Plaid billing

Plaid offers two types of pricing plans:

• Pay as you go – has no minimum spend.
• Custom (aka Scale) – minimum spend (typically $500/month) but lower per-use costs. Minimums can apply across the entire Plaid account or by product.

To view the exact pricing you may be eligible for, apply for Production access. Pricing information for pay-as-you-go plans will be displayed on the last page before you submit your access request. For exact pricing details for scale plans, select the scale pricing option on the last page, and Sales will get in touch to inform you what volume discounts you may be eligible for. Or, you can contact Sales via the contact form.

Plaid has multiple different pricing models, depending on the product. These models only apply to Production traffic; usage of Sandbox and Development environments is always free.

Note that the details outlined below are general information and guidance about typical pricing structures and policies. Your specific pricing and billing structure is governed by your agreement with Plaid. If you have questions about your bill, contact Support.

You will incur charges for one-time fee products whenever an Item is initialized with that product. This occurs when an Item has been successfully created by Link and this product was included in Link's product array. An Item is considered successfully created if an access_token was generated. If the Item was not initialized with the product at the time of creation, it can also be initialized later by calling a product endpoint belonging to that product on the Item.

For Document Income and Payroll Income, charges will be incurred when data is available to be accessed. This will typically be indicated by the INCOME_VERIFICATION webhook firing with the status of VERIFICATION_STATUS_PROCESSING_COMPLETE.

For one-time fee products, it does not matter how many API calls are made for the Item; the cost is the same regardless of whether the product's endpoints are called many times or zero times.

Products that use one-time fee pricing are: Auth, Identity, and Income.

The subscription fee model is similar to the one-time fee model, except that the Item will incur a monthly subscription fee as long as it exists, even if API calls cannot be successfully made for the Item. Removing the Item will end the subscription. Once an Item has been initialized with a subscription fee product, it is not possible to end the subscription without removing the Item via /item/remove. Plaid's subscription cycle is based on calendar months in the UTC time zone; each month begins a new cycle. Fees for Items created or removed in the middle of the month are not pro-rated.

Products that use subscription fee pricing are: Transactions (except for the /transactions/refresh endpoint), Liabilities, and Investments.

For per-request flat fee products, a flat fee is charged for each API call to that product endpoint.

Products and endpoints that use per-request flat fee pricing are: Balance (/accounts/balance/get), /transactions/refresh, /asset_report/audit_copy/create, and /asset_report/pdf/get.

For per-request flexible fee products, a fee is charged for each API call to that product endpoint. The fee may vary depending on the amount of information requested in the API request. For example, an Asset Report created with an extended transaction history (more than 61 days of transaction history) or a large number of Items may incur a higher fee.

Products and endpoints that use per-request flexible fee pricing are: /asset_report/create.

For per-payment fee products, a fee is charged for each payment initiated with the product. A payment is considered initiated if the end user reached the end of the payment flow and received a confirmation success screen. Standing orders (recurring payments) are considered a single payment but are billed on a separate pricing schedule from one-time payments. Fees will vary depending on the network used to transfer the payment.

Products that use per-payment fee pricing are: Payment Initiation (UK and Europe), Transfer, and Transfer UI.

If you are using a Plaid partner, you will be charged for Plaid API usage performed by the partner using your processor token in the same way as if the calls had been made by you. If you have questions about the partner's API activity, contact the Plaid partner.

To view billable activity for your account, see the Usage page on the developer dashboard.

Invoices will be sent each month to the billing contact configured for the team.

Pay as you go customers can update payment method and billing contact information on the developer dashboard. Custom plan customers should contact their account manager to update this information.

To add or remove products from your Plaid account, or to switch between Custom or Pay-as-you-go pricing plans, contact Support or your Plaid Account Manager.