Reconnect

Aggregation Reconnect allows you to refresh your users bank accounts in a secure and intuitive way. You can use this to refresh the banking information of your users that were connected using aggregation.

Provide the Payment Instrument Id that you want to reconnect using the Zūm SDK/URL and it will trigger the reconnect flow.

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To reconnect a card, the username linked to the Payment Instrument Id has to be the same. In case the username has changed, the card cannot be reconnected.

Here is how Reconnect will work:

  1. User has successfully connected a bank account using Zūm Aggregation.
  2. Zūm returns a Payment Instrument Id for the user’s bank account that was connected.
  3. Trigger the Reconnect URL/SDK flow specifying the Payment Instrument Id for reconnect.
  4. Zūm will retrieve the username and the bank account associated with the Payment Instrument Id.
  5. User reconnects successfully and callbacks are returned. Once reconnected, you can access the data collected for that particular bank account via the Zūm API.

Ways to integrate#

There is one way of using Zūm Rails Aggregation Reconnect:

  1. Connector SDK
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To use the reconnect feature you will take advantage of our secure Javascript SDK. This is mandatory because of its added security when updating existing users through aggregation.

Connector SDK#

In order to reconnect a user’s card using the Connector SDK use the same payload specified here to generate the token and build the configuration. You need to specify the option paymentinstrumentidforreconnect with the value of the Payment Instrument Id that needs to be reconnected. Check the example bellow

options: {
paymentinstrumentidforreconnect: "<Payment Instrument Id value>"
}
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To activate this feature for your account, please reach out to us at support@zumrails.com or using the chat function in the portal.

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Only users added after this feature is activated will be able to reconnect their bank accounts.