Plaid changelog

Track changes to the Plaid API and products

Overview

This changelog tracks updates to the Plaid API and changes to the Plaid mobile SDKs, Link flow, functionality, and APIs. The changelog is updated at least once per month. Updates that affect only products or features in beta or limited release may not always be reflected. Improvements to the Dashboard, institution connectivity, or data availability may not always be reflected.

Link SDKs are released on GitHub. A summary of updates will be posted here. For a more complete and detailed record of Link SDK changes, see the GitHub changelogs: iOS, Android, React Native, React.

Plaid's officially supported libraries are updated frequently. For details, see the GitHub changelogs: Python, Node, Ruby, Java, Go.

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August 27, 2025

For the Dashboard:

  • The "Team Management" permission is no longer required to access the Link Analytics page. Any verified user can now access this page. The "Link Customization Write Access" permission is now required to access Link Customization / Template editor pages instead of the "Team Management" permission.

For Link:

  • Released Plaid Android SDK 5.3.2, including an upgrade to version 3.25.5 of the com.google.protobuf:protobuf-kotlin-lite library.

For Auth:

  • Improved the Link UI on the "Are you sure?" screen displayed when an end user attempts to close Link without connecting an account. The new screen more prominently displays the option to link an account via non-credential based flows (if enabled), resulting in increased Link conversion.

For Plaid Check Consumer Report:

  • Added support for Consumer Report in the Embedded Institution Search Link UI. This Link configuration is recommended when using Consumer Report alongside Auth as part of a single Link flow that supports bank account linking for both underwriting and repayment.

For Layer:

  • Added Extended Autofill, which expands the number of users who can have their personal information prefilled with Layer, even if their phone number is not Layer eligible. To learn more and add Extended Autofill to your existing integration, see Extended Autofill.

For Transfer:

  • Added monthly Transfer reconciliation report emails. This feature is currently opt-in; to request access, contact your Plaid Account Manager.
August 17, 2025

For the Plaid Dashboard:

  • Added audit logs of Dashboard actions. Audit logs are available to admins via the Dashboard under Settings -> Audit Logs. Currently, core Dashboard actions are logged; logging for actions in product-specific Dashboards is not yet available. Audit logs are available only to customers on Premium Platform Support packages. To learn more about upgrading to a Premium Platform Support package, contact your Account Manager.

For all products:

  • For /item/remove, added optional reason_code and reason_note fields. Using these fields when removing an Item can help Plaid identify fraud and bad actors in the Plaid Network, improving anti-fraud data for all Plaid customers.

For Plaid Link:

  • Released Plaid Android SDK 5.3.1, fixing a bug in which screens did not properly resize for the keyboard on Android 15+.

For Plaid Check Consumer Report:

  • Added the ability to generate Verification of Assets (VoA) and Employment Refresh reports suitable for providing to GSEs. To generate these reports, use the base_report.gse_options field when calling /cra/check_report/create or /link/token/create.
  • Added the ability to create and manage OAuth tokens to securely share consumer report data with Plaid partners Experian, Fannie Mae, and Freddie Mac. For more details, see Consumer Report OAuth data sharing.

For Identity Verification:

  • In the Document Verification analysis object, added the aamva_verification object to report results from the American Association of Motor Vehicles Administrators (AAMVA) Drivers License Data Verification service. This object is currently in beta. To receive AAMVA data, you must enable the corresponding feature in your Identity Verification template under the "DMV/Secretary of State Validation" header in the Workflow tab of the Template Editor. This object will only be populated for US drivers licenses in participating states.

For Investments:

  • Removed the sedol field from responses, as this field was only available for stocks that trade on London Stock Exchange and to customers that had the appropriate licenses. The sedol field will now be null for all securities.
  • Added subtype identifiers to the security object to specify the type of a security in more detail. New subtype values are: asset backed security, bill, bond, bond with warrants, cash, cash management bill, common stock, convertible bond, convertible equity, cryptocurrency, depositary receipt, depositary receipt on debt, etf, float rating note, fund of funds, hedge fund, limited partnership unit, medium term note, money market debt, mortgage backed security, municipal bond, mutual fund, note, option, other, preferred convertible, preferred equity, private equity fund, real estate investment trust, structured equity product, treasury inflation protected securities, unit, warrant.

For Transfer:

August 6, 2025

For Plaid Link:

  • Released a visual refresh of the Link UI to match the Plaid brand refresh. This update does not change the functionality of Link.
  • Released Plaid iOS SDK 6.4.0, adding issueDescription and issueDetectedAt to EventMetadata.
  • Released Plaid Android SDK 5.3.0, adding issueDescription and issueDetectedAt to EventMetadata, the event LAYER_AUTOFILL_NOT_AVAILABLE, and supporting the dateOfBirth parameter for Layer.
  • Released Plaid React Native SDK 12.4.0. This release updates the Android SDK to 5.3.0 and the iOS SDK to 6.4.0. It also includes updates to the example application to make it more clear how to use Layer and Sync Financekit.
  • Released Plaid React Link SDK 4.1.1, patching a build issue introduced in version 4.1.0.

For Plaid Check Consumer Report:

  • Improved income forecasting calculations in the Income Insights report:
    • Tax refunds and inactive income streams will no longer contribute to forecasted income.
    • Income forecasts will now use all available income history (up to 5 years) rather than a 90 day maximum.
  • During the week of August 18, 2025, Data Transparency Messaging (DTM) will be disabled for Consumer Report until further notice. No action is needed on the part of impacted customers. For Link sessions that include both Plaid Check products and Plaid Inc. products in a single Link flow, DTM will still be used for Plaid Inc. products if it is otherwise enabled for the Link flow.

For Signal:

  • Beginning September 1, 2025, when /signal/decision/report or /signal/return/report is called with an unknown client_transaction_id (one that was never submitted to /signal/evaluate), these endpoints will return an error instead of a success response. This change better reflects that these endpoints should only be used to report returns or decisions on previously-evaluated transactions.

For Transfer:

August 4, 2025

For Plaid Link:

July 30, 2025

For Plaid Link:

July 25, 2025

For Plaid Link:

  • Released Plaid Android SDK 5.2, with new event names and a new event metadata field, improved behavior for destroy(), a smaller SDK size, and removal of unused dependencies. For more details, see the release notes
  • Released Plaid React Native SDK 12.3.0, updating the React Native SDK to use Plaid Android SDK 5.2 and Plaid iOS SDK 6.3.
  • Began rolling out a progress bar in the Link UI to all customers. During testing, Link sessions with the progress bar displayed showed a statistically significant increase in Link conversion.
July 24, 2025

For the Plaid Dashboard:

  • Improved the user experience for OAuth registration and onboarding:
    • OAuth registration status is now displayed more prominently within the Dashboard
    • Added estimated timelines for institution enablement
    • Accelerated the OAuth registration process, resulting in shorter waits for OAuth enablement
    • Added more complete list of institutions that use OAuth and their enablement statuses
    • Added detailed and actionable error messages if an error occurred during registration
    • Customers on Growth or Custom plans will automatically be enabled for access to Charles Schwab; customers on Pay-as-you-go plans will still need to explicitly request Schwab access
  • Added the ability to export the list of team members to CSV.
  • Added the ability for customers with Premium Platform Support Packages to self-serve enable SCIM in the Dashboard without contacting Plaid Support or their Account Manager.
  • Removed Data Quality related Known Issues the Dashboard, as these issues were often described in vague terms, causing customers to think they were encountering a known issue when they were not. Removing these from the Known Issues section of the Dashboard helps Plaid more accurately identify data quality issues and reduces customer confusion caused by following the wrong Known Issue. Connectivity-related Known Issues are still reported in the Dashboard.
  • When users attempt a Dashboard action they don't have permissions for, they will now be shown a list of admins whom they can contact to request permission.

For Plaid Link:

  • Released React Native Plaid Link SDK 12.2.1, with bug fix for the error message "PLKEnvironmentDevelopment not defined".
  • Released Plaid iOS SDK 6.3, with new event names and a new event metadata field, enhancements for the SwiftUI API, and improved FinanceKit testing capabilities. For more details, see the release notes.

For Plaid Check Consumer Reports:

  • Added support for Verification of Assets and Employment Refresh for mortgage lenders via /cra/check_report/verification/get. This feature is in Early Availability; contact Sales or your Account Manager to learn more.
  • Improved the accuracy of insufficient funds (NSF) transaction calculations, leading to fewer transactions being reported under the nsf_overdraft_transactions_count fields.
  • For Income Insights, improved the accuracy of income categorization, forecasted income, and historical income.
  • Added institution details (institution_name and institution_id) to /cra/monitoring_insights/get response.
  • Added require_identity boolean to options object in /cra/check_report/create and /link/token/create requests. If set to true and user identity data is not available, CRA report creation will fail, and you will not be charged.
  • Updated and made consistent maximum values days_required and days_requested when generating a CRA report across multiple endpoints. The maximum value for days_requested is now 731 and the maximum value for days_required is 184.
  • For Partner Insights, added client_report_id to partner insights response.

For Investments:

  • Improvements and bug fixes to holdings valuations, such as better reflecting the value of unvested shares.

For Payment Initiation:

For Transactions:

  • Added /sandbox/transactions/create endpoint, which can be used to add custom transactions to the user_transactions_dynamic Sandbox test user.
  • Added the user_ewa_user, user_yuppie, and user_small_business Sandbox test users for persona-based testing of realistic Transactions data.
  • Added account_numbers field to counterparty object.

For Transfer:

  • Added wire_return_fee to transfer and transfer event objects.
June 12, 2025
  • Released Plaid Protect, Plaid's new anti-fraud solution.
  • Released Premium Link Analytics, a new Dashboard feature with advanced analytics insights on Link usage and conversion. Premium Link Analytics is available at no extra charge to all customers with Premium Support Packages. To learn more about upgrading to a Premium Support Package, contact your Account Manager.
  • Launched Plaid's AI Toolkit, including the Dashboard MCP Server, Sandbox MCP Server, LLM-friendly documentation, and vibe coding guides. For more details, see the Resources page.
  • Released version 5.1.1 of the Plaid Android Link SDK and version 6.2.1 of the iOS Link SDK. These updates both contain the ability to detect usage of Plaid Link for Flutter, allowing Plaid to better troubleshoot integration issues by distinguishing between Flutter and non-Flutter usage.
June 9, 2025

For Link:

  • Released version 5.1.0 of the Plaid Android Link SDK. Improvements include a bug fix for edge-to-edge layout overlap issue on Android 15+, 20% smaller SDK size, and removal of the org.bouncycastle:bcpkix-jdk15to18 dependency.
  • Began rolling out a new pane added to the end of the Link flows for Assets and Bank Income, prompting end users to enroll in Plaid Passport for faster credit application flows in the future. This pane occurs after the end user has successfully completed Link and therefore has no impact on Link conversion. This pane will be released to all eligible customers by the end of August.

For Plaid Check Consumer Reports:

  • Introduced a rate limit of 100 requests per minute for all Plaid Check endpoints.

For Transfer:

  • Plaid Transfer now supports Instant Payments (pay-ins) via request-for-payment (RfP) on the RTP network.
June 3, 2025
  • Announced the availability of the Plaid Dashboard MCP server. This service allows you to access Dashboard-based services such as Link analytics data, API usage, and the Item debugger via an LLM agent. More tools and the ability to use additional platforms will be added soon.
  • Released Plaid Link iOS SDK 6.2.0. This version features a 33% smaller package size, a showGradientBackground option for customizing Link appearance, and a new onLoad callback from Plaid.create to help detect when Plaid is ready to present.

For Auth:

  • Released Account Verification Analytics, Dashboard-based reports of Auth and Identity Match activity showing usage levels and conversion metrics by Auth method.

For Plaid Check Consumer Reports:

  • For /cra/check_report/base_report/get, deprecated report.items.accounts.account_insights in favor of the attributes field, which aggregates insights across accounts.
  • Announced the availability of a new model version (v4) for their scores that are provided in Partner Insights. Starting on June 2, 2025, customers using Partner Insights can choose to use the latest version when calculating the scores by specifying it in the prism_versions object when calling /cra/check_report/partner_insights/get. If no version is specified, Plaid will default to the current version (v3) available now. Starting in November 2025, customers will be required to specify a prism_version when calling Partner Insights endpoints.

