I Synking Plaid&Dwolla Tokens
How do we sync User Plaid account with User Dwolla account after initial verifications? Right now we are simply creating the pairs and keep in our system and below is what we do:
After Plaid link->plaid access token->processor token->dwolla token we have two tokens at our disposal. Before sending money, we take a Dwolla Link and use a corresponding Plaid Token to ask if there is enough money in a bank.
So two questions:
a) Do we need to always keep the plaid token (that is paired to a corresponding Dwolla token) on our side, or there is a better way of obtaining the right Plaid token to do a balance check?
b) What happens if a Plaid token is changed or a bank account is modified or even deleted? Do we have to manually delete it from Dwolla? Where can we learn more about this case?
II Dwolla Balance.
What is the main purpose of the Dwolla user account, the one that a user gets initially? Do we have to use it as a priority, when sending money?
Example: user has paid a merchant $100, we take our 5% commission and decide to give that user a 2% cashback. Do we have to involve that user’s Dwolla Account as an extra step, we can just send the 2% to their bank? And how does that user get’s there cash backs that have accumulated overtime on their Dwolla Account if we don’t want to bombard users with extra info that they have a Dwolla account? Does he get a limit on sending money to one of his bank accounts?
III Connecting Merchants.
Do we use a Plaid link to connect Merchants Bank accounts? Or we can/have to use a Dwolla solution?