      {
        "processor": "sfox",
        "token": "PLAID_PROCESSOR_TOKEN"
      }
    ]
  }
)
print(data.status_code)
print(data.json())

Response

Response Body

Name	Type	Description
data	[object]	The Plaid processor_tokens and associated processors
processor	string	The processor associated with the token that was processed. Possible values: sfox, dwolla
status	string	The status of processing the token.
bank_account_id	string	The ID of the associated bank account. (id from Get Bank Account)
date_added	string	Date-time the token was added.
date_updated	string	Date-time the token was last updated.

Responses

201: Created

sFOX and Dwolla p-tokens processed successfully

{
    "data": [
        {
            "processor": "sfox",
            "status": "created",
            "bank_account_id": "05a59670-e7c2-4611-a356-d20cae93e939",
            "date_added": "2025-05-14T01:55:35.664Z",
            "date_updated": "2025-05-14T01:55:35.664Z"
        },
        {
            "processor": "dwolla",
            "status": "created",
            "bank_account_id": "05a59670-e7c2-4611-a356-d20cae93e939",
            "date_added": "2025-05-14T01:55:38.786Z",
            "date_updated": "2025-05-14T01:55:38.786Z"
        }
    ]
}

sFOX p-token successfully processed

{
    "data": [
        {
            "processor": "sfox",
            "status": "created",
            "bank_account_id": "05a59670-e7c2-4611-a356-d20cae93e939",
            "date_added": "2025-05-14T01:55:35.664Z",
            "date_updated": "2025-05-14T01:55:35.664Z"
        }
    ]
}

422: Unprocessable Entity

Active bank account is linked to this end user's account. To link a new bank account, remove the current bank account and try again.

{
    "error": "could not process your sfox processor token: This account already has a bank account linked to it that is active"
}

sFOX p-token not included in a request with a Dwolla p-token.

{
    "error": "At least one sfox processor token is required if a dwolla processor token is given"
}