For Transfer:

  • Added automatic Sandbox simulations, allowing you to create test transactions in Sandbox that will automatically move through the transfer lifecycle, without requiring you to manually progress them to the next state.
May 20, 2025

For Enrich:

  • Removed the legacy category_id and category fields for all customers enabled for the Transactions product on or after May 5, 2025. Customers should use the personal_finance_category field instead.

For Transactions:

  • Removed the legacy category_id and category fields for all customers enabled for the Transactions product on or after May 5, 2025. Customers should use the personal_finance_category field instead.
May 14, 2025

For Auth:

  • Announced PNC's new TAN expiration policy. All PNC Items with TANs will require the user to have authorized or re-authorized consent within the past 12 months. If the user has not done so, the TAN will stop working and the Item will enter an ITEM_LOGIN_REQUIRED state. For more details, see PNC TAN expiration.

For Layer:

For Plaid Check Consumer Reports:

  • Updated average_inflow_amount field to be positive.

For Transfer:

  • Announced PNC's new TAN expiration policy. All PNC Items with TANs will require the user to have authorized or re-authorized consent within the past 12 months. If the user has not done so, the TAN will stop working and the Item will enter an ITEM_LOGIN_REQUIRED state. For more details, see PNC TAN expiration.
May 5, 2025
  • Announced new INSTITUTION_RATE_LIMIT error and behavior for when an institution is experiencing excessive API traffic to realtime endpoints. This error will be rolled out to all customers by the end of May 2025.

For Transfer:

  • Added expected_funds_available_date to the Transfer object.
April 24, 2025
  • Released a new migrations page on the Dashboard, showing all institutions with planned or ongoing migrations to OAuth. Drilling in to each institution, you can now view the migration timeline and impact to existing Items.
  • Added support for Austria and Finland. For details of supported institutions and products, see European bank coverage.
  • Added USER_PERMISSION_REVOKED webhook support for American Express.

For Layer:

  • Added the ability to configure Layer sessions in the Dashboard.
  • In /session/token/create, moved the user_id field into the user object.
  • Released React Native SDK 12.1.1, with a new destroy() method to support Layer.

For Link:

  • Released React Native SDK 12.1.1, with a new destroy() method to support Plaid Layer.
  • Released React SDK 4.0.1, with support for React 19.
  • Webview-based integration modes are no longer allowed for new customers. All new customers using mobile webview-based apps should use the Hosted Link integration mode if they can't use Plaid's SDKs. Existing customers using webview integration modes are not currently impacted.
  • Announced a combined phone number and consent pane for the returning user experience, to be rolled out to all customers in May. This change increases conversion by reducing the number of screens the end user has to complete. It does not require any integration work on your part to adopt. Both the CONSENT and SUBMIT_PHONE TRANSITION_VIEW Link analytics events will fire when this screen is reached.

For Plaid Check Consumer Reports:

  • Expanded support for Silent Network Authentication (SNA), a secure, lower friction way to verify a user’s phone number using their mobile network carrier. Once eligible users submit their phone number, they will see a loading pane in Link in lieu of the OTP pane. If SNA cannot verify a user’s phone number, then it will fall back to OTP for verification. SNA is available for Plaid Check Consumer Reports on both iOS and Android and is compatible with T-Mobile, Verizon, and AT&T. SNA will be rolled out to all eligible Consumer Report sessions by the end of May. No work is required on your part to support SNA. SNA is supported on Android SDK versions >=5.6.0 and iOS SDK versions >=4.7.9. To get the latest performance improvements for SNA, it is strongly recommended that all Plaid Check customers using Plaid's mobile SDKs upgrade to iOS SDK >=6.0.1 (or React Native iOS >=12.0.2).
  • Date of birth is now required within the consumer report user identity object for /user/create and /user/update.
  • Added warnings to responses for /cra/check_report/income_insights/get, /cra/check_report/network_insights/get and /cra/check_report/partner_insights/get. warnings is populated when Plaid successfully generated a report, but encountered an error when extracting data from one or more Items.
  • A user's phone number can now be pre-filled in Link using data from the consumer_report_user_identity object if the phone number is not pre-filled via /link/token/create.
  • A new toggle on the last pane of the Link flow enables users to opt-in to a faster way to share their consumer reports in the future.
  • Updated the list of Cash flow updates webhooks (beta).

For Signal:

For Transactions:

  • Updated the response schema for /processor/transactions/sync endpoint to allow null account objects. This change only impacts Transactions processor partners.
March 31, 2025

For Identity Verification:

  • Announced the rollout of Age Estimation and Biometric Deduplication features. On May 1, 2025, Plaid will backfill historical ID document and liveness data and enable these features for all customers using IDV templates with ID document and/or liveness enabled, free of charge. Any Plaid customer who wants to opt out of this functionality should contact their Account Manager.
March 25, 2025
  • Added a "copy link" button to the Team switcher page in the Dashboard, allowing Dashboard users to access a persistent link to their team.

For Assets:

  • To minimize data access, Assets no longer requests the Investments data scope by default. To use the Investments add-on, investments must now be specified in the optional_products array when initializing Link.

For Layer:

For Investments:

  • Added Vanguard access via OAuth. Access to Vanguard is no longer restricted during peak market hours.

For Plaid Check Consumer Reports:

  • Broke up the existing DATA_UNAVAILABLE error into more specific error codes when possible, introducing the new codes INSTITUTION_TRANSACTION_HISTORY_NOT_SUPPORTED, INSUFFICIENT_TRANSACTION_DATA, and DATA_QUALITY_CHECK_FAILED. Also replaced INVALID_FIELD with NETWORK_CONSENT_REQUIRED for the use case where the end user has not given consent to share network data. For details on these new codes, as well as improved documentation of existing codes, see Check Report Errors.
  • Improved the sensitivity of the CHECK_REPORT_FAILED webhook at alerting to partial failures. Previously, certain types of partial Check Report failures would not trigger the webhook.
  • Added successful_products and failed_products arrays to the CHECK_REPORT_READY webhook to provide more granular detail on partial Check Report failures.
  • Plaid can now pre-fill a user’s phone number in Link using information from the consumer_report_user_identity object if the phone number is not pre-filled via /link/token/create. Pre-filling phone numbers can help boost conversion while reducing steps for users. Support for this feature is currently available in Production and will be added in Sandbox in the coming months.
  • Increased the speed of report generation by approximately 25%.
  • By the end of March, to improve security, Plaid will send all end users who complete the Plaid Check Link flow flow a confirmation email, similar to the change to Plaid Link announced in the January 30 changelog entry.

For Signal:

  • Added realtime backtesting support to the Signal Dashboard.
  • Added a view-only permission to the Signal Dashboard.
March 17, 2025
  • Released split billing: For certain products, customers on a single client ID can now split their API usage across cost centers via API headers. To learn more, contact your Plaid Account Manager or see Setting cost centers.
  • SAML is now available as a method of user access management for the Dashboard to customers on Plus or Premium Support packages.

For Link:

  • Released iOS SDK 6.1.0, with improvements to Remember Me Silent Network Authentication.
  • Released React Native SDK 12.0.3, which updates to iOS SDK 6.1.0.

For Auth and Transfer:

  • Announced the impending migration of US Bank to tokenized account numbers (TANs), scheduled to occur May 2025.

For Identity:

  • Added support for API-based detection of pass / fail results from Identity Match sessions when Identity Match rules are configured via the Dashboard via the IDENTITY_MATCH_PASSED and IDENTITY_MATCH_FAILED Link events.

For Layer:

For Plaid Check Consumer Reports:

  • Added support for client_report_id to Income Insights Reports. Moved client_report_id field to the top-level /cra/check_report/create request, rather than being inside the base_report request object, to reflect that the client_report_id is no longer Base Report-specific. Usage of the client_report_id within the base_report object is deprecated.
  • Changed the score field from a float to an integer in the API spec, to reflect that it will always be an integer.

For Statements:

March 1, 2025

For Auth:

  • Added the ability to configure micro-deposit and database verification-based Auth flows via the Dashboard.
  • Marked Database Match and Database Insights (beta) as deprecated in favor of the new Database Auth feature, which provides functionality similar to Database Insights. These features are still available, but customers should plan to migrate to Database Auth when possible.

For Identity:

  • Added the ability to configure Identity Match rules via the Dashboard when using Identity and Auth as the only products.

For Plaid Check Consumer Report:

  • Updated behavior when calling /cra/check_report/create to improve consistency. Previously, no reports would be eagerly generated upon calling this endpoint. Now, the base report will always be eagerly generated, along with products specified in the products array.

  • When calling /link/token/create, it is now possible to include Plaid Check products within the optional_products, required_if_supported_products, or additional_consented_products request fields when Plaid Inc. products are included in the products field, or vice-versa.

  • Identity data is now provided in the Base Report only. Plaid will no longer return identity data in the Income and Partner Insights products, and the fields will be removed from API responses by June 30, 2025.

  • Removed the Cashflow Updates INSIGHTS_UPDATED reason code. Instead, a separate webhook will be fired for each reason.

  • The score field in /cra/check_report/partner_insights/get is now nullable.

For Transfer:

  • Added intent_id to the transfer event object returned by /transfer/event/sync, for transfers created via Transfer UI. This will currently only be populated for RfP transfers.
February 11, 2025

For Link:

  • Released React Native SDK 12.0.3, which contains LinkKit 6.0.4, which fixes an issue where some sessions experienced delays in receiving the LAYER_READY event or did not receive it at all, and fixes an issue with XCFramework.

For Auth:

  • Improved Sandbox behavior to better reflect institutions that use Tokenized Account Numbers (TANs). In Sandbox, Chase and PNC will now return is_tokenized_account_number: true and have populated persistent_account_id fields.

For Plaid Check Consumer Report:

  • consumer_report_user_identity.date_of_birth is now a required field when creating or updating a user token with a consumer_report_identity field.
  • Completed the renaming of several fields. The longest_gap_between_transactions, average_inflow_amount, and average_outflow_amount fields have been removed and replaced with pluralized versions longest_gaps_between_transactions, average_inflow_amounts, and average_outflow_amounts fields to better reflect the fact that they are arrays.

For Signal:

  • Announced a behavior change for Items that were manually linked (e.g. using Same Day Micro-deposits or Database Insights). Beginning February 18, any Item that was manually linked but could not be given a Signal score and attributes by /signal/evaluate will no longer return a PRODUCT_NOT_SUPPORTED error. Instead, the /signal/evaluate call will succeed. This change allows customers to evaluate these Items using Signal Rules that do not require a Signal score and attributes. Billing will only be triggered for the /signal/evaluate call if either a score is returned or a Signal Rule is evaluated.

For Virtual Accounts:

  • Added originating_fund_source to /wallet/transaction/execute request. This field is required by local regulation for certain use cases (e.g. money remittance) to send payouts to recipients in the EU and UK.
February 3, 2025

For Link:

  • Released iOS SDK 6.0.4, which fixes an issue where some sessions experienced delays in receiving the LAYER_READY event or did not receive it at all, and fixes an issue with XCFramework.
January 30, 2025

Notified all customers that they must sign an addendum to their agreement with Plaid to retain PNC data access after February 28th, 2025. If you do not know how to sign this addendum, or are not sure if you have signed it, contact your Plaid Account Manager or Plaid Support.

For Link:

  • Released React Native SDK 12.0.1, which includes iOS SDK 6.0.2 and resolves issues where the SDK was not working with React Native 0.76 or later.
  • Released React Native SDK 12.0.2, which results an issue where the USE_FRAMEWORKS preprocessor check was failing for projects using use_frameworks! :linkage => :static.
  • To improve anti-fraud measures, began more broadly sending email confirmations to end users when they have linked an account to Plaid, allowing them to report unrecognized Link activity. Previously, Plaid would send these notifications only if the session was flagged as elevated risk.

For Payment Initiation (UK/EU):

  • Added the end_to_end_id field to the payment object, providing a unique identifier for tracking and reconciliation purposes.

For Transfer:

  • For /transfer/capabilities/get, added an institution_supported_networks.rfp.debit field to indicate an institution's support for debit request for payment (RfP).
  • Added funds_available sweep status and event type.
January 17, 2025

SSO is now available, at no additional charge, to all customers except those on Pay-as-you-go plans. You can enable SSO via the Dashboard > Team Settings > SSO.

