plaid.rb

require 'httparty'

class Plaid

  class << self
    def connect(username, password, institution, options = {})

      # Login only unless otherwise specified
      options[:login_only] ||= true
      options[:webhook] ||= ENV['PLAID_WEBHOOK_URL'] if ENV['PLAID_WEBHOOK_URL']

      # Form request options
      request_options = {
        body: {
          client_id: ENV['PLAID_CUSTOMER_ID'],
          secret: ENV['PLAID_SECRET'],
          username: username,
          password: password,
          type: institution,
          options: options
        }
      }

      # Request
      HTTParty.post(plaid_url + '/connect', request_options)
    end

    def submit_mfa(access_token, mfa_response, options = {})
      request_options = {
        body: {
          client_id: ENV['PLAID_CUSTOMER_ID'],
          secret: ENV['PLAID_SECRET'],
          access_token: access_token,
          mfa: mfa_response,
          options: options
        }
      }

      # Request
      HTTParty.post(plaid_url + '/connect/step', request_options)
    end

    def get(access_token, options = {})
      # Form request options
      request_options = {
        body: {
          client_id: ENV['PLAID_CUSTOMER_ID'],
          secret: ENV['PLAID_SECRET'],
          access_token: access_token,
          options: options
        }
      }

      # Request
      HTTParty.post(plaid_url + '/connect/get', request_options)
    end

    def plaid_url
      ENV['PLAID_ENV'] == 'production' ? 'https://api.plaid.com' : 'https://tartan.plaid.com'
    end
  end
end