Quickstart

Learn about Plaid's key concepts and run starter code

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API Reference

Explore server-side API libraries and integrate with API endpoints

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Link

Link, Plaid's client-side component, helps your users connect their accounts

Build with Link

Payments and Funding

Auth

Retrieve bank account information for ACH, wire, and other bank-to-bank transfers.

Balance

Retrieve real-time balance information to prevent ACH returns.

Identity

Verify users' financial account ownership and reduce fraud.

Signal

Reduce fraud and provide instant funds access by assessing the return risk of an ACH debit transaction.

Transfer

Send and receive money end to end with Plaid.

Investments Move

Get verified data for initiating an ACATS or ATON brokerage-to-brokerage transfer.

Payment Initiation (Europe)

Initiate payments within your app.

Virtual Accounts (Europe)

Use with Payment Initiation to manage the entire lifecycle of a payment, and enable cashouts and refunds.

Financial Insights

Transactions

Retrieve transaction data for budgeting tools, expense management, and more.

Investments

View holdings and transactions from investment accounts.

Liabilities

Access loan data, like balances and interest rates, for student loans, mortgages, and credit cards.

Enrich

Add detailed information and insights to your existing transactions data.

KYC and AML Compliance

Identity Verification

Global KYC compliance and anti-fraud. Verify user identity data and documents.

Monitor

Use with Identity Verification to enable sanction, PEP, and watchlist screening for anti-money laundering compliance.

Instant Onboarding

Layer

Onboard users instantly with just a phone number.

Credit and Underwriting

Assets

Access users' financial information for loan underwriting.

Statements

Get PDF statements directly from the user's bank, for underwriting verification and compliance.

Income

Verify income and employment, for lending use cases and more.