For Link:

  • Released iOS SDK 6.0.1, with enhanced support for Silent Network Authentication in the Remember Me flow.
  • Released iOS SDK 6.0.2, with small improvements to the UI of the Remember Me flow.
  • Improved the UI for failed connection attempts at OAuth institutions to increase conversion. Rather than "Exit," the primary CTA on the Link error screen for this scenario is now a "Try Again" button that will directly re-start the institution's OAuth flow.
  • Added phone number recycling detection to Link. The returning user experience will delete a user's Returning User profile if it detects that the phone number has been reassigned to a different customer since the user's last login, reducing the risk of fraud and account takeover.

For Plaid Check:

For Payment Initiation:

For Signal:

For Transfer:

  • Added Transfer Rules, allowing you to customize the logic used by the Transfer Risk Engine during the /transfer/authorization/create call. You can configure your Transfer Rules via the Dashboard.
  • To better represent errors from a variety of payments rails beyond just ACH, added failure_code and description fields to /transfer/sweep/get and transfer/sweep/list endpoints. Developers should use these instead of of the ach_return_code field.
January 2, 2025

For Link:

  • For institutions such as PNC, Chase, and Charles Schwab that previously invalidated Items when a duplicate Item was added, prevented the old Item from becoming invalidated unless either Item is initialized with a Plaid Check product or the two Items have different sets of accounts associated. This is a delayed announcement of a change made in April 2024.
  • Released React Native SDK 12.0.0. This incorporates iOS SDK 6.0.0 and Android SDK 5.0.0. Major updates include adding support for FinanceKit and AppleCard on iOS, removing the deprecated PlaidLink component and openLink function, and updating a number of Android libraries. For a full list of all changes in this release, see the Release notes.
December 23, 2024

For Link:

  • Released Android SDK 5.0.0, containing numerous library and platform updates, including upgrading Kotlin to 1.9.25, and upgrading the compile version to SDK 35. This SDK version also adds the AUTO_SUBMIT event name and INVALID_UPDATE_USERNAME Item error, removing the PROFILE_ELIGIBILITY_CHECK_ERROR event name. For a full list of all libraries updated in this SDK release, see the Release notes.
December 17, 2024

For Auth:

  • PNC now supports the USER_ACCOUNT_REVOKED and USER_PERMISSION_REVOKED webhooks, allowing you to reduce return risk. Upon receiving either of these webhooks, Auth customers should no longer make ACH transfers using the tokenized account numbers of the associated Items.

For Transactions:

December 13, 2024

For Plaid Check:

  • Began the rollout of Plaid Passport, an update to the Plaid Check bank linking flow. Plaid Passport is an extension of the returning user experience specific to Plaid Check, and will enable conversion efficiencies across all financial institutions, improved Item health, and enhanced user-centric insights. You do not need to take any action to enable Plaid Passport.
December 10, 2024

For Link:

  • Released React Native SDK 11.13.3, fixing a regression introduced in version 11.13.1 that caused build failures for some customers.
  • Completed the rollout of Passkey support for the returning user experience in Link to all eligible sessions. Passkey support increases security and provides a more streamlined experience for returning users. With Passkeys, end users on iOS devices who have previously logged in to a financial account through Link can opt in to using Face ID or Touch ID to authenticate to this account for subsequent Link sessions. To enable Passkey support, ensure you are using the Plaid iOS SDK 4.3.0 or later or the Plaid React Native SDK 10.2.0 or later. You do not need to take any other action to enable Passkey support.
December 4, 2024
  • Added institution_name to the Item object schema. You no longer have to call /institutions/get_by_id to translate the institution data in an Item to human-readable format.
  • For /sandbox/item/fire_webhook, added support for USER_PERMISSION_REVOKED and USER_ACCOUNT_REVOKED webhooks.

For Link:

  • Increased the rollout of Passkey support for the returning user experience in Link. Passkey support increases security and provides a more streamlined experience for returning users. With Passkeys, end users on iOS devices who have previously logged in to a financial account through Link can opt in to using Face ID or Touch ID to authenticate to this account for subsequent Link sessions. Passkey support will be rolled out to all eligible sessions by the end of the year. To enable Passkey support, ensure you are using the Plaid iOS SDK 4.3.0 or later or the Plaid React Native SDK 10.2.0 or later. You do not need to take any other action to enable Passkey support.
  • Added biometric authentication support for Citibank on Android (biometric authentication support for Citibank on iOS was added in June 2024). No SDK update is required.
  • Released Plaid Link for React Native SDK 11.13.2, updating Android Compile Version from 31 to 34.

For Auth:

  • Added is_tokenized_account_number field to /auth/get to indicate whether an account number is tokenized. Tokenized account numbers may require special business logic to avoid ACH returns. For more details, see Tokenized account numbers.
  • Added support for cash management account subtypes, rather than just checking and savings.
  • Added auth_method enum to the Item object schema to indicate which verification method (e.g. Instant Auth, Same-Day Micro-deposits, Database Match...) was used to verify the Item.
  • Added SAME_DAY_MICRODEPOSIT_AUTHORIZED and INSTANT_MICRODEPOSIT_AUTHORIZED transition view names to Link.

For Plaid Check Consumer Reports:

  • Added the /sandbox/cra/cashflow_updates/update endpoint to facilitate testing.
  • Enhanced the model used for estimating gross income from net income, resulting in ~10% greater accuracy.
  • Users with the Team Management permission can now download a copy of their submitted Plaid Check application form from the Dashboard under Settings > Compliance Center > Company Documents.

For Identity Verification:

  • At the start of the Selfie Check flow, added a warning to users if insufficient ambient light is detected, prompting them to fix their lighting conditions before proceeding.

For Investments:

For Transfer:

November 14, 2024
  • Released /consent/events/get to help customers obtain consent logs for auditing purposes.
  • Added consent related-details to the item object in /item/get, including consented_data_scopes, consented_use_cases, and consent_expiration_time, to help customers manage consent records and consent expiration.

For Link:

  • Released Plaid Link for iOS SDK 6.0.0, introducing FinanceKit and support for Apple Card integration.
  • Released Plaid Link for React Native SDK 11.13.1, fixing a compiler error when using the New Architecture with Expo.

For Assets:

  • Added a hard limit of 15,000 transactions per Asset Report, to avoid returning truncated Asset Reports. An Asset Report with more than 15,000 transactions will now trigger the error ASSET_REPORT_GENERATION_FAILED with an error message "asset report is too large to be generated, try again with a shorter date range".
November 7, 2024

For Link:

  • Released Plaid Link for React SDK 3.6.1, fixing an issue that can occur when unmounting the usePlaidLink hook before the underlying script tag is loaded.
  • Customers can now self-enable for Hosted Link without contacting their Account Manager. To enable Hosted Link, provide a hosted_link object in the /link/token/create call. The object can be empty or can include configuration parameters for Hosted Link. This change does not apply to Link Delivery, which still requires Account Manager enablement.
October 29, 2024

For Link:

  • Added support for Vietnamese and Hindi.
  • Added AUTO_SUBMIT_PHONE event to capture scenarios where the user's phone number is supplied in the /link/token/create call and the user has previously enrolled in the returning user experience, allowing Plaid to send an OTP code without prompting.
  • Improved conversion through improved error messaging for incorrect username / password at non-OAuth institutions. Previously, users would be taken to an error pane and required to press the back button to retry their credentials; the new UI provides inline error messages if the user's credentials are incorrect.
  • Fixed bug in which users could enter an error state by clicking a button while the in-progress spinner was active on a different button.
  • Minor improvements to consistency in font weight and styling.

For Consumer Report by Plaid Check:

  • For the endpoint /cra/check_report/base_report/get, added the total_inflow_amount and total_outflow_amount objects, with corresponding objects total_inflow_amount_30d, total_inflow_amount_60d, total_inflow_amount_90d, total_outflow_amount_30d, total_outflow_amount_60d, and total_outflow_amount_90d, to summarize inflows and outflows.
  • For Partner Insights Reports, deprecated the version field (which used type number) and replaced it with the model_version field (which uses type string), to better support the not-strictly-numerical versioning scheme used by Prism.

For Identity Verification:

  • For the response bodies of the endpoints /identity_verification/create, /identity_verification/get, /identity_verification/list, and /identity_verification/retry, added the verify_sms object. This object contains details about SMS verification attempts, with sub-fields such as status, attempt, phone_number, delivery_attempt_count, solve_attempt_count, initially_sent_at, last_sent_at, and redacted_at.
  • Restored the "Integration" button to the Dashboard. It can now be found next to the "Publish Changes" button in the upper right of the Template Editor.

For Payment Initiation:

  • For /payment_initiation/consent/create, added payer_details object. The fields options.bacs and options.iban have been deprecated in favor of payer_details.numbers.bacs and payer_details.numbers.iban; customers are encouraged to migrate to the new fields.

For Signal:

  • Made the scores field nullable in the responses for /signal/evaluate and /processor/signal/evaluate, as a pre-requisite for adding future Signal support to Items where a score cannot be calculated, such as Items added via Database Insights or Same-Day Micro-deposits.
  • Changed Signal billing to behave similarly to Auth and Identity if it is specified in the optional_products array -- customers will not be billed for Signal if it is specified in optional_products until /signal/evaluate is called.
October 28, 2024
  • Fully removed legacy returning user flows (Institution Boosting, Pre-Matched RUX, and Pre-Authenticated RUX) in favor of the new returning user experience.
  • Removed legacy returning user flow errors, INVALID_PRODUCTS and PRODUCT_UNAVAILABLE.
October 15, 2024
  • For the PENDING_DISCONNECT webhook, added INSTITUTION_TOKEN_EXPIRATION as a reason code. This reason will be used if the user's access-consent on an OAuth token is about to expire. This webhook code will only be used for Items associated with institutions in the US and Canada; for Items in the UK and EU, Plaid will continue to send the PENDING_EXPIRATION webhook instead of the PENDING_DISCONNECT webhook in the event of pending OAuth access expiration.

For Plaid Check Consumer Reports:

  • Reverted the change to historical balance data from the October 11 update. Updated the documentation to clarify the behavior and reduce customer confusion.
  • Added attributes object with fields nsf_overdraft_transactions_count, is_primary_account, and primary_account_score to Base Report object, to help identify primary accounts and overdraft transactions.

For Payment Initiation:

  • For the /payment_initiation/consent/* endpoints, deprecated the scopes field in favor of the type field, with possible values SWEEPING or COMMERCIAL. The scopes field will still be honored if used, but customers are encouraged to use the new type field instead, and the scopes field will be removed in the future.
October 11, 2024

For Plaid Check Consumer Reports:

  • For /user/create, added the fields last_4_ssn and date_of_birth to the consumer_report_user_identity object. All user tokens created after January 31, 2025 must have a date_of_birth populated in order to be compatible with Plaid Check Consumer Reports.
  • Changed the behavior of returning historical balances. Previously, Consumer Reports would always return at least 90 days of historical balance information. This caused user confusion in the case of new accounts opened less than 90 days ago, since Consumer Report would report a historical balance on the account for dates when the account did not yet exist. Now, Consumer Reports will only return historical balances up to the date of the oldest transaction found in a given account.
  • Released Cash Flow Updates and Network Insights to beta. For details, see Plaid Check.

For Identity Verification:

Introduced several updates to Identity Verification. These changes are being gradually rolled out to customers. To request to be opted in to these changes early, or to delay receiving these changes, contact your Plaid Account Manager.

  • Introduced Trust Index, a numerical scoring system rating the user on a scale of 1 to 100, with 11 sub-scores on different dimensions (e.g. email, phone, liveness), to help you understand users' relative risk across various dimensions and how different factors contribute to that risk.
  • An overhauled session view that helps you digest a full user's verification without scrolling.

