Can I vibe code Trustly?

Build a node.js and React custom checkout module for open-banking transfers using Plaid and Stripe as backend processors instead of building raw bank integrations.

1. DATA MODEL
- Define database schema for PaymentIntent: id, merchant_order_id, amount, currency, status (pending, processing, succeeded, failed), payment_method_type (bank_transfer), processor (plaid/stripe), error_message, created_at.
- Create BankAccount object schema to temporarily hold masked institution name, account last4, and public token.

2. BACKEND API ROUTING
- Endpoint POST /api/payments/create-link-token: Initialize a Plaid Link token for ACH/Open Banking transfer authorization.
- Endpoint POST /api/payments/process-bank-transfer: Exchange Plaid public_token for an access_token, create a processor_token, and execute a bank transfer using Stripe PaymentIntents with bank account source.
- Endpoint POST /api/webhooks/payment-status: Handle asynchronous payment status updates from processor webhooks. Update database state and notify order management system.

3. FRONTEND COMPONENTS
- Build a responsive React component rendering bank payment option at checkout.
- Integrate Plaid Link React SDK. Upon user selection of their bank and authentication, capture the callback payload and pass to /api/payments/process-bank-transfer.
- Display explicit user consent messages required for electronic bank debits (NACHA / Open Banking disclosure text).
- Show real-time pending, success, and error states with clear feedback if bank funds are delayed.

4. FAILURE HANDLING & SAFETY
- Handle common banking errors: insufficient funds, bank API timeout, user cancellation during bank selection.
- Gracefully fall back to standard credit card checkout if bank transfer authentication fails or times out.
- Ensure zero storage of raw bank credentials, full account numbers, or routing numbers on local servers.

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