Welcome to the Docs

Here you'll find guides, resources, and references to build with Plaid.

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

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Explore Products

Transactions

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

Auth

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

Balance

Retrieve real-time balance information.

Identity

Verify users' financial account ownership and reduce fraud.

Assets

Access users' financial information for loan underwriting.

Investments

View holdings and transactions from investment accounts.

Liabilities

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

Transfer

Send and receive money.

Payment Initiation (Europe)

Initiate payments within your app.

Virtual Accounts (Europe)

Manage the entire lifecycle of a payment.

Identity Verification

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

Monitor

Sanction, PEP, and watchlist screening for anti-money laundering compliance.

Income

Verify income and employment.

Signal

Assess the return risk of an ACH debit transaction.

Explore by use case

Bank onboarding	Auth to fetch account ACH info for money movement Balance to fetch real-time account balances and avoid overdrafts Identity to reduce fraud and complement KYC procedures Income to verify income and employment Transfer (beta) to transfer funds between accounts Identity Verification to verify user identity for KYC Monitor to screen customers against AML watchlists Signal to assess the return risk of an ACH debit transaction
Consumer and peer-to-peer payments	Auth to fetch account ACH info for money movement Balance to fetch real-time account balances and avoid overdrafts Identity to reduce fraud and complement KYC procedures Identity Verification to verify user identity for KYC Monitor to screen customers against AML watchlists Transfer (beta) to transfer funds between accounts Signal to assess the return risk of an ACH debit transaction
Financial management and wealth management tools	Transactions to fetch detailed transaction history Liabilities to fetch loan and debt details Investments to fetch investment holdings and transactions details
Loan underwriting and servicing	Assets to verify borrowers' assets and transaction history Liabilities to get information about outstanding loans Income to verify income and employment Identity to confirm customer information and reduce fraud Balance to fetch real-time account balances and avoid overdrafts on loan payments Auth to fetch account ACH info for money movement Identity Verification to verify user identity for KYC Monitor to screen customers against AML watchlists
Bill payments and business finances	Auth to fetch account ACH info for payroll, invoicing, and reimbursements Balance to fetch real-time account balances and avoid overdrafts Transactions to fetch transaction history and find reimbursable expenses Transfer (beta) to transfer funds between accounts