For Income:

  • Fixed an issue in which customers could successfully call /link/token/create for Income without specifying a user_token. The user_token field is required when using Income.
October 9, 2024
  • Began the automatic enrollment of some customers into Data Transparency Messaging (DTM). Throughout Q4, customers serving end users in the US and Canada will be enrolled in DTM automatically if they have not already enrolled.
  • Announced the elimination of public key support, effective January 31, 2025. Beginning in February 2025, it will no longer be possible to launch Link sessions using a public key. This impacts only a small number of customers, as the Plaid public key has been deprecated since the introduction of Link tokens in mid-2020, and no teams created after July 2020 have been issued public keys. All customers who are still using public keys were notified of this change via email in September. For instructions on migration from public keys to Link tokens, see the Link token migration guide.
  • Announced the full removal of legacy returning user flows (Institution Boosting, Pre-Matched RUX, and Pre-Authenticated RUX) in favor of the new returning user experience, to be completed by October 28, 2024.
  • Eligible customers (those with support packages) can enroll in SSO via the Dashboard. If you would like to use SSO and do not have a support package, contact your Plaid account manager.
  • To reduce developer confusion, updated the /link/token/get endpoint to return the various results arrays and objects (item_add_results, payroll_income_results, document_income_results, bank_income_results, cra_item_add_results) as empty arrays (if arrays) or as null (if objects) when not present, rather than being omitted from the schema.

For Link:

  • Improved the user experience for Remember Me verification on eligible Android devices by automatically filling in the OTP code received on the device.

For Auth:

  • PNC now returns Tokenized Account Numbers (TANs) with behavior similar to Chase.

For Balance:

  • Discontinued the Balance Plus beta program. Balance Plus beta will no longer accept new enrollments; customers currently in the beta program have been contacted directly with more details and next steps.

For Plaid Check Consumer Report:

  • Released the Plaid Check Third-Party User Token to beta, allowing customers to partner with select lenders to provide their customers access to credit. If you are interested in this feature, contact sales or your Plaid Account Manager.

  • Integrated Plaid Check Consumer Reports with Layer to enable users to share cash flow insights alongside identity and bank data instantly, dramatically streamlining the loan application process. Users consent to share their consumer report in the final Layer pane. If you are interested in this feature, contact sales or your Plaid Account Manager.

  • Updated the /cra/check_report/base_report/get endpoint transaction history behavior for new customers. If no value is specified for the days_requested field, Plaid will default to requesting 365 days, and if a value under 180 is specified, Plaid will request 180 days. This change increases the quality of transaction history insights, as the more transaction history is requested, the more accurate the insights returned will be. This change impacts only customers obtaining Plaid Consumer Report Production access on or after October 1, 2024; the behavior for existing customers will not change.

  • In the /cra/check_report/base_report/get response warnings array, added a new possible warning code, USER_FRAUD_ALERT, which indicates that the user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud.

  • For the /cra/check_report/partner_insights/get endpoint, added an error_reason to the response to surface Prism error codes.

For Identity:

  • Released Identity Document Upload to beta. Identity Document Upload provides document-based account ownership identity verification for Items that do not support /identity/get or /identity/match, including Items connected via Same-Day Micro-deposits or Database Insights.

For Identity Verification:

  • Redesigned the fraud labeling system UI to allow 1-click fraud reports from the Dashboard.
  • Fixed ordering of Link events callbacks when Hide Verification Outcome is enabled so that IDENTITY_VERIFICATION_CLOSE_UI fires and onSuccess is called after the event corresponding with the outcome of the session has fired.

For Layer:

  • Integrated Plaid Check Consumer Reports with Layer to enable users to share cash flow insights alongside identity and bank data instantly, dramatically streamlining the loan application process. Users consent to share their consumer report in the final Layer pane. If you are interested in this feature, contact sales or your Plaid Account Manager.

For Payment Initiation:

  • For /payment_initiation/consent/payment/execute endpoint, added the optional processing_mode parameter. This allows you to opt in to async payment execution processing, allowing for better performance and throughput when realtime payment processing results are not necessary, such as in user-not-present flows.

For Transfer:

  • Improved /transfer/authorization/create to consider more information about accounts, such as whether the account has previously returned codes R02 (account closed) or R16 (account frozen) when used with Plaid.
September 2024

  • Released Link Recovery to beta. With Link Recovery, your end users can sign up to be automatically notified by Plaid when an institution outage that prevented them from linking an account has been resolved. When the issue is over, Plaid will send users a link that can be used to connect their account to your app.

  • Released Investments Move to Early Availability. Investments Move facilitates ACATS and ATON brokerage transfers by providing user-permissioned data including a user's account number, account information, and detailed holdings information. Investments Move can remove friction for end users in changing brokerages and reduce the frequency of transfer failures caused by data entry errors.

  • Improved retry logic for missed webhooks. If a webhook sent by Plaid is not accepted by the webhook receiver endpoint with a 200 status within 10 seconds of being sent, Plaid will now retry up to six times over a 24-hour period, using an exponential backoff algorithm, rather than the previous behavior of retrying up to twice, a few minutes apart.

  • Added a new PENDING_DISCONNECT Item webhook to alert customers of Items that are about to enter an unhealthy state. Unlike the existing PENDING_EXPIRATION webhook, PENDING_DISCONNECT covers Items that will break due to reasons other than consent expiration, such as a planned sunset by the bank of an old online banking platform, or a required migration to OAuth. Upon receiving a PENDING_DISCONNECT webhook, customers should direct the end user to the update mode flow for the Item.

  • Added the ability to use update mode to reauthorize consent for a US or CA Item whose consent is expiring due to 1033 rules. If the consent expiration date is within 6 months, Plaid will automatically route the Item through the longer reauthorization update mode flow, which will cause the expiration date to be pushed to 12 months from the date that the user reauthorizes the Item. You can customize whether or not the Item goes through the reauthorization update flow by using the update.reauthorization_enabled parameter in /link/token/create. Note that there is no reason to send Items through the reauthorization flow at this time, as Items will not be assigned consent expiration dates until approximately December 2024. This change only impacts Items in the US and Canada; the OAuth update flow for Items in the UK and EU has not changed.

  • To help manage consent status for the upcoming wider Data Transparency Messaging rollout, added consented_use_cases, consented_data_scopes, and created_at fields to the Item object.

  • Removed deposit_switch from the products array, as part of Deposit Switch deprecation.

For Link flow:

  • Shortened and clarified text shown to end user during prompt to verify 2FA code.
  • Added hover animations to UI buttons in Link.

For Plaid Link SDKs:

  • Released iOS SDK 5.6.1, which adds adds haptics support, fixes embedded search view dynamic resizing, and adds missing event names and view names. For details, see the iOS SDK changelog.
  • Released Android SDK 5.6.1, which adds missing event names and view names. For details, see the Android SDK changelog.
  • Released React Native SDK 11.13.0, which incorporates iOS SDK 5.6.1 and Android SDK 4.6.1. For details, see the React Native SDK changelog.

For Assets:

  • Added /asset_report/create request parameter options.require_all_items, with a default value of true. By setting this to false, customers can optionally choose to generate an Asset Report even if one or more Items in the Asset Report encounters an error, as long as at least one Item succeeded. Otherwise, the endpoint will maintain its current behavior of only creating an Asset Report if all Items could be successfully retrieved.

For Consumer Report:

  • Fixed confusing pluralization by renaming longest_gap_between_transactions to use gaps rather than gap as this field is array of gaps rather than a single gap. The old version of this field is deprecated and will be removed at the end of October.
  • Removed the products field from the /cra/check_report/create request, as its usage there is deprecated.

For Identity Verification:

  • Added liveness_check results to /identity_verification/get to improve parity between API and Dashboard data availability.
  • Added name object to the extracted_data within each documentary_verification.documents object in the response of all of the Identity Verification endpoints.
  • Design updates to the Identity Verification Dashboard.

For Investments:

  • Added sector and industry fields to the securities object to help categorize holdings.

For Transfer:

  • Updated /transfer/get to accept either a transfer_id or a transfer_authorization_id.
  • In /transfer/ledger/distribute request, replaced from_client_id and to_client_id with from_ledger_id and to_ledger_id.
August 2024
  • Added Multi-Item Link, which allows end users to link multiple financial accounts in a single Link session.
  • Added the error_code_reason field to the Plaid error object to provide more useful troubleshooting details for ITEM_LOGIN_REQUIRED errors at OAuth institutions. This field is currently in beta and may not be present for all customers.
  • Added the ability to launch update mode with a user token and augmented /link/token/create with an update.item_ids field to optionally specify which Item ID(s) to update when launching Link in update mode with a user token. Launching update mode with a user token is the only supported update mode flow for Consumer Report. For products that use both access tokens and user tokens, like Income, update mode can be launched using either one.

For Plaid Link SDKs:

  • Released an alternative installation repo to reduce download sizes for projects using Swift Package Manager. For details, see the iOS SDK changelog.
  • Released Android SDK 4.6.0, with dependency updates and improved Java compatibility. For more details, see the Android SDK changelog.
  • Released React Native 11.2.1, with enhanced support for React Native New Architecture, and including upgrades to Android SDK 4.6.0 and iOS SDK 5.6.1. For more details, see the React Native SDK changelog.

For Plaid Link:

  • The password input boxes in Link now allow the user to optionally reveal the password before submitting their credentials, in order to help reduce typos in password data entry.

For Beacon (beta):

  • Added data breach reporting.

For Plaid Check Consumer Reports:

  • Added a consumer_disputes field to the response for /cra/check_report/base_report/get, showing the details of any disputes the consumer has submitted about the information in the report.

For Identity Verification:

  • Added is_shareable parameter to /identity_verification/retry to allow configuring different retry behavior for the original session and retry sessions. If set, this parameter will control whether a shareable link is generated for the retry session. If not set, the retry session will use the same shareable link behavior as the original session.

For Income:

For Investments:

  • Added Investments Refresh. Investments Refresh is available as an add-on to Investments and allows you to make a real-time, on-demand update request for fresh Investments data by calling the /investments/refresh endpoint.

For Liabilities:

  • Plaid has discontinued support for federal student loan providers: Aidvantage, Central Research, Inc., EdFinancial Services - Federal Direct Loan Program (FDLP), Mohela and NelNet. Beginning in September, Liabilities subscriptions on Items from these institutions will no longer be billed, and end users will not be able to select these institutions in Link. Private student loan providers are not impacted. Impacted customers have been contacted directly by their Account Managers. For questions, contact your Plaid Account Manager.

For Transfer:

  • Added support for multiple Ledgers. This improves the Plaid Transfer experience for customers who need to avoid co-mingling funds from different types of sources. As part of this change, several Transfer endpoints now have the optional ability to specify a ledger_id in the request and/or will return a ledger_id as part of the response. To request multiple Ledgers, contact your Plaid Account Manager.
  • Improved the flow for authorizations that could not be evaluated due to the ITEM_LOGIN_REQUIRED error by enabling update mode for these authorizations, allowing them to be retried after the Item is fixed. Authorizations that previously would have had an approved decision and a rationale_code of ITEM_LOGIN_REQUIRED will now have the new user_action_required decision instead. If /transfer/authorization/create returns an user_action_required decision, you can now launch Link in update mode by creating a Link token with the authorization_id passed to /link/token/create. After the end user has completed the update mode flow, you can retry the /transfer/authorization/create call.
  • For /transfer/metrics/get, added an authorization_usage response object allowing you to see your credit and debit utilization details.

For Virtual Accounts:

  • Added the related_transactions array to the Wallet transaction object. This field makes it easier to identify associated transactions by showing the transaction ID of related transactions, as well as how they are related. For example, if a transaction is refunded, the original transaction and the refunded transaction will be linked via the related_transactions field.
July 2024
  • Added support for Silent Network Auth (SNA) for the Android returning user experience. SNA is a faster and more secure method to verify an end user's phone number. To use SNA, you must be using at least version 3.14.3 or later of the Android SDK (if using 3.x) or version 4.1.1 or later (if using the 4.x). On React Native, the corresponding minimum versions are 10.12.0 and 11.4.0. Aside from updating your SDK, no action is required to enable SNA.
  • Added support for biometric authentication for Citibank for integrations using the iOS SDK version 5.1.0 or later.
  • Released account holder category (beta), indicating whether an account returned in the account object is a business or personal account. To request access to this feature, contact your account manager.

For Plaid Link SDKs:

  • Released Android SDK 4.6.0, containing bug fixes and compatibility improvements. For details, see the Android SDK changelog.

For Auth:

  • Released AUTH: DEFAULT_UPDATE webhook to GA. This webhook fires if Plaid detects that a bank's Auth information has changed. (While rare, this can occur due to changes such as an acquisition.) To avoid ACH returns, after receiving this webhook, you should call /auth/get or /processor/auth/get to update your information on file for the user.

