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Linking methods

Rollfi supports two main linking options for employee bank accounts.
Bank account linking is one of the most important steps in employee onboarding, as it helps prevent payroll delays and returns.
To limit liability, we suggest delegating bank account linking responsibility to the employee rather than admins.

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🔹 Option 1 - Manual Account Linking

  • Employees can manually link their bank accounts using a routing number and account number.
  • Please refer to the addUserBankAccount API documentation.
  • Required fields for manual account linking:
    1. accountName
    2. accountType (Rollfi currently supports checking and savings accounts)
    3. accountNumber
    4. routingNumber
    5. payPercentage

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🔹 Option 2 - Plaid

  • Employees can also link their bank accounts using Plaid through the API.
  • Linking through Plaid ensures employee accounts are fully verified before payroll is credited.
  • There are two options for linking employee bank accounts through Plaid: email and URL.
  • For non-primary accounts, payPercentage must be specified after the bank account linking is complete using the updateUserPayPercentage API.

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🔹 Plaid Email

To request a Plaid email link, use the addUserBankAccount API. Sample request: 
{
  "method": "addUserBankAccount",
  "linkType": "Plaid",
  "plaidOptions": "sendInviteByEmail",
  "userPayAccountEntity": {
    "companyId": "8A9B7683-8E02-494D-8422-963FD05EE785",
    "userId": "e066e305-3816-4b06-8576-50d2502be436"
  }
}
📝 Notes:
  • Employees must have an email configured to receive their link.
  • The API response includes an expirationDate. Linking must be completed before expiration, or a new link request is required.

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🔹 Plaid URL Link

To request a Plaid URL, also use the addUserBankAccount API. Sample request: 
{
  "method": "addUserBankAccount",
  "linkType": "Plaid",
  "plaidOptions": "generateURL",
  "userPayAccountEntity": {
    "companyId": "8A9B7683-8E02-494D-8422-963FD05EE785",
    "userId": "e066e305-3816-4b06-8576-50d2502be436"
  }
}
📝 Notes:
  • The generated link can be used in an <iframe> to fully embed Plaid within your UI.
  • The API response includes an expirationDate for the link. Linking must be completed before expiration, or a new link request is required.