Create paykeys from Quiltt tokens

Exchange Quiltt processor tokens for Straddle paykeys to enable verified ACH charges and payouts for customers connected through the Quiltt platform.

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.

Quick Start

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

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/{accountId}/processor_tokens \
  --request POST \
  --header 'Content-Type: application/json' \
  --header 'Authorization: Bearer {QUILTT_API_KEY}' \
  --data '{
    "processor": "STRADDLE", 
    "issuer": "QUILTT"
  }'

Step 2: Create a Paykey via Bridge API

Use the processor token to create a paykey:

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

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.

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

Troubleshooting

Common issues and their solutions:

Issue	Solution
Invalid processor token	Ensure processor: "STRADDLE" and issuer: "QUILTT"
Authentication errors	Verify your Quiltt API key and Straddle API key
Missing features	Enable ACCOUNT_NUMBERS in Quiltt Connector
Connection not active	Wait for connection status to be active