# Adds Plaid processor tokens for ACH Direct Debit payment methods ## What’s new Adds the [external_token](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-10-28.preview#create_payment_method-us_bank_account-external_token) parameter to the [us_bank_account](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-10-28.preview#create_payment_method-us_bank_account) hash. Use this parameter with a Plaid processor token to create a verified [ACH Direct Debit](https://docs.stripe.com/payments/bank-debits.md) payment method. Set [type](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-10-28.preview#create_payment_method-us_bank_account-external_token-type) to `plaid_processor_token`, and provide the token in [plaid_processor_token](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-10-28.preview#create_payment_method-us_bank_account-external_token-plaid_processor_token). You can provide `external_token` when you [create a PaymentMethod](https://docs.stripe.com/api/payment_methods/create.md?api-version=2026-10-28.preview#create_payment_method-us_bank_account-external_token), [create](https://docs.stripe.com/api/payment_intents/create.md?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account-external_token) or [confirm a PaymentIntent](https://docs.stripe.com/api/payment_intents/confirm.md?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account-external_token), or [create](https://docs.stripe.com/api/setup_intents/create.md?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account-external_token) or [confirm a SetupIntent](https://docs.stripe.com/api/setup_intents/confirm.md?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account-external_token). Stripe uses the processor token to retrieve and verify the bank account details from Plaid, then creates a verified `us_bank_account` payment method. ## Impact You can create verified `us_bank_account` payment methods from Plaid processor tokens. If your integration already uses Plaid to verify bank accounts, pass the processor token to Stripe instead of using microdeposits, [Financial Connections](https://docs.stripe.com/financial-connections.md), or [bank account tokens](https://docs.stripe.com/api/tokens/create_bank_account.md?api-version=2026-10-28.preview). ## Changes #### REST API | Parameter | Change | Resources or endpoints | | --- | --- | --- | | `external_token` | Added | [ConfirmationToken.testHelpers#create.payment_method_data.us_bank_account](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntent#confirm.payment_method_data.us_bank_account](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntent#create.payment_method_data.us_bank_account](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntent#update.payment_method_data.us_bank_account](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethod#create.us_bank_account](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntent#confirm.payment_method_data.us_bank_account](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntent#create.payment_method_data.us_bank_account](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntent#update.payment_method_data.us_bank_account](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [Treasury.OutboundPayment#create.destination_payment_method_data.us_bank_account](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### Ruby | Parameter | Change | Resources or methods | | --- | --- | --- | | `external_token` | Added | [ConfirmationTokenCreateParams::PaymentMethodDatum::UsBankAccount](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentConfirmParams::PaymentMethodDatum::UsBankAccount](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntentCreateParams::PaymentMethodDatum::UsBankAccount](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntentUpdateParams::PaymentMethodDatum::UsBankAccount](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethodCreateParams::UsBankAccount](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentConfirmParams::PaymentMethodDatum::UsBankAccount](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntentCreateParams::PaymentMethodDatum::UsBankAccount](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntentUpdateParams::PaymentMethodDatum::UsBankAccount](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [Treasury::OutboundPaymentCreateParams::DestinationPaymentMethodDatum::UsBankAccount](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### Python | Parameter | Change | Resources or methods | | --- | --- | --- | | `external_token` | Added | [ConfirmationTokenCreateParamsPaymentMethodDatumUsBankAccount](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentConfirmParamsPaymentMethodDatumUsBankAccount](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntentCreateParamsPaymentMethodDatumUsBankAccount](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntentModifyParamsPaymentMethodDatumUsBankAccount](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethodCreateParamsUsBankAccount](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentConfirmParamsPaymentMethodDatumUsBankAccount](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntentCreateParamsPaymentMethodDatumUsBankAccount](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntentModifyParamsPaymentMethodDatumUsBankAccount](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [treasury.OutboundPaymentCreateParamsDestinationPaymentMethodDatumUsBankAccount](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### PHP | Parameter | Change | Resources or methods | | --- | --- | --- | | `external_token` | Added | [ConfirmationToken.create().$params.payment_method_datum.us_bank_account](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntent.confirm().$params.payment_method_datum.us_bank_account](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntent.create().$params.payment_method_datum.us_bank_account](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntent.update().$params.payment_method_datum.us_bank_account](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethod.create().$params.us_bank_account](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntent.confirm().$params.payment_method_datum.us_bank_account](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntent.create().$params.payment_method_datum.us_bank_account](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntent.update().