Auth

API reference for Auth endpoints and webhooks

Retrieve bank account information to set up electronic funds transfers, such as ACH payments in the US, EFT payments in Canada, BACS payments in the UK, and IBAN / SIC payments in the EU.

Endpoints
/auth/getFetch account information
/bank_transfer/event/listSearch for updates on micro-deposit verification statuses based on filter criteria
/bank_transfer/event/syncGet updates on micro-deposit verification statuses using a cursor
See also
/processor/token/createCreate a token for using Auth with a processing partner
/sandbox/processor_token/createCreate a token for testing Auth with a processing partner
/processor/stripe/bank_account_token/createCreate a token for using Auth with Stripe as a processing partner
/sandbox/item/set_verification_statusChange a Sandbox Item's micro-deposit verification status
Webhooks
DEFAULT_UPDATEItem has account(s) with updated Auth data
AUTOMATICALLY_VERIFIEDItem has been verified
VERIFICATION_EXPIREDItem verification has failed
BANK_TRANSFERS_EVENTS_UPDATENew micro-deposit verification events available
SMS_MICRODEPOSITS_VERIFICATIONText message verification status has changed

Endpoints

/auth/get

Retrieve auth data

The /auth/get endpoint returns the bank account and bank identification numbers (such as routing numbers, for US accounts) associated with an Item's checking and savings accounts, along with high-level account data and balances when available.
Versioning note: In API version 2017-03-08, the schema of the numbers object returned by this endpoint is substantially different. For details, see Plaid API versioning.

auth/get
Request fields
client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
access_token
requiredstring
The access token associated with the Item data is being requested for.
options
object
An optional object to filter /auth/get results.
account_ids
[string]
A list of account_ids to retrieve for the Item. Note: An error will be returned if a provided account_id is not associated with the Item.
Select group for content switcher
1const request: AuthGetRequest = {
2  access_token: accessToken,
3};
4try {
5  const response = await plaidClient.authGet(request);
6  const accountData = response.data.accounts;
7  const numbers = response.data.numbers;
8} catch (error) {
9  // handle error
10}
auth/get

Response fields and example

accounts
[object]
The accounts for which numbers are being retrieved.
account_id
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new account_id will be assigned to the account.
The account_id can also change if the access_token is deleted and the same credentials that were used to generate that access_token are used to generate a new access_token on a later date. In that case, the new account_id will be different from the old account_id.
If an account with a specific account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.
Like all Plaid identifiers, the account_id is case sensitive.
balances
object
A set of fields describing the balance for an account. Balance information may be cached unless the balance object was returned by /accounts/balance/get.
available
nullablenumber
The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.
For depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.
Note that not all institutions calculate the available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by /accounts/balance/get.
If current is null this field is guaranteed not to be null.

Format: double
current
nullablenumber
The total amount of funds in or owed by the account.
For credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.
For loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest.
For investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.
Note that balance information may be cached unless the value was returned by /accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.
When returned by /accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.

Format: double
limit
nullablenumber
For credit-type accounts, this represents the credit limit.
For depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe.
In North America, this field is typically only available for credit-type accounts.

Format: double
iso_currency_code
nullablestring
The ISO-4217 currency code of the balance. Always null if unofficial_currency_code is non-null.
unofficial_currency_code
nullablestring
The unofficial currency code associated with the balance. Always null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
See the currency code schema for a full listing of supported unofficial_currency_codes.
last_updated_datetime
nullablestring
Timestamp in ISO 8601 format (YYYY-MM-DDTHH:mm:ssZ) indicating the oldest acceptable balance when making a request to /accounts/balance/get.
This field is only used and expected when the institution is ins_128026 (Capital One) and the Item contains one or more accounts with a non-depository account type, in which case a value must be provided or an INVALID_REQUEST error with the code of INVALID_FIELD will be returned. For Capital One depository accounts as well as all other account types on all other institutions, this field is ignored. See account type schema for a full list of account types.
If the balance that is pulled is older than the given timestamp for Items with this field required, an INVALID_REQUEST error with the code of LAST_UPDATED_DATETIME_OUT_OF_RANGE will be returned with the most recent timestamp for the requested account contained in the response.