For Identity:

  • In /identity/match, legal_name.is_business_name_detected is no longer deprecated and can now be used for detecting business names.

For Transfer:

June 2024
  • Launched Plaid Layer to early availability. Layer provides a fast, high-converting onboarding experience powered by Plaid Link.
  • Launched Plaid Check, a subsidiary of Plaid Inc. that is a Consumer Reporting Agency. Through Plaid Check's Consumer Report API, you can retrieve ready-made credit risk insights from consumer-permissioned cash flow data.
  • Decommissioned the Development Environment. Development has been replaced for testing purposes by Limited Production. For more details, see Limited Production.

For Plaid Link SDKs:

  • Released iOS SDK 5.6.0, containing support for Plaid Layer, as well as bug fixes and improvements to the returning user experience.
  • Released iOS SDK 4.7.9, containing bug fixes and improvements to the returning user experience.
  • Released Android SDK 4.5.0, containing support for Plaid Layer, as well as bug fixes.
  • Released React Native 11.11.0, containing support for Plaid Layer, as well as bug fixes and improved prefill support.

For Beacon:

  • Added access_tokens field to /beacon/user/create and /beacon/user/update requests.
  • Added item_ids to /beacon/user/* responses.
  • Added Bank Account Insights to Beacon. Account Risk (beta) is being folded into Beacon

For Balance:

  • Launched Balance Plus (beta). Balance Plus enhances Plaid's Balance product with additional insights and lower latency and is designed to require minimal integration work for existing Balance customers.

For Income:

  • Launched Plaid Check, a subsidiary of Plaid Inc. that is a Consumer Reporting Agency. Through Plaid Check's Consumer Report API, you can retrieve ready-made credit risk insights from consumer-permissioned cash flow data.
  • Added /user/remove to support the deletion of user tokens.

For Liabilities:

  • Added income-sensitive repayment as a student loan repayment type.

For Transactions:

  • As originally announced in the November 2023 changelog, the default number of days of transactions history requested for new transactions-enabled Items is now 90 days for all customers. To change this behavior, use the days_requested parameter in /link/token/create or (if initializing transactions post-Link) /transactions/get or /transactions/sync.
  • Improved behavior of Transactions-enabled Items being fixed via update mode. Now, if an Item was in an error state for over 24 errors before entering update mode, Plaid will immediately extract fresh transactions after update mode has completed, rather than waiting for the next scheduled update time.

For Transfer:

  • Added support for RTP to Transfer UI.
  • Added improved support for Transfer limit increase requests via the Transfer Dashboard.

For Virtual Accounts:

  • Added support for RECALL as a transaction type where the sending bank has requested the return of funds due to a fraud claim, technical error, or other issue associated with the payment.
May 2024
  • Released Limited Production, which will replace Development as a platform for testing for free with live data. The Development environment will be decommissioned on June 20, 2024, and all Development Items will be deleted.
  • Released Data Transparency Messaging to GA. To help ensure compliance with 1033 rulemaking, DTM will be automatically enabled for US and CA Link sessions later this year.
  • Added new pre-seeded Sandbox test accounts for testing different credit profiles. These accounts are especially useful for testing Income, but are available to all customers. For details, see Credit and Income testing credentials.
  • Updated the response object for /link/token/get. To accommodate future multi-Item Link session support for additional products, the on_success object in the response has been deprecated; it is recommended to use the new results object instead. Old: link_sessions[0].on_success.public_token. New: link_sessions[0].results.item_add_results[0].public_token. The on_exit field has also been deprecated; it is recommended to use the new exit field.
  • Updated the SESSION_FINISHED webhook. To accommodate future multi-Item Link session support for additional products, deprecated the public_token field in lieu of a new public_tokens array.

For Plaid Link SDKs:

  • Released iOS SDK 5.5.0 and 4.7.7, containing bug fixes and (for iOS SDK 5.5.0) additional view names to support new functionality.
  • Released iOS SDK 6.0.0 beta, containing support for Apple Card and FinanceKit.
  • Released Android SDK 4.4.1, containing bug fixes and UI improvements.
  • Released React Native SDK 11.10.1, with improved support for "pre-loading" Link for a lower-latency user experience.
  • Released React Native SDK 12.0.0 beta, containing support for Apple Card and FinanceKit.

For Income:

For Signal:

  • Added support for some Items added via Same Day Micro-deposits or Instant Micro-deposits.

For Transfer:

April 2024
  • Updated /link/token/get response to include user_token.
  • Rebranded Remember Me as returning user experience.

For Plaid Link SDKs:

  • Released Android SDK 4.3.1, iOS SDK 4.5.2, and React Native SDK 11.8.2, containing bug fixes and UI enhancements.

For Auth:

  • Released Database Match, which enables instant manual account verification using Plaid's database of known account numbers. When provided as an alternative to Same Day Micro-deposits, Database Match can increase conversion, as the user may be able to verify instantly, without having to return to Plaid to verify their micro-deposit codes.
  • Released Database Insights (beta). Database Insights can be used as a manual alternative to credential-based Auth flows in low-risk use cases. Database Insights verifies account and routing numbers by checking the information provided against Plaid's known account numbers. If no known account number is found, Database Insights checks the information given against usages associated with the given routing number. For more information and to request access to the beta, see the Database Insights (beta) documentation.
  • Added support for the SMS_MICRODEPOSITS_VERIFICATION webhook to /sandbox/item/fire_webhook to support testing the Text Message Verification flow.

For Income:

  • Added the ability to customize test data in the Sandbox environment for use with Document Income, by uploading a special JSON configuration object during the document upload step. For details, see Testing Document Income.

For Payment Initiation:

  • Added supports_payment_consents field to an institution's Payment Initiation metadata object.
  • Added counterparty date of birth and address as optional request fields for /payment_initiation/payment/reverse. Providing these fields increases the likelihood that the recipient's bank will process the transaction successfully.

For Statements:

For Transfer:

  • Updated the possible values for network in recurring transfer contexts to reflect the fact that recurring transfers now support RTP.
  • Added funds_available transfer status and transfer event type.
  • Deprecated the /transfer/balance/get endpoint in favor of the Plaid Ledger.
March 2024

For Plaid Link SDKs:

  • Multiple improvements to the Remember Me experience.
  • Added the ability to "pre-load" Link for a lower-latency user experience.

For Auth:

  • Enabled Text Message Verification flow for Same-Day Micro-deposits by default. This new, non-breaking change can increase conversion of micro-deposit verification by up to 15%. This flow is now enabled for all Same Day Micro-deposit flows by default; to opt-out, use the auth.sms_microdeposits_verification_enabled: false setting when calling /link/token/create.

For Transactions:

  • Multiple improvements to the /transactions/sync endpoint addressing common pain points:
    • /transactions/sync now returns the accounts array, eliminating the need for a separate call to /accounts/get.
    • /transactions/sync now returns a transactions_update_status, reflecting the status of the transaction pulls, which was previously only available via webhook.
    • The list of removed transactions now includes the account_ids they were associated with, to make reconciliation and management easier.
  • Granted all customers self-serve access to the original_description field. To access original transaction descriptions, set options.include_original_description to true when calling /transactions/get or /transactions/sync. It is no longer necessary to request access from your Account Manager.
  • Made account_id optional in the /transactions/recurring/get endpoint.

For Transfer:

  • Added has_more field to /transfer/event/list and /transfer/event/sync to indicate there are more events to be pulled.
  • Updated the possible values for network in recurring transfer contexts to reflect the fact that recurring transfers are only supported via ACH.

For Processor Partners:

February 2024

For Auth:

  • Released the Text Message Verification flow for Same-Day Micro-deposits. This new, non-breaking change can increase conversion of micro-deposit verification by up to 15%. Currently, Text Message Verification is opt-in, and will transition to opt-out in March.

For Identity Verification:

  • Added a large number of additional linked_services enum values.

For Investments:

  • Added vested_quantity and vested_value fields to the holdings object.

For Liabilities:

  • Added the pending idr status for student loans to reflect loans with a pending application for income-driven repayments.

For Transfer:

  • Added fields including wire_details and wire_routing_number, and wire as a supported network, to support wire transfers. If you are interested in using wire transfers with Transfer, contact your Account Manager or (if you are not yet a customer) Sales.
  • Increased maximum length of description field on /transfer/intent/create from 8 to 15.

For Signal:

  • Added warnings array to /signal/evaluate response even if no warnings are present in order to match documented API behavior.
January 2024
  • Expanded the Returning User Link flow to more customers. For more details on the returning user experience, including the associated Link events, see returning user experience.
  • Added events field to /link/token/get to capture Link events.
  • Made the persistent_account_id field available in GA to all customers. The persistent_account_id field is a special field, available only for Chase Items. Because Chase accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify a Chase account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud.
  • Released the USER_ACCOUNT_REVOKED webhook in GA to all customers, to complement the existing USER_PERMISSION_REVOKED webhook, but capturing account-level revocation rather than Item-level revocation. The USER_ACCOUNT_REVOKED webhook is sent only for Chase Items and is primarily intended for payments use cases. The webhook indicates that the TAN associated with the revoked account is no longer valid and cannot be used to create new transfers.

For Auth:

For Assets:

  • Added vested_quantity and vested_value fields to the Investments object within the Asset Report.
  • Added margin_loan_amount field to the Balance object within the Asset Report.

For Enrich:

For Income:

For Identity Verification:

  • Added new no_data type to name and date_of_birth fields in documentary_verification.documents[].analysis.extracted_data in the response of all of the Identity Verification endpoints.
  • Made street and city optional in the address attribute of /identity_verification/create.

For Payment Initiation:

For Transactions:

  • Added a new Sandbox test user, user_transactions_dynamic. When logging into Sandbox with this username, you will see more realistic, dynamic Sandbox transactions data, including a wider variety of transaction types, and transactions moving between pending and posted state.

For Virtual Accounts:

For Partners:

December 2023
  • Announced the upcoming removal of the Development environment. To simplify the development process, Plaid will be replacing the Development environment with the ability to test with real data for free directly in Production. On June 20, 2024, the Plaid Development environment will be decommissioned, and all Development Items will be removed. You may continue to test on the Development environment until this time.
  • Capital One now provides real-time balance data for depository accounts, including checking and savings accounts. It is no longer necessary to include min_last_updated_datetime when making /accounts/balance/get calls for these accounts.

For Investments:

  • Added market_identifier_code to the security object.
  • Added option_contract to the security object, adding additional details contract_type, expiration_date, strike_price, and underlying_security_ticker for better insight into derivatives.
November 2023

For Identity:

  • Released Identity Match and the /identity/match/ endpoint to General Availability.

For Income:

  • Expanded /sandbox/income/fire_webhook to support the INCOME_VERIFICATION_RISK_SIGNALS webhook, adding a new webhook_code parameter to the endpoint.

For Transfer Platform Payments (beta):

  • Added /transfer/ledger/distribute endpoint, as well as a facilitator_fee field to /transfer/create, both of which can be used to collect payments from end customers.
  • Removed support for doc and docx format files in /transfer/diligence/document/upload.

For Transfer:

  • Updated default Sandbox behavior of Ledger. Ledgers in Sandbox will now have a $100 default balance.

For Transactions:

  • Added the days_requested field to /transactions/sync and /transactions/get under the options object, and to /link/token/create under the transactions object to support a behavior change in the Transactions product. For all new customers who created accounts after December 3, 2023 the maximum number of days of historical data requested from transactions endpoints will default to 90 days if the days_requested field is not specified. This change will also be applied to existing customers on June 24, 2024. To change the amount of historical data requested, use the days_requested field when Transactions is first added to your Item.

For Partners:

October 2023

  • Chase has extended the September 30 deadline for migrating away from in-process webviews. The new cutoff date will be in mid-January 2024. All impacted customers should migrate by January 1, 2024 to avoid a negative impact on Link conversion. See the deprecation notice for more details.

  • Added Belgium as a supported country.

For Auth:

  • Added an instant_microdeposits_enabled flag to /link/token/create to allow customers to disable Instant Micro-deposits. By default, Instant Micro-deposits will be enabled for all sessions.

For Income:

  • Released Document Fraud to General Availability.
  • Added /credit/payroll_income/parsing_config/update, allowing users of Document Fraud to update the parsing configuration used for document income.
  • Deprecated the /credit/payroll_income/precheck endpoint.

