通过Curl/PHP从Plaid获取Access Token时遇products参数问题

我正尝试通过Curl/PHP从Plaid获取Access Token，调用link/token/create接口时遇到了products参数相关的一系列问题，具体如下：

尝试1：使用["balance"]作为products参数 #

代码：

$client_id = getenv("PLAID_CLIENT_ID");
$secret = getenv("PLAID_CLIENT_SECRET");

$data = array();
$data["client_id"] = $client_id;
$data["secret"] = $secret;
$data["user"] = array(
    "client_user_id" => '1'
);
$data["products"] = ["balance"];
$data["client_name"] = 'Client Name';
$data["country_codes"] = ["US"];
$data["language"] = 'en';

$endpoint = "https://production.plaid.com/link/token/create";
$data = json_encode($data);
$ch = curl_init($endpoint);
curl_setopt($ch, CURLOPT_HTTPHEADER, array('Content-Type: application/json'));
curl_setopt($ch, CURLOPT_HEADER, 0);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_TIMEOUT, 45);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data);
$raw_result = curl_exec($ch);

收到错误：

"provided product is not supported as an initial product: balance"

尝试2：使用["auth"]作为products参数 #

修改后的代码：

$client_id = getenv("PLAID_CLIENT_ID");
$secret = getenv("PLAID_CLIENT_SECRET");

$data = array();
$data["client_id"] = $client_id;
$data["secret"] = $secret;
$data["user"] = array(
    "client_user_id" => '1'
);
$data["products"] = ["auth"];
$data["client_name"] = 'Client Name';
$data["country_codes"] = ["US"];
$data["language"] = 'en';

$endpoint = "https://production.plaid.com/link/token/create";
$data = json_encode($data);
$ch = curl_init($endpoint);
curl_setopt($ch, CURLOPT_HTTPHEADER, array('Content-Type: application/json'));
curl_setopt($ch, CURLOPT_HEADER, 0);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_TIMEOUT, 45);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data);
$raw_result = curl_exec($ch);
$result_array = json_decode($raw_result);

收到错误：

"client is not authorized to access the following products: ["auth"]"

尝试3：使用空数组作为products参数 #

代码：

$client_id = getenv("PLAID_CLIENT_ID");
$secret = getenv("PLAID_CLIENT_SECRET");

$data = array();
$data["client_id"] = $client_id;
$data["secret"] = $secret;
$data["user"] = array(
    "client_user_id" => '1'
);
$data["products"] = [];
$data["client_name"] = 'Client Name';
$data["country_codes"] = ["US"];
$data["language"] = 'en';

$endpoint = "https://production.plaid.com/link/token/create";
$data = json_encode($data);
$ch = curl_init($endpoint);
curl_setopt($ch, CURLOPT_HTTPHEADER, array('Content-Type: application/json'));
curl_setopt($ch, CURLOPT_HEADER, 0);
curl_setopt($ch, CURLOPT_POST, 1);
curl_setopt($ch, CURLOPT_TIMEOUT, 45);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($ch, CURLOPT_SSL_VERIFYPEER, 1);
curl_setopt($ch, CURLOPT_POSTFIELDS, $data);
$raw_result = curl_exec($ch);
$result_array = json_decode($raw_result);

收到错误：

"must provide at least one product"

解决方案 #

• 确认账户授权产品：登录Plaid后台，查看你的账户已启用的产品列表，只有这些产品能在products参数中使用。
• 选择合法初始产品：balance属于后续可添加的产品，不能作为初始产品传入。初始支持的产品包括transactions、identity等（以你的账户授权为准）。
• 正确设置参数：选择一个或多个账户已授权的初始产品，例如如果账户启用了transactions，则设置$data["products"] = ["transactions"];。
• 检查环境匹配：测试阶段请使用沙箱环境地址https://sandbox.plaid.com/link/token/create，避免生产环境的权限限制。

内容的提问来源于stack exchange，提问作者Roizy Kish