Format: date-time
mask
nullablestring
The last 2-4 alphanumeric characters of an account's official account number. Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
name
string
The name of the account, either assigned by the user or by the financial institution itself
official_name
nullablestring
The official name of the account as given by the financial institution
type
string
investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.
credit: Credit card
depository: Depository account
loan: Loan account
other: Non-specified account type
See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: investment, credit, depository, loan, brokerage, other
subtype
nullablestring
See the Account type schema for a full listing of account types and corresponding subtypes.

Possible values: 401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuity
verification_status
string
The current verification status of an Auth Item initiated through micro-deposits or database verification. Returned for Auth Items only.
pending_automatic_verification: The Item is pending automatic verification
pending_manual_verification: The Item is pending manual micro-deposit verification. Items remain in this state until the user successfully verifies the micro-deposit.
automatically_verified: The Item has successfully been automatically verified
manually_verified: The Item has successfully been manually verified
verification_expired: Plaid was unable to automatically verify the deposit within 7 calendar days and will no longer attempt to validate the Item. Users may retry by submitting their information again through Link.
verification_failed: The Item failed manual micro-deposit verification because the user exhausted all 3 verification attempts. Users may retry by submitting their information again through Link.
database_matched: The Item has successfully been verified using Plaid's data sources. Only returned for Auth Items created via Database Match.
database_insights_pass: The Item's numbers have been verified using Plaid's data sources and have strong signal for being valid. Only returned for Auth Items created via Database Insights. Note: Database Insights is currently a beta feature, please contact your account manager for more information.
database_insights_pass_with_caution: The Item's numbers have been verified using Plaid's data sources and have some signal for being valid. Only returned for Auth Items created via Database Insights. Note: Database Insights is currently a beta feature, please contact your account manager for more information.
database_insights_fail: The Item's numbers have been verified using Plaid's data sources and have signal for being invalid and/or have no signal for being valid. Only returned for Auth Items created via Database Insights. Note: Database Insights is currently a beta feature, please contact your account manager for more information.

Possible values: automatically_verified, pending_automatic_verification, pending_manual_verification, manually_verified, verification_expired, verification_failed, database_matched, database_insights_pass, database_insights_pass_with_caution, database_insights_fail
verification_insights
object
Insights from performing database verification for the account. Only returned for Auth Items created via Database Insights.
network_status
object
Status information about the account and routing number in the Plaid network.
has_numbers_match
boolean
Indicates whether we found at least one matching account for the ACH account and routing number.
is_numbers_match_verified
boolean
Indicates if at least one matching account for the ACH account and routing number is already verified.
previous_returns
object
Information about known ACH returns for the account and routing number.
has_previous_administrative_return
boolean
Indicates whether Plaid's data sources include a known administrative ACH return for account and routing number.
account_number_format
string
Indicator of account number format validity for institution.
valid: indicates that the account number has a correct format for the institution.
invalid: indicates that the account number has an incorrect format for the institution.
unknown: indicates that there was not enough information to determine whether the format is correct for the institution.

Possible values: valid, invalid, unknown
persistent_account_id
string
A unique and persistent identifier for accounts that can be used to trace multiple instances of the same account across different Items for depository accounts. This field is currently supported only for Items at institutions that use Tokenized Account Numbers (i.e., Chase and PNC). Because these accounts have a different account number each time they are linked, this field may be used instead of the account number to uniquely identify an account across multiple Items for payments use cases, helping to reduce duplicate Items or attempted fraud. In Sandbox, this field may be populated for any account; in Production, it will only be populated for accounts at applicable institutions.
holder_category
nullablestring
Indicates the account's categorization as either a personal or a business account. This field is currently in beta; to request access, contact your account manager.

