Once the user permissions data access via Plaid, we issue a revocable user token for each individual—eliminating the need to store credentials on your servers.

User forgets a password? No problem: Plaid will automatically direct to the bank’s password reset flow.

For banks that offer multi-factor authentication, Plaid has an automatic MFA code forwarding system that helps complete the login flow after users receive the unique code on their devices.

Plaid manages error handling for over 60,000 unique bank errors—covering all the institutions Plaid supports.

So if something goes wrong, Plaid notifies the user of the specific problem and offers clear guidance to fix it—eliminating vague messages that don’t help.

Traditional account and routing number signups can take up to seven days to initiate, and often require the user to manually inspect their bank account and input unique transactions.

From end-to-end, Plaid takes the average user just 11.5 seconds to complete, according to a partner study. This simplicity and speed can boost conversions.