For Investments:

  • Added the investments.allow_manual_entry parameter in /link/token/create and the corresponding is_investments_fallback_item field to /investments/transactions/get and /investments/holdings/get. Enabling manual entry allows a user to create an investments fallback Item for a non-supported institution by manually entering their holdings in Link.
  • Extended the deadline beyond which Plaid customers will need a CGS license to obtain cusip and isin data. The new deadline is March 2024.

For Transactions:

For Transfer:

  • Added new methods to fund your Plaid Ledger. In addition to the /transfer/ledger/deposit and /transfer/ledger/withdraw endpoints, you can now initiate a funds transfer via the Dashboard, set up a recurring schedule or minimum balance by contacting Support, or fund your ledger via ACH or wire transfer from your bank account.
  • Made Plaid Ledger the default method for funding transfers for all new Transfer customers. Plaid Ledger allows faster funds transfers and is now the easiest way to move money between your bank account and Plaid. Existing customers who want to switch to Plaid Ledger should contact their Plaid Account Manager.
  • Added /sandbox/transfer/refund/simulate to test refunds in the Sandbox environment.
  • Added refund-specific event types. These are existing event types with the prefix refund., e.g. refund.settled.
  • For /transfer/configuration/get, stopped returning max_single_transfer_amount and max_monthly_amount. To maintain compatibility with older client libraries, these fields will still be present in the API, but will be blank strings.
  • For /transfer/metrics/get, stopped returning monthly_transfer_volume. To maintain compatibility with older client libraries, this field will still be present in the API, but will be a blank string.

For Virtual Accounts:

  • Added RETURN as possible Virtual Account wallet transaction type.
September 2023

  • Added the LOGIN_REPAIRED webhook. This webhook will fire when an Item's status transitions from ITEM_LOGIN_REQUIRED to a healthy state, without the user having used the update mode flow in your app.

  • Added Update Mode Product Validations (beta). Update Mode Product Validations (UMPV) allows you to validate that a user going through update mode at an OAuth institution has selected the appropriate authorizations to enable Auth and/or Identity. If they do not select the correct options, they will be prompted to update their selections.

  • Added Optional Products. If a product is specified in the optional_products field when calling /link/token/create, the product will be added to the Item if possible. However, if the product cannot be added to the Item -- for example, because the Item is not supported by the institution, the user did not grant the correct OAuth permissions, or because of an institution connectivity error for that product -- Item creation will still succeed with the other products specified.

  • Added institution_not_supported as a potential Link session exit metadata status.

    For Auth:

  • Added Instant Micro-Deposits, allowing end users to verify their accounts in seconds, using micro-deposits sent over RTP or FedNow rails. Instant Micro-Deposits can be used as a faster alternative to Same-Day Micro-Deposits at supported institutions.

    For Assets:

  • Deprecated report_type field used in /asset_report/create, and replaced it with verification_report_type. This change was made to avoid confusion with the existing report_type field used to by the PRODUCT_READY webhook to distinguish between Fast Asset Reports and Full Asset Reports.

For Signal:

  • Launched the Signal Dashboard to help customers monitor return rates and tune Signal risk score thresholds.

For Transactions:

  • Made Personal Finance Categories returned by default for all users. Personal Finance Categories are Plaid's newest and most accurate way of categorizing transactions, using more intuitive categories that correspond better to personal finance management use cases.

For Transfer:

  • Launched Transfer from beta to Early Availability (EA) status.
  • Added support for FedNow payments, which can be accessed by specifying rtp as the payment network.
  • Added Plaid Ledger. Your Plaid Ledger allows you to maintain a funds balance with Plaid, which can be used to fund payouts over FedNow and RTP rails. You can use APIs to move money in and our of your Ledger.
  • Removed Payment Profiles; access tokens are now the only supported mechanisms for connecting accounts on Transfer.
  • Removed beacon_id, as it was used only to support Guarantee. Guarantee is no longer offered and will be replaced by a more sophisticated set of risk management tools within Transfer.

For Income:

  • Updated API docs to reflect "NOT LISTED" as a potential value for marital_status.

For Statements (beta):

  • Released Statements in beta. Statements allows you to retrieve an exact PDF copy of a customer's statement at supported institutions.
August 2023

For Enrich:

  • Added frequency field to recurring transactions to indicate the recurrence frequency.

For Identity Verification:

For Income:

  • Added a number of new categories for Payroll Income canonical_description field: ALLOWANCE, BEREAVEMENT, HOLIDAY_PAY, JURY_DUTY, LEAVE, LONG_TERM_DISABILITY_PAY, MILITARY_PAY, PER_DIEM, REFERRAL_BONUS, REIMBURSEMENTS, RETENTION_BONUS, RETROACTIVE_PAY, SEVERANCE_PAY, SHIFT_DIFFERENTIAL, SHORT_TERM_DISABILITY_PAY, SICK_PAY, SIGNING_BONUS, and TIPS_INCOME. Also made null a valid value.
  • Added status field to /credit/payroll_income/risk_signals/get to show the status of evaluated documents.
  • Added payroll_income.parsing_config to /link/token/create to expose configuration options for risk signal evaluation.

For Liabilities:

  • Added saving on a valuable education (SAVE) as a student loan repayment plan type.

For Signal:

  • Added the ability to change an initiated status reported via /signal/decision/report. Previously, attempting to change the status of a reported decision that was originally reported as initiated would result in an INVALID_FIELD error; now it is allowed.

For Transfer:

  • Added failure_reason to refund objects to indicate why a Transfer refund failed.

For Virtual Accounts:

July 2023
  • Added /processor/token/webhook/update endpoint to allow customers using processor partners to update the webhook endpoint associated with a processor token.

For Assets:

  • Made asset_report_token optional in /asset_report/get request to support future development of Asset Reports based on other types of tokens.

For Investments:

For Enrich:

  • Added confidence_level to counterparty and personal_finance_category fields.

For Identity Verification:

  • Added date_of_birth and address fields to documentary_verification.documents[].extracted_data in the response of all Identity Verification endpoints.
  • Mark all region and postal_code fields as nullable, to better support countries that do not use these fields.

For Transfer:

  • Added transfer_id and status filters to /transfer/sweep/list request.
  • Added status field to the sweep object.
June 2023

  • Added the required_if_supported_products field to /link/token/create. When using multiple Plaid products, you can use this field to specify products that must be enabled when the user's institution and account type support them, while still allowing users to add Items if the institution or linked account doesn't support these products. If a product in this field cannot be enabled at a compatible institution (for example, because the user failed to grant the required OAuth permissions, generating an ACCESS_NOT_GRANTED error), the Item will not be created, and the user will be prompted to try again in the Link flow.

  • Changed the behavior of the oauth field on the institution object. Previously, oauth would be true only if all Items at an institution used OAuth connections. Now, oauth is true if any Items at an institution use OAuth connections.

  • Changed the behavior of the account_selection_enabled flag in /link/token/create. To improve conversion, at institutions that provide OAuth account selection flows, this flag will be overridden and treated as though it were always true. For other institutions, the flag behavior is unchanged.

For Auth:

  • Added the ability to customize Same-day Microdeposit flows via the new reroute_to_credentials option in /link/token/create. Using this field, you can detect whether a user is attempting to use Same-day Microdeposits to add an institution that is supported via a direct Plaid connection, and optionally either require or recommend that they use a direct connection instead.

For Enrich:

  • Added income_source enum to counterparty_type field.

For Identity Verification:

  • Added the ability to prefill user data when retrying a verification by providing a user object to /identity_verification/retry.
  • Added client_user_id field to /identity_verification/create. It is recommended to use this field instead of user.client_user_id, although both fields are supported.

For Income:

For Signal:

For Transfer:

  • Added the ability to specify a test_clock_id when calling /sandbox/transfer/sweep/simulate or /sandbox/transfer/simulate. If provided, the simulated action will take place at the virtual_time of the given test clock.
  • Made the virtual_time field optional when calling /sandbox/transfer/test_clock/create. If a time is not provided, the current time will be used.
  • Updated the sweep_id format to be either a UUID or an 8-character hexadecimal string.
  • Made next_origination_date nullable in the recurring transfer object.

For Virtual Accounts:

May 2023

For Assets:

For Identity:

For Identity Verification:

  • Added the selfie_check field to the Income Verification object, to report the status of a selfie check.

For Document Income:

For Transfers:

  • Increased the maximum length of the description field in /transfer/create to 15 characters.
  • Added the /transfer/balance/get endpoint.
  • To support prefunded credit processing, added the credit_funds_source field to distinguish between credits based on sweeps, RTP credit balances, and ACH credit balances, and made the funding_account_id field nullable.

For Processor partners:

For Signal:

April 2023

For Income:

For Document Income:

  • Released the /credit/payroll_income/risk_signals/get endpoint. This endpoint can be used as part of the Document Income flow to assess a user-uploaded document for signs of potential fraud or tampering.

For Identity Verification:

  • Documented several fields in the user object of /link/token/create as being officially supported methods of pre-filling user data in Link for the Identity Verification flow, as an alternative to /identity_verification/create. (While this worked in the past, it was not previously an officially supported or documented flow.) As part of this change, un-deprecated the user.date_of_birth field.

For Enrich:

March 2023
  • To maximize conversion, updated Link to use a pop-up window for OAuth authentication rather than redirects on non-webview mobile web flows.
  • Clarified that continue(from:) is no longer required for iOS OAuth integrations using Plaid's iOS and React Native iOS SDKs.
  • Updated error codes for most RATE_LIMIT errors to be specific to the endpoint for which they apply.

For Auth:

  • Changed the Link UI for Instant Match and Automated Micro-deposits flows to increase conversion by reducing the number of screens in the flow and removing unnecessary input fields. No developer action is required as a result of this change.

For Transactions:

For Identity:

  • Added /identity/match (beta) to simplify the process of using Identity for account ownership verification. /identity/match allows you to send user information such as name, address, email, and phone number, and returns a match score indicating how closely that data matches information on file with the financial institution, so that you no longer have to implement similarity matching logic on your own. /identity/match is currently in closed beta; to request access, contact your Account Manager or contact Sales.

For Identity Verification:

For Assets:

  • Released Fast Assets functionality to General Availability (GA). With Fast Assets, you can create a Fast Asset Report with partial information (current balance and identity data) in about half the time as a Full Asset Report, then request the Full Asset Report later. Fast Assets is available free of charge to all Assets customers. For more information, see the Assets API reference.
  • Added the optional days_to_include field to /asset_report/get requests. This field allows you to optionally reduce the number of days displayed in an Asset Report, to improve usability for human reviewers.
  • Added Freddie Mac as an audit copy token partner with auditor_id: freddie_mac.
  • Added credit_category (beta) to transactions data returned by Asset Reports with Insights, describing the category of the transaction. Access to this field is in closed beta; to request access, contact your Account Manager.

For Income:

  • Added support for bank_employment_results data to /credit/sessions/get. Employment functionality is currently in closed beta; for more details, contact your Account Manager.

For Signal:

For Virtual Accounts:

  • Added transaction_id to the Payment Initiation PAYMENT_STATUS_UPDATE webhook. This field will be present only when a payment was initiated using Virtual Accounts.
  • Added payment_id and wallet_id to the WALLET_TRANSACTION_STATUS_UPDATE webhook.
February 2023
  • Added the persistent_account_id field (beta) to the account object. The persistent_account_id field identifies an account across multiple instances of the same Item, for use with Chase Items only, to simplify the management of Chase duplicate Item behavior. Access to this field is currently in closed beta; for more details, contact your Account Manager.

For Assets:

  • Beginning March 31, 2023, Assets will be updated to return investment, instead of brokerage, as the account type for investment accounts. brokerage may still be returned as an account sub-type under the investment account type.

For Income:

  • Added employment value to the products array for /link/token/create. Employment functionality is currently in closed beta; for more details, contact your account manager.

For Identity Verification:

  • Added redacted_at field in Identity Verification response and Documentary Verification Document component.