Possible values: business, personal, unrecognized
numbers
object
An object containing identifying numbers used for making electronic transfers to and from the accounts. The identifying number type (ACH, EFT, IBAN, or BACS) used will depend on the country of the account. An account may have more than one number type. If a particular identifying number type is not used by any accounts for which data has been requested, the array for that type will be empty.
ach
[object]
An array of ACH numbers identifying accounts.
account_id
string
The Plaid account ID associated with the account numbers
account
string
The ACH account number for the account.
At certain institutions, including Chase and PNC, you will receive "tokenized" routing and account numbers, which are not the user's actual account and routing numbers. For important details on how this may impact your integration and on how to avoid fraud, user confusion, and ACH returns, see Tokenized account numbers.
routing
string
The ACH routing number for the account. This may be a tokenized routing number. For more information, see Tokenized account numbers.
wire_routing
nullablestring
The wire transfer routing number for the account, if available
eft
[object]
An array of EFT numbers identifying accounts.
account_id
string
The Plaid account ID associated with the account numbers
account
string
The EFT account number for the account
institution
string
The EFT institution number for the account
branch
string
The EFT branch number for the account
international
[object]
An array of IBAN numbers identifying accounts.
account_id
string
The Plaid account ID associated with the account numbers
iban
string
The International Bank Account Number (IBAN) for the account
bic
string
The Bank Identifier Code (BIC) for the account
bacs
[object]
An array of BACS numbers identifying accounts.
account_id
string
The Plaid account ID associated with the account numbers
account
string
The BACS account number for the account
sort_code
string
The BACS sort code for the account
item
object
Metadata about the Item.
item_id
string
The Plaid Item ID. The item_id is always unique; linking the same account at the same institution twice will result in two Items with different item_id values. Like all Plaid identifiers, the item_id is case-sensitive.
institution_id
nullablestring
The Plaid Institution ID associated with the Item. Field is null for Items created via Same Day Micro-deposits.
webhook
nullablestring
The URL registered to receive webhooks for the Item.
error
nullableobject
Errors are identified by error_code and categorized by error_type. Use these in preference to HTTP status codes to identify and handle specific errors. HTTP status codes are set and provide the broadest categorization of errors: 4xx codes are for developer- or user-related errors, and 5xx codes are for Plaid-related errors, and the status will be 2xx in non-error cases. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.
error_type
string
A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR
error_code
string
The particular error code. Safe for programmatic use.
error_code_reason
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use.
Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.
OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.
OAUTH_REVOKED_TOKEN: The user’s OAuth connection to this institution is invalid because the user revoked their connection.
error_message
string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_message
nullablestring
A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.
request_id
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causes
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will only be provided for the error_type ASSET_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.
status
nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_url
string
The URL of a Plaid documentation page with more information about the error
suggested_action
nullablestring
Suggested steps for resolving the error
available_products
[string]
A list of products available for the Item that have not yet been accessed. The contents of this array will be mutually exclusive with billed_products.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, payment_initiation, identity_verification, transactions, credit_details, income, income_verification, standing_orders, transfer, employment, recurring_transactions, signal, statements, processor_payments, processor_identity, profile, cra_base_report, cra_income_insights, cra_partner_insights, cra_network_insights, cra_cashflow_insights, layer, pay_by_bank
billed_products
[string]
A list of products that have been billed for the Item. The contents of this array will be mutually exclusive with available_products. Note - billed_products is populated in all environments but only requests in Production are billed. Also note that products that are billed on a pay-per-call basis rather than a pay-per-Item basis, such as balance, will not appear here.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, payment_initiation, identity_verification, transactions, credit_details, income, income_verification, standing_orders, transfer, employment, recurring_transactions, signal, statements, processor_payments, processor_identity, profile, cra_base_report, cra_income_insights, cra_partner_insights, cra_network_insights, cra_cashflow_insights, layer, pay_by_bank
products
[string]
A list of products added to the Item. In almost all cases, this will be the same as the billed_products field. For some products, it is possible for the product to be added to an Item but not yet billed (e.g. Assets, before /asset_report/create has been called, or Auth or Identity when added as Optional Products but before their endpoints have been called), in which case the product may appear in products but not in billed_products.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, payment_initiation, identity_verification, transactions, credit_details, income, income_verification, standing_orders, transfer, employment, recurring_transactions, signal, statements, processor_payments, processor_identity, profile, cra_base_report, cra_income_insights, cra_partner_insights, cra_network_insights, cra_cashflow_insights, layer, pay_by_bank
consented_products
[string]
A list of products that the user has consented to for the Item via Data Transparency Messaging. This will consist of all products where both of the following are true: the user has consented to the required data scopes for that product and you have Production access for that product.

