fix: Plaid webhook verification (#1824)

* Fix Plaid webhook verification

* Fix client creation in webhook controller

app/controllers/concerns/accountable_resource.rb

@@ -53,7 +53,7 @@ module AccountableResource
   private
     def set_link_token
       @us_link_token = Current.family.get_link_token(
-        webhooks_url: webhooks_url,
+        webhooks_url: plaid_us_webhooks_url,
         redirect_url: accounts_url,
         accountable_type: accountable_type.name,
         region: :us
@@ -61,7 +61,7 @@ module AccountableResource
 
       if Current.family.eu?
         @eu_link_token = Current.family.get_link_token(
-          webhooks_url: webhooks_url,
+          webhooks_url: plaid_eu_webhooks_url,
           redirect_url: accounts_url,
           accountable_type: accountable_type.name,
           region: :eu
@@ -69,11 +69,16 @@ module AccountableResource
       end
     end
 
-    def webhooks_url
+    def plaid_us_webhooks_url
       return webhooks_plaid_url if Rails.env.production?
 
-      base_url = ENV.fetch("DEV_WEBHOOKS_URL", root_url.chomp("/"))
-      base_url + "/webhooks/plaid"
+      ENV.fetch("DEV_WEBHOOKS_URL", root_url.chomp("/")) + "/webhooks/plaid"
+    end
+
+    def plaid_eu_webhooks_url
+      return webhooks_plaid_eu_url if Rails.env.production?
+
+      ENV.fetch("DEV_WEBHOOKS_URL", root_url.chomp("/")) + "/webhooks/plaid_eu"
     end
 
     def accountable_type

app/controllers/webhooks_controller.rb

@@ -6,8 +6,25 @@ class WebhooksController < ApplicationController
     webhook_body = request.body.read
     plaid_verification_header = request.headers["Plaid-Verification"]
 
-    Provider::Plaid.validate_webhook!(plaid_verification_header, webhook_body)
-    Provider::Plaid.process_webhook(webhook_body)
+    client = Provider::Plaid.new(Rails.application.config.plaid, region: :us)
+
+    client.validate_webhook!(plaid_verification_header, webhook_body)
+    client.process_webhook(webhook_body)
+
+    render json: { received: true }, status: :ok
+  rescue => error
+    Sentry.capture_exception(error)
+    render json: { error: "Invalid webhook: #{error.message}" }, status: :bad_request
+  end
+
+  def plaid_eu
+    webhook_body = request.body.read
+    plaid_verification_header = request.headers["Plaid-Verification"]
+
+    client = Provider::Plaid.new(Rails.application.config.plaid_eu, region: :eu)
+
+    client.validate_webhook!(plaid_verification_header, webhook_body)
+    client.process_webhook(webhook_body)
 
     render json: { received: true }, status: :ok
   rescue => error

app/models/concerns/plaidable.rb

@@ -3,11 +3,11 @@ module Plaidable
 
   class_methods do
     def plaid_us_provider
-      Provider::Plaid.new(Rails.application.config.plaid, :us) if Rails.application.config.plaid
+      Provider::Plaid.new(Rails.application.config.plaid, region: :us) if Rails.application.config.plaid
     end
 
     def plaid_eu_provider
-      Provider::Plaid.new(Rails.application.config.plaid_eu, :eu) if Rails.application.config.plaid_eu
+      Provider::Plaid.new(Rails.application.config.plaid_eu, region: :eu) if Rails.application.config.plaid_eu
     end
 
     def plaid_provider_for_region(region)

app/models/provider/plaid.rb

@@ -4,65 +4,67 @@ class Provider::Plaid
   MAYBE_SUPPORTED_PLAID_PRODUCTS = %w[transactions investments liabilities].freeze
   MAX_HISTORY_DAYS = Rails.env.development? ? 90 : 730
 