$params.payment_method_datum.us_bank_account](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [Treasury\OutboundPayment.create().$params.destination_payment_method_datum.us_bank_account](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### Java | Parameter | Change | Resources or methods | | --- | --- | --- | | `externalToken` | Added | [ConfirmationTokenCreateParams.payment_method_data.us_bank_account](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentConfirmParams.payment_method_data.us_bank_account](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntentCreateParams.payment_method_data.us_bank_account](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntentUpdateParams.payment_method_data.us_bank_account](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethodCreateParams.us_bank_account](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentConfirmParams.payment_method_data.us_bank_account](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntentCreateParams.payment_method_data.us_bank_account](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntentUpdateParams.payment_method_data.us_bank_account](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [treasury.OutboundPaymentCreateParams.destination_payment_method_data.us_bank_account](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### Node.js | Parameter | Change | Resources or methods | | --- | --- | --- | | `external_token` | Added | [ConfirmationTokenCreateParams.testHelpers.payment_method_data.us_bank_account](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentConfirmParams.payment_method_data.us_bank_account](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntentCreateParams.payment_method_data.us_bank_account](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentIntentUpdateParams.payment_method_data.us_bank_account](/api/payment_intents/update?api-version=2026-10-28.preview#update_payment_intent-payment_method_data-us_bank_account), [PaymentMethodCreateParams.us_bank_account](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentConfirmParams.payment_method_data.us_bank_account](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntentCreateParams.payment_method_data.us_bank_account](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [SetupIntentUpdateParams.payment_method_data.us_bank_account](/api/setup_intents/update?api-version=2026-10-28.preview#update_setup_intent-payment_method_data-us_bank_account), [Treasury.OutboundPaymentCreateParams.destination_payment_method_data.us_bank_account](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### Go | Parameter | Change | Resources or methods | | --- | --- | --- | | `ExternalToken` | Added | [ConfirmationTokenPaymentMethodDataUsBankAccountParams](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentConfirmPaymentMethodDataUsBankAccountParams](/api/payment_intents/confirm?api-version=2026-10-28.preview#confirm_payment_intent-payment_method_data-us_bank_account), [PaymentIntentPaymentMethodDataUsBankAccountParams](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentMethodUsBankAccountParams](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentConfirmPaymentMethodDataUsBankAccountParams](/api/setup_intents/confirm?api-version=2026-10-28.preview#confirm_setup_intent-payment_method_data-us_bank_account), [SetupIntentPaymentMethodDataUsBankAccountParams](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [TreasuryOutboundPaymentDestinationPaymentMethodDataUsBankAccountParams](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | #### .NET | Parameter | Change | Resources or methods | | --- | --- | --- | | `ExternalToken` | Added | [ConfirmationTokenPaymentMethodDataUsBankAccountOptions](/api/confirmation_tokens/test_create?api-version=2026-10-28.preview#test_create-payment_method_data-us_bank_account), [PaymentIntentPaymentMethodDataUsBankAccountOptions](/api/payment_intents/create?api-version=2026-10-28.preview#create_payment_intent-payment_method_data-us_bank_account), [PaymentMethodUsBankAccountOptions](/api/payment_methods/create?api-version=2026-10-28.preview#create_payment_method-us_bank_account), [SetupIntentPaymentMethodDataUsBankAccountOptions](/api/setup_intents/create?api-version=2026-10-28.preview#create_setup_intent-payment_method_data-us_bank_account), [TreasuryOutboundPaymentDestinationPaymentMethodDataUsBankAccountOptions](/api/treasury/outbound_payments/create?api-version=2026-10-28.preview#create_outbound_payment-destination_payment_method_data-us_bank_account) | ## Upgrade #### REST API 1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench. 2. If you use an SDK, upgrade to the corresponding SDK version for this API version. - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-10-28.preview` 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Ruby 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Ruby SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Python 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Python SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### PHP 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your PHP SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Java 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Java SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Node.js 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Node SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### Go 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your Go SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). #### .NET 1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench. 2. Upgrade your .NET SDK to the latest version. 3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 4. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours. Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md). ## Related changes - [Adds support for the Wero bank redirect payment method](https://docs.stripe.com/changelog/endive/2026-10-28/wero-bank-redirect-payment-method-support.md) - [Adds settlement currency management to Balance Settings](https://docs.stripe.com/changelog/endive/2026-10-28/settlement-currency-management-balance-settings.md) - [Adds fingerprint properties to v2 bank account objects](https://docs.stripe.com/changelog/endive/2026-10-28/v2-bank-account-fingerprint-properties.md)