For Transfer:

For reseller partners:

For Virtual Accounts:

For Payment Initiation:

For Signal:

  • Added signal to the products array. For most current Signal customers, Signal is automatically enabled for all of their Items; over time, Signal will be moving to a model similar to Plaid's other products, in which customers instead initialize an Item with signal by adding signal to the products array when calling /link/token/create.
January 2023
  • Released Plaid React Native SDK 9.0.0 and Plaid iOS SDK 4.1.0. All iOS integrations must upgrade to these SDKs by June 30, 2023 in order to maintain support for Chase OAuth flows on iOS. Any integrations using webviews will also be required to update their webview handlers by June 30, 2023. For more details on required webview updates, see the OAuth Guide.
  • Released improvements to the returning user experience: removing the requirement to provide a verified time for phone numbers and email addresses, making RUX flows available for more products, and adding Institution Boosting, which automatically surfaces institutions a user has previously linked to Plaid in the Link flow. Enabling the returning user experience can increase conversion by 8% or more. For more details, see Returning user experience documentation.

For Auth:

  • Updated Same-Day Micro-deposits to make a single one-cent micro-deposit, which will not be reversed, rather than multiple micro-deposits. This change will reduce costs and decrease the incentive for micro-deposit fraud. No changes are required on the part of developers to support this change. This change will automatically be rolled out to customers over the next several months.

For Transfer:

  • Added expected_settlement_date field to the Transfer object.
  • Added funding_account_id field to clarify which account is used to fund a transfer. This field replaces the older origination_account_id.

For Virtual Accounts:

  • Added status field to Wallet schema.

For Partners:

December 2022

For Auth:

  • Announced upcoming Instant Match automatic enrollment to existing customers who have not yet been enabled for Instant Match by default. Instant Match is a higher-converting experience for Link that expands Auth coverage to more end users. All customers will be enabled for Instant Match by default unless they opt-out by January 19, 2023, which they can do by contacting their Account Manager.

For Assets:

For Income:

  • For /credit/bank_income/get, deprecated amount, iso_currency_code, and unofficial_currency_code at top levels in response in favor of new total_amounts field. This change enables more accurate reporting of income for users with income in multiple different currencies.
  • Added new possible values to rate_of_pay field returned by /credit/payroll_income/get: WEEKLY, BI_WEEKLY, MONTHLY, SEMI_MONTHLY, DAILY, and COMMISSION.
  • Added new pay_basis field to the response of /credit/payroll_income/get.

For Virtual Accounts:

  • Added FUNDS_SWEEP as a possible transaction type.

For Transfer:

For Enrich:

  • Released Enrich to Early Availability. Enrich access is now available by default in Sandbox. For details on requesting access to use Enrich with real data, see the Enrich documentation.
  • Added support for legacy categories, using categories from /categories/get, in addition to the newer personal_finance_category schema.
  • Renamed counterparty type delivery_marketplace to marketplace and added counterparty type payment_terminal.

For the Reseller Partner API:

November 2022
  • Released Signal to general availability. Signal uses machine learning techniques to evaluate a proposed ACH transaction and determine the likelihood that the transaction will be reversed. It also provides fields and insights that you can incorporate into your own data models. By using the Signal API, you can release funds earlier to optimize your user experience while managing the risk of ACH returns.

For Auth:

For Investments:

  • Notified customers that customers must hold a CGS (CUSIP Global Services) license to obtain CUSIP and ISIN data. Beginning in mid-September 2023, customers who do not have a record of this license with Plaid will receive null data in these fields. To maintain access to these fields, contact your Plaid Account Manager or investments-vendors@plaid.com.

For Payment Initiation:

  • Added the ability to initiate partial refunds by specifying an amount when calling /payment_initiation/payment/reverse. As part of this change, added amount_refunded field to /payment_initiation/payment/get and /payment_initiation/payment/list.
  • Added support for local payment schemes for all supported currencies (previously, only EUR and GBP local payment schemes been supported), and added the enum values LOCAL_DEFAULT and LOCAL_INSTANT to represent them. In the UK, the FASTER_PAYMENTS enum value has been replaced by LOCAL_DEFAULT.
  • Removed support for currencies CHF and CZK.

For Virtual Accounts:

For Transfer:

  • Made account_id nullable in the responses for /transfer/authorization/create and /transfer/create.
  • Added deleted_at field to /payment_profile/get response.
  • Added refunds field to the transfer object.
  • Added refund_id to the transfer event object.

For Reseller Partners:

October 2022
  • Added support for additional Link display languages: Danish, German, Estonian, Italian, Latvian, Lithuanian, Norwegian, Polish, Romanian, and Swedish.
  • Added support for additional countries: Denmark, Estonia, Latvia, Lithuania, Poland, Norway, and Sweden.
  • Added support for USER_INPUT_TIMEOUT as a value for force_error in the Sandbox custom user schema.

For Auth:

For Investments:

  • Added non-custodial wallet to account subtypes.
  • Added trade investment transaction subtype as a subtype of transfer investment transaction type

For Income:

  • To improve reliability and developer ease of use, modified the multi-Item Link flow for Bank Income to use the new /credit/sessions/get endpoint rather than relying on Link events.
  • Added Bank Income status USER_REPORTED_NO_INCOME.
  • Added Income support to /sandbox/public_token/create.
  • Deprecated VERIFICATION_STATUS_PENDING_APPROVAL.
  • Established a 128 character limit for the client_user_id field in the /user/create request.
  • Added institution_name and institution_id fields to /credit/payroll_income/get response.

For Virtual Accounts:

  • Added options.start_time and options.end_time to /wallet/transaction/list request.
  • Added last_status_update and payment_id field to wallet transactions.

For Payment Initiation:

  • Added transaction_id field to the payment object.

For Transfer (beta):

  • Added support for RTP networks
  • Added decision rationale code PAYMENT_PROFILE_LOGIN_REQUIRED and the ability to update a Payment Profile via update mode. Also added /sandbox/payment_profile/reset_login to test this new update mode flow in Sandbox.
  • To improve consistency, renamed LOGIN_REQUIRED decision rationale to ITEM_LOGIN_REQUIRED.
  • Deprecated origination_account_id from /transfer/authorization/create endpoint.
  • Added new originator_client_id field to support Third-Party Senders (TPS).

For Wallet Onboard (beta):

  • Released Wallet Onboard to beta.

For Partner Resellers:

September 2022
  • Added the ability to simulate the USER_INPUT_TIMEOUT error in Sandbox.
  • Added the ability to specify account mask when using custom Sandbox users.

For Investments:

  • Added support for crypto wallet investment account subtype non-custodial wallet and crypto trade investment transaction type.
  • Made institution_price_as_of nullable.

For Transfer (beta):

  • Added support for client-side beacons. A beacon is now required when using Guarantee with web checkout flows.
  • Removed the idempotency_key from the /transfer/authorization/create response.
  • Added settled and swept_settled transfer events and event statuses.
  • Added standard_return_window and unauthorized_return_window fields to the Transfer object.

For Payment Initiation:

For Assets:

August 2022

  • Released Identity Verification and Monitor to General Availability (GA).

  • Added issuing_region as a field in the extracted data for Identity Verification documents

  • Extended support for Android Link SDK versions prior to 3.5.0, iOS Link SDK versions prior to 2.2.2, and Link React Native SDK versions prior to 7.1.1. Previously, these SDK versions had been scheduled to be sunset on November 1, 2022. The sunset has been canceled and Plaid will now continue to support these versions past November 2022. We still recommend you use the latest SDK versions.

For Payment Initiation:

  • Added support for virtual accounts.
  • Added support for additional currencies PLN, SEK, DKK, NOK, CHF, and CZK.
  • Added PAYMENT_STATUS_SETTLED payment status.

For Income:

July 2022

For /link/token/create user object:

  • Deprecated the unused fields ssn, date_of_birth, and legal_name.
  • Added the name, address, and id_number parameters to support Identity Verification.

For Payment Initiation:

For Income:

For Transfer:

June 2022

For Auth:

  • Launched Auth Type Select (formerly known in beta as Flexible Auth or Flex Auth) to all customers. Auth Type Select allows you to optionally route end users directly to micro-deposit-based verification, even if they are eligible for Instant Match or Instant Auth.

For Transfer:

  • Made Plaid Guarantee available in beta. Guarantee allows you to guarantee the settlement of an ACH transaction, protecting you against fraud and clawbacks.
  • Added TRANSFER_LIMIT_REACHED to Transfer authorization decision rationale codes.

For Income:

For Payment Initiation (UK and Europe only):

  • Launched payment consents, which can be used to initiate payments on behalf of the user.
May 2022
  • Added Identity Verification and Monitor products in Early Access. Identity Verification checks the identity of users against identity databases and user-submitted ID documents, while Monitor checks user identities against government watchlists.

For Transactions:

For Income:

  • Added employee_type and last_paystub_date to /credit/employment/get response.
  • Removed uploaded, created and APPROVAL_STATUS_APPROVED enum strings, as these are no longer used.
April 2022

  • Added the ability to default Link to highlighting a specific institution when launching Link, via the institution_data request field.

  • Launched Income to general availability. Income allows you to verify the income of end users for purposes of loan underwriting. Various updates were also made to Income interfaces prior to launch; Income beta customers have been contacted by their account managers with details on the differences between the beta API and the released API.

For Transactions:

  • Added /transactions/recurring/get, which provides information about recurring transaction streams that can be used to help your users better manage cash flow, reduce spending, and stay on track with bill payments. This endpoint is not included by default as part of Transactions; to request access to this endpoint and learn more about pricing, contact your Plaid account manager.

For Auth:

  • Added Highnote as a processor partner. For a full list of all Auth processor partners, see Auth Payment Partners.
March 2022
  • Introduced the Institution Select shortcut, which enables you to highlight a matching institution on the Institution Select pane.
  • Added institution_data request field to /link/token/create endpoint, which accepts routing_number.
  • Added match_reason to metadata field for MATCHED_SELECT_INSTITUTION, which indicates whether routing_number or returning_user resulted in a matched institution.
  • Added support for AUTH_UPDATE and DEFAULT_UPDATE webhooks to /sandbox/item/fire_webhook. Also added webhook_type parameter to this endpoint to support different DEFAULT_UPDATE webhooks for Transactions, Liabilities, and Investments.

For Income:

  • New set of API endpoints added and numerous updates made for General Availability release. Existing beta endpoints are still supported but marked as deprecated. For more details, see the Income docs and Income API reference.

For Auth:

  • Added Apex Clearing, Checkout.com, Marqeta, and Solid as processor partners.

For Payment Initiation:

  • Added support for the IT country code.
  • Added support for searching by consent_id to /institutions/search.

For Bank Transfer (beta):

For Transfer (beta):

February 2022
  • For Transactions, released new personal finance categories to provide more intuitive and usable transaction categorization. Personal finance categories can now be accessed by calling /transactions/get with the include_personal_finance_category option enabled.
  • For Income, removed several unused fields and endpoints, including removing income_verification_id from /sandbox/income/fire_webhook and removing the /income/verification/summary/get and /income/verification/paystub/get endpoints.

For Transfer (beta):

  • Deprecated the idempotency_key parameter, as idempotency is now tracked via other identifiers.
  • Made repayment_id a required parameter for /transfer/repayment/return/list.
  • Made guaranteed fields required in Transfer endpoints.
January 2022
  • Added the ability to test the NEW_ACCOUNTS_AVAILABLE webhook via /sandbox/item/fire_webhook.
  • Updated /item/webhook/update to accept empty or null webhook URLs.
  • Updated institutions endpoints to accept null values as input for optional input fields.

For Transfer (beta):

  • Added publicly documented sweep endpoints to provide visibility into the status of Transfer sweeps.
  • Added iso_currency_code throughout the API to future-proof for multi-currency support (currently only USD is supported).
  • Made repayment_id required in /transfer/repayment/return/list endpoint

For Bank Transfer (beta):

  • Removed receiver_pending and receiver_posted from bank transfer event types, and removed receiver details from events.

