README

A robust and secure integration between Laravel, Plaid API, and Stripe API, enabling users to link bank accounts, process card or ACH payments, and transfer payouts to car owners.

System Flow

1. Card Payments (Pay-In via Stripe)

sequenceDiagram
    participant Customer
    participant Laravel
    participant Stripe

    Customer->>Laravel: Provide Card Info
    Laravel->>Stripe: Create Payment Method (Card)
    Stripe-->>Laravel: Payment Method ID
    Laravel->>Stripe: Create Payment Intent
    Stripe-->>Laravel: Payment Confirmation
    Laravel-->>Customer: Payment Success

2. Bank Account Pay-In (Plaid + Stripe ACH Debit)

sequenceDiagram
    participant User
    participant Laravel
    participant Plaid
    participant Stripe

    User->>Laravel: Request Plaid Link Token
    Laravel->>Plaid: POST /link/token/create
    Plaid-->>Laravel: Link Token
    Laravel-->>User: Return Link Token

    User->>Plaid: Select Bank & Authenticate
    Plaid-->>User: Public Token
    User->>Laravel: Send Public Token

    Laravel->>Plaid: Exchange Public Token for Access Token & Account Info
    Plaid-->>Laravel: Bank Account Details
    Laravel->>Stripe: Create Bank Account Payment Method
    Stripe-->>Laravel: Payment Method ID
    Laravel->>Stripe: Create Payment Intent (ACH Debit)

3. Merchant Payout to Car Owners (Stripe Payout)

sequenceDiagram
    participant Merchant
    participant Laravel
    participant Stripe
    participant CarOwner

    Laravel->>Stripe: Create Connected Account for Car Owner
    Laravel->>Stripe: Initiate Payout
    Stripe-->>CarOwner: Funds Deposited to Bank

Key Features

• Plaid Integration for secure bank account linking

• Stripe Pay-In with:

  • Credit/Debit cards
  • ACH debits via Plaid-linked bank accounts

• Stripe Payouts to car owners’ bank accounts

• Transaction Management Dashboard

• Secure API-first architecture

• Responsive UI built with BootstrapCSS

Prerequisites

• PHP 8.1+
• Composer
• Node.js 16+
• MySQL 5.7+
• Plaid API credentials
• Stripe API keys (secret & publishable)

Installation

1. Clone the repository:

git clone https://github.com/engyahmed7/laravel-plaid-to-stripe-payments.git
cd laravel-plaid-to-stripe-payments

1. Install PHP dependencies:

composer install

1. Install JavaScript dependencies:

npm install
npm run dev

1. Create environment file:

cp .env.example .env

1. Generate application key:

php artisan key:generate

1. Configure environment variables in .env:

DB_DATABASE=your_database_name
DB_USERNAME=your_db_username
DB_PASSWORD=your_db_password

PLAID_CLIENT_ID=your_plaid_client_id
PLAID_SECRET=your_plaid_secret
PLAID_ENV=sandbox # or development/production

STRIPE_KEY=your_stripe_publishable_key
STRIPE_SECRET=your_stripe_secret_key

1. Run migrations:

php artisan migrate

Usage

Card Pay-In

1. Create a Stripe customer
2. Add a payment method (card)
3. Create a payment intent to charge the customer

Bank Account Pay-In via Plaid

1. Use Plaid Link to connect a bank account
2. Exchange the public token for bank account info
3. Create a Stripe payment method of type us_bank_account
4. Create a Stripe payment intent to debit the bank account

Payout to Car Owners

1. Create a Stripe connected account for the owner
2. Initiate payout using Stripe::payouts->create()

Development Notes

⚠️ This project uses Plaid’s Sandbox Environment and Stripe test mode by default for development and testing.

For production deployment, follow these steps:

1. Replace sandbox credentials with production keys
2. Set PLAID_ENV=production in .env
3. Complete Plaid's production onboarding process

Contributing

Contributions are welcome! Please follow these steps:

1. Fork the repository
2. Create a feature branch:
   git checkout -b feature/amazing-feature
3. Commit your changes:
   git commit -m 'Add some amazing feature'
4. Push to the branch:
   git push origin feature/amazing-feature
5. Open a Pull Request with a clear description

Learn More

For detailed documentation, visit:

• Plaid Docs
• Stripe Docs