-  class << self
-    def process_webhook(webhook_body)
-      parsed = JSON.parse(webhook_body)
-      type = parsed["webhook_type"]
-      code = parsed["webhook_code"]
-
-      item = PlaidItem.find_by(plaid_id: parsed["item_id"])
-
-      case [ type, code ]
-      when [ "TRANSACTIONS", "SYNC_UPDATES_AVAILABLE" ]
-        item.sync_later
-      when [ "INVESTMENTS_TRANSACTIONS", "DEFAULT_UPDATE" ]
-        item.sync_later
-      when [ "HOLDINGS", "DEFAULT_UPDATE" ]
-        item.sync_later
-      else
-        Rails.logger.warn("Unhandled Plaid webhook type: #{type}:#{code}")
-      end
-    end
-
-    def validate_webhook!(verification_header, raw_body)
-      jwks_loader = ->(options) do
-        key_id = options[:kid]
-
-        jwk_response = client.webhook_verification_key_get(
-          Plaid::WebhookVerificationKeyGetRequest.new(key_id: key_id)
-        )
-
-        jwks = JWT::JWK::Set.new([ jwk_response.key.to_hash ])
-
-        jwks.filter! { |key| key[:use] == "sig" }
-        jwks
-      end
-
-      payload, _header = JWT.decode(
-        verification_header, nil, true,
-        {
-          algorithms: [ "ES256" ],
-          jwks: jwks_loader,
-          verify_expiration: false
-        }
-      )
-
-      issued_at = Time.at(payload["iat"])
-      raise JWT::VerificationError, "Webhook is too old" if Time.now - issued_at > 5.minutes
-
-      expected_hash = payload["request_body_sha256"]
-      actual_hash = Digest::SHA256.hexdigest(raw_body)
-      raise JWT::VerificationError, "Invalid webhook body hash" unless ActiveSupport::SecurityUtils.secure_compare(expected_hash, actual_hash)
-    end
-  end
-
-  def initialize(config, region)
+  def initialize(config, region: :us)
     @client = Plaid::PlaidApi.new(
       Plaid::ApiClient.new(config)
     )
     @region = region
   end
 
+  def process_webhook(webhook_body)
+    parsed = JSON.parse(webhook_body)
+
+    type = parsed["webhook_type"]
+    code = parsed["webhook_code"]
+
+    item = PlaidItem.find_by(plaid_id: parsed["item_id"])
+
+    case [ type, code ]
+    when [ "TRANSACTIONS", "SYNC_UPDATES_AVAILABLE" ]
+      item.sync_later
+    when [ "INVESTMENTS_TRANSACTIONS", "DEFAULT_UPDATE" ]
+      item.sync_later
+    when [ "HOLDINGS", "DEFAULT_UPDATE" ]
+      item.sync_later
+    else
+      Rails.logger.warn("Unhandled Plaid webhook type: #{type}:#{code}")
+    end
+  rescue => error
+    # Processing errors shouldn't return a 400 to Plaid since they are internal, so capture silently
+    Sentry.capture_exception(error)
+  end
+
+  def validate_webhook!(verification_header, raw_body)
+    jwks_loader = ->(options) do
+      key_id = options[:kid]
+
+      jwk_response = client.webhook_verification_key_get(
+        Plaid::WebhookVerificationKeyGetRequest.new(key_id: key_id)
+      )
+
+      jwks = JWT::JWK::Set.new([ jwk_response.key.to_hash ])
+
+      jwks.filter! { |key| key[:use] == "sig" }
+      jwks
+    end
+
+    payload, _header = JWT.decode(
+      verification_header, nil, true,
+      {
+        algorithms: [ "ES256" ],
+        jwks: jwks_loader,
+        verify_expiration: false
+      }
+    )
+
+    issued_at = Time.at(payload["iat"])
+    raise JWT::VerificationError, "Webhook is too old" if Time.now - issued_at > 5.minutes
+
+    expected_hash = payload["request_body_sha256"]
+    actual_hash = Digest::SHA256.hexdigest(raw_body)
+    raise JWT::VerificationError, "Invalid webhook body hash" unless ActiveSupport::SecurityUtils.secure_compare(expected_hash, actual_hash)
+  end
+
   def get_link_token(user_id:, webhooks_url:, redirect_url:, accountable_type: nil)
     request = Plaid::LinkTokenCreateRequest.new({
       user: { client_user_id: user_id },

config/routes.rb

@@ -182,6 +182,7 @@ Rails.application.routes.draw do
 
   namespace :webhooks do
     post "plaid"
+    post "plaid_eu"
     post "stripe"
   end