Bank accounts carry no processing fees and earn the highest cashback rate.On a 4% merchant offer, an ACH payment returns the full 4%, while a debit card returns 3% and a credit card 1% after processing fees. Where a user has the choice, a linked bank account is always the best-earning option.
What You Can Do
Everything below runs through the Plaid integration. See Linking Bank Account via Plaid for full request and response details.Linking
Balances & Spend Power
Transactions
Management
Requirements
All bank account operations require a Fluz user access token that includes theMANAGE_PAYMENT scope.
Bearer auth only. The Plaid fields do not accept Basic auth. Obtain a user access token through the standard authentication flow first, then call the Plaid fields with Authorization: Bearer <fluz-user-access-token>.
Balance Refresh Limits
Balance refreshes are cost-controlled per Plaid institution:- One realtime refresh per hour
- Six realtime refreshes per day
Savings Accounts
Linking a login connects every account under it, including savings.Most banks do not permit payments from savings accounts. After linking, users should remove any savings accounts they don’t intend to pay from to avoid failed transactions.
Unsupported Flows
Micro-deposit linking is intentionally unsupported. New links and relinks must use the standard Plaid Link flow, which supports balances and historical transactions.Security
We do not store Plaid access tokens, Plaid public tokens, identity-match details, bank account numbers, or routing numbers. Only safe account metadata — such as institution name, last four digits, type, and user-entered labels — is exposed through the API.Want to learn more? Speak with our experts for more info or to request a demo.