For Payment Initiation:

For Income:

  • Added DOCUMENT_TYPE_NONE value for document type.
  • Made employer address fields no longer required in /income/verification/precheck.
December 2021
  • For Transfer, updated the schema definitions for /transfer/intent/get and /transfer/intent/create.
  • For Income, deprecated the status VERIFICATION_STATUS_DOCUMENT_REJECTED.
  • For Payment Initiation, added several new statuses, including PAYMENT_STATUS_REJECTED.
November 2021
  • For Payment Initiation, added the new status PAYMENT_STATUS_EXECUTED and renamed emi_account_id to wallet_id.
  • For /asset_report/get, added the fields merchant_name and check_number to the Transactions schema, to match the Transactions schema already being used by the Transactions API.
  • For Income, added the new status VERIFICATION_STATUS_PENDING_APPROVAL.
October 2021

Multiple changes to the Income API:

  • Added the ability to verify submitted paystubs against a user's transaction history by adding the income_verification.access_tokens parameter to /link/token/create and updating /income/verification/paystubs/get to return the income verification status for each paystub.
  • Added a precheck_id field to /income/verification/create and an income_verification.precheck_id field to /link/token/create to fully support use of the /income/verification/precheck endpoint to check whether a given user is supportable by the Income product.
  • Extensive changes to the paystub schema returned by /income/verification/paystubs/get, including adding new fields and deprecating old ones. For details, contact your Plaid Account Manager.
  • Officially deprecated the income_verification_id in favor of the Link token-based income verification flow.
  • Added an item_id field to the income_verification webhook and corresponding /sandbox/income/fire_webhook endpoint.
  • Added employer.url and employer.address fields to the /income/verification/precheck endpoint.
  • Added a doc_id field to /income/verification/taxforms/get.

Other changes:

  • For institutions endpoints, marked the status enum as deprecated in favor of the more detailed breakdown object.
  • Added DE as a supported country to support Payment Initiation use cases.
September 2021
  • Released Account Select v2, including the new NEW_ACCOUNTS_AVAILABLE webhook, for improved end-user sharing controls. All implementations must migrate to Account Select v2 by March 2022.
  • Added the ability to check which types of Auth coverage an institution supports via a new auth_metadata object now available from Institutions endpoints
  • Added the /income/verification/precheck endpoint to check whether a given user is supportable by the Income product.
  • Added initiated_refunds field to /payment_initiation/payment/get and /payment_initiation/payment/list to show refunds associated with payments.
  • Added fields include_personal_finance_category_beta and personal_finance_category_beta to Transactions endpoints as part of a beta for new Transactions categorizations. To request beta access, contact transactions-feedback@plaid.com
  • Removed some fields (direction, custom_tag, iso_currency_code, receiver_details) and receiver event types from Bank Transfer (beta) endpoints and made ach_class a required field.
  • Added support for the currency type Bitcoin SV.
August 2021
July 2021
  • Added new webhook for Deposit Switch.
  • Added optional country_code and options parameters to deposit switch creation endpoints, as well as new values for the state enum in the response.
  • For Deposit Switch, added additional response fields employer_name, employer_id, institution_name, institution_id, and switch_method.
  • Updated the list of ACH partners, including adding Alpaca, Astra, and Moov.
  • For /transactions/get, added the fields include_original_description and original_description in the request and response, respectively.
June 2021
  • Chase now supports real-time payments and same-day ACH for OAuth-based connections.
  • Added new Investment account subtypes life insurance, other annuity, and other insurance.
  • Added new error codes INSTITUTION_NOT_ENABLED_IN_ENVIRONMENT, INSTITUTION_NOT_FOUND, and PRODUCT_NOT_ENABLED. These codes replace more generic errors that could appear when working with OAuth institutions or API-based institution connections.
  • Began rolling out improvements to reduce balance latency.
  • Released a new representation of cryptocurrency, to represent crypto holdings more similarly to investments, rather than foreign currency, in order to match how most popular institutions represent crypto. institution_price will now reflect the USD price of the currency, as reported by the institution, and institution_value will reflect the value of the holding in USD. close_price and close_price_as_of will now be populated. iso_currency_code will be set to USD and unofficial_currency_code will be set to null.
May 2021
  • Improved the UI for Instant Match and enabled it for all "Pay as you go" customers. Customers with a monthly contract who would like to use Instant Match should contact their Plaid Account Manager.
  • Removed the requirement to be enabled by Support in order to request an Asset Report with Insights.
  • For the Payment Initiation product, launched Modular Link, allowing further UI customization.
  • For the Payment Initiation product, added an options object to /payment_initiation/payment/create to support restricting payments originating from specific accounts.
  • For the Liabilities product, added a DEFAULT_UPDATE webhook to indicate changes to liabilities accounts.
  • Made Item Debugger and improved Institution Status available to 100% of developers.
  • Added Link Consent pane customization.
  • Added the ability to use wildcards to specify a subdomain in an OAuth redirect URI.
  • Clarified that the following Link onEvent callbacks are stable: OPEN, EXIT, HANDOFF, SELECT_INSTITUTION, ERROR, but the remaining are informational.
April 2021
  • In order to support the beta generated client libraries, added the ability to provide client_id and secret via headers instead of as request parameters.
  • Added the min_last_updated_datetime parameter to /accounts/balance/get to handle institutions that do not always provide real-time balances, and added the corresponding LAST_UPDATED_DATETIME_OUT_OF_RANGE error.
  • Removed last_statement_balance from the official documentation for /liabilities/get, as it was not ever returned.
  • Fixed the case of submitting an invalid client ID to return an INVALID_API_KEYS error instead of an INTERNAL_SERVER_ERROR, in order to match documented behavior.
March 2021
  • Launched Plaid Income (beta) for verifying income and employment.
  • Added the ability to specify an end_date for standing orders in the Payment Initiation product.
  • Updated list of active processor partners.
  • Added webhook to notify of new Bank Transfers events.
  • Added /sandbox/bank_transfer/fire_webhook endpoint to test Bank Transfers webhooks.
  • Added auth_flow parameter to /link/token/create to support Flexible Auth (beta).
  • Updated the /payment_initiation/recipient/create endpoint to accept address.country_code (preferred) instead of address.country (accepted, but deprecated).
  • Removed the MATCHED_INSTITUTION_SELECT transition view event, after consolidating the returning user institution select view.
  • Added the SELECT_BRAND onEvent callback, after shipping a change that groups institution login portals within the same institution brand.
  • Stopped sending IS_MATCHED_USER and IS_MATCHED_USER_UI because these events are duplicates. You should use MATCHED_CONSENT and MATCHED_SELECT_INSTITUTION to identify when a returning user is recognized and chooses an institution that we pre-matched.
February 2021
  • Added additional payment error codes.
  • Added the UK-only fields authorized_datetime and datetime fields to the transaction object, for more detailed information on when the transaction occurred.
  • Added update_type field to the item object. This field will be used to support upcoming connectivity improvements to accounts with multi-factor authentication.
  • Added optional ssn and date_of_birth fields to the user object in /link/token/create to support upcoming functionality enhancements.
  • Released an OpenAPI file describing the Plaid API.
January 2021
  • Launched Deposit Switch (beta) for transferring direct deposits from one account to another.
  • Improved error handling to treat some invalid input errors that were previously treated as 500 errors as INVALID_INPUT errors instead.
December 2020
  • Made Bank Transfers (beta) available for testing in the Development environment.
  • Added investments_updates to the status object returned by Institutions endpoints.
November 2020
  • Removed some internal-only, pre-beta products from appearing in the /institutions/get_by_id response.
  • Restored the /item/public_token/create and /payment_initiation/payment/token/create endpoints to API version 2020-09-14 to avoid disrupting update mode for end users on older mobile SDKs that do not support Link tokens. These endpoints are still deprecated, and it is recommended you update mobile apps to the latest SDKs as soon as possible.
October 2020
  • Released API version 2020-09-14. See the version changelog for details.
  • Added support for mortgages to /liabilities/get.
  • Released Bank Transfers to closed beta.
  • To improve consistency with other error types, changed the error type for Bank Transfers errors from BANK_TRANSFER to BANK_TRANSFER_ERROR.
  • Added the fields user.phone_number, user_email.address, user.phone_number_verified_time and user.email_address_verified_time to /link/token/create to support the new returning user experience, which allows users a more seamless Link flow.
August 2020
  • Introduced standing orders to Payment Initiation for our UK and Europe customers. If applicable, your users will now be able to make recurring scheduled payments with a single authorization.
  • Expanded access to full Auth coverage to more developers. If you would like to use micro-deposit based verification and don't have access to it, contact your Plaid Account Manager.
  • Updated Link error messages to provide more actionable instructions for end users, making resolution troubleshooting easier.
  • Made account filtering available across all our products, so you can configure the Link flow to guide end users in selecting relevant institutions and accounts.
July 2020

  • Added the ITEM: USER_PERMISSION_REVOKED webhook, which will notify you when a user contacts Plaid directly to delete their data or change their data sharing preferences with your app.

  • Released Link tokens, the new preferred way to use Link, replacing the public key. To learn how to migrate your application to use Link tokens, see the Link token migration guide.

June 2020
  • Added a new merchant_name field to the /transactions/get endpoint for the US and Canada, providing clearer and more consistent merchant names for 95% of existing transactions.
  • Added the PAYMENT_INITIATION:PAYMENT_STATUS_UPDATE webhook, which pushes instant notifications when payment status changes for the UK Payment Initiation product.
  • Added the ability to create payment recipients via sort codes and account numbers, not just IBANs.
May 2020
  • We launched a new open finance platform called Plaid Exchange that enables financial institutions to build a consumer-permissioned data access strategy and strengthen the ability of end users to reliably access their financial data.
April 2020
  • Launched Payment Initiation in the UK, which offers an easy way for users to fund their accounts, make purchases, and pay invoices—all from their favorite apps or websites.
March 2020
  • Added the ability to filter by account_subtype, allowing you to further optimize the Link flow.
  • Added the HOLDINGS: DEFAULT_UPDATE and INVESTMENT_TRANSACTIONS: DEFAULT_UPDATE webhooks, which will fire each time data has successfully refreshed for Holdings and Investments Transactions.
February 2020
January 2020
  • Added store_number, authorized_date, and payment_channel to the /transactions/get response.
  • Added the investment_transactions.subtypes field to provide more granular detail about the tax, performance, and fee impact of investments transactions.
November 2019
  • Added the status.investments.last_successful_update and status.investments.last_failed_update fields to the data returned by /item/get.
  • Launched official support for Link on React Native with a new SDK, bringing unified support to React Native apps.
October 2019
  • Added the status.item_logins.breakdown data to /institutions/get_by_id and the Developer Dashboard.
  • Added the routing_numbers field to the Institutions object. You can also filter institutions via the options.routing_numbers field in each Institutions API endpoint.
September 2019
  • Added support for credit card details to the Liabilities product.
  • Added Canada-specific account subtypes, including RRSP, RESP, and TFSA, to the Investments product.
August 2019
  • Among numerous other improvements to Liabilities, such as expanded data access, added a new loan_type: cancelled to the Liabilities product.
July 2019
  • We launched Liabilities, which enables developers to access a feed of standardized student loan details from the largest U.S. servicers including Navient, Nelnet, FedLoan, Great Lakes, and many more.
June 2019
  • Launched Investments, which allows developers, fintech apps, and financial institutions to create a holistic view of their customers’ investments.
  • Added the status.transactions_updates field, exposing Transactions health to both the /institutions/get endpoint and the Dashboard.
May 2019
March 2019
  • We updated the institutions endpoints so you can now retrieve bank logos, colors, and website URLs to use to customize your in-app experience.
  • We enabled triggering and testing of webhooks on demand via the new /sandbox/item/fire_webhook endpoint.
February 2019
  • We launched new features for Auth, enabling developers to authenticate accounts from any bank or credit union in the U.S. Link automatically guides end-users to the best way to authenticate their account based on the bank they select.
November 2018
  • Added a new Insights feature, which provides cleaned and categorized transaction data in an Asset Report. In addition to transaction categories, lenders will be able to retrieve merchant names and locations for transactions to use in building risk models.
  • Improved the Link experience by informing users about connectivity issues with banks before connecting their account. When banks are experiencing significant issues, users will temporarily be directed to connect their account at a different bank to reduce frustration and drop-off during the onboarding process.
September 2018
  • We added the /asset_report/refresh endpoint, so you can create a new Asset Report with the latest account balances and transactions for a borrower, based on the old report.
August 2018
  • We added account filtering, which gives you the ability to exclude unnecessary accounts from appearing in an Asset Report.
June 2018
  • Added historical account balances to the PDF version of Asset Reports, bringing them closer in line with the core JSON endpoint.
May 2018
April 2018
March 2018
  • Rolled out several Assets features, including webhooks for Asset Report generation and full support for Audit Copy token generation and Fannie Mae’s Day 1 Certainty™ program, while improving existing features like pending transaction support in PDF reports.
February 2018
  • Released Assets as a beta product.