Possible values: assets, auth, balance, balance_plus, beacon, identity, identity_match, investments, investments_auth, liabilities, transactions, income, income_verification, transfer, employment, recurring_transactions, signal, statements, processor_payments, processor_identity, cra_base_report, cra_income_insights, cra_partner_insights, cra_cashflow_insights, layer
consent_expiration_time
nullablestring
The date and time at which the Item's access consent will expire, in ISO 8601 format

Format: date-time
update_type
string
Indicates whether an Item requires user interaction to be updated, which can be the case for Items with some forms of two-factor authentication.
background - Item can be updated in the background
user_present_required - Item requires user interaction to be updated

Possible values: background, user_present_required
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "accounts": [
3    {
4      "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
5      "balances": {
6        "available": 100,
7        "current": 110,
8        "limit": null,
9        "iso_currency_code": "USD",
10        "unofficial_currency_code": null
11      },
12      "mask": "9606",
13      "name": "Plaid Checking",
14      "official_name": "Plaid Gold Checking",
15      "subtype": "checking",
16      "type": "depository"
17    }
18  ],
19  "numbers": {
20    "ach": [
21      {
22        "account": "9900009606",
23        "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
24        "routing": "011401533",
25        "wire_routing": "021000021"
26      }
27    ],
28    "eft": [
29      {
30        "account": "111122223333",
31        "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
32        "institution": "021",
33        "branch": "01140"
34      }
35    ],
36    "international": [
37      {
38        "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
39        "bic": "NWBKGB21",
40        "iban": "GB29NWBK60161331926819"
41      }
42    ],
43    "bacs": [
44      {
45        "account": "31926819",
46        "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
47        "sort_code": "601613"
48      }
49    ]
50  },
51  "item": {
52    "available_products": [
53      "balance",
54      "identity",
55      "payment_initiation",
56      "transactions"
57    ],
58    "billed_products": [
59      "assets",
60      "auth"
61    ],
62    "consent_expiration_time": null,
63    "error": null,
64    "institution_id": "ins_117650",
65    "item_id": "DWVAAPWq4RHGlEaNyGKRTAnPLaEmo8Cvq7na6",
66    "update_type": "background",
67    "webhook": "https://www.genericwebhookurl.com/webhook"
68  },
69  "request_id": "m8MDnv9okwxFNBV"
70}

/bank_transfer/event/list

List bank transfer events

Use the /bank_transfer/event/list endpoint to get a list of Plaid-initiated ACH or bank transfer events based on specified filter criteria. When using Auth with micro-deposit verification enabled, this endpoint can be used to fetch status updates on ACH micro-deposits. For more details, see micro-deposit events.

bank_transfer/event/list
Request fields
client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
start_date
string
The start datetime of bank transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
end_date
string
The end datetime of bank transfers to list. This should be in RFC 3339 format (i.e. 2019-12-06T22:35:49Z)

Format: date-time
bank_transfer_id
string
Plaid’s unique identifier for a bank transfer.
account_id
string
The account ID to get events for all transactions to/from an account.
bank_transfer_type
string
The type of bank transfer. This will be either debit or credit. A debit indicates a transfer of money into your origination account; a credit indicates a transfer of money out of your origination account.

Possible values: debit, credit, null
event_types
[string]
Filter events by event type.

Possible values: pending, cancelled, failed, posted, reversed
count
integer
The maximum number of bank transfer events to return. If the number of events matching the above parameters is greater than count, the most recent events will be returned.

Default: 25
Maximum: 25
Minimum: 1
offset
integer
The offset into the list of bank transfer events. When count=25 and offset=0, the first 25 events will be returned. When count=25 and offset=25, the next 25 bank transfer events will be returned.

Default: 0
Minimum: 0
origination_account_id
string
The origination account ID to get events for transfers from a specific origination account.
direction
string
Indicates the direction of the transfer: outbound: for API-initiated transfers inbound: for payments received by the FBO account.

Possible values: inbound, outbound, null
Select group for content switcher
1const request: BankTransferEventListRequest = {
2  start_date: start_date,
3  end_date: end_date,
4  bank_transfer_id: bank_transfer_id,
5  account_id: account_id,
6  bank_transfer_type: bank_transfer_type,
7  event_types: event_types,
8  count: count,
9  offset: offset,
10  origination_account_id: origination_account_id,
11  direction: direction,
12};
13try {
14  const response = await plaidClient.bankTransferEventList(request);
15  const events = response.data.bank_transfer_events;
16  for (const event of events) {
17    // iterate through events
18  }
19} catch (error) {
20  // handle error
21}
bank_transfer/event/list

Response fields and example

bank_transfer_events
[object]
event_id
integer
Plaid’s unique identifier for this event. IDs are sequential unsigned 64-bit integers.

Minimum: 0
timestamp
string
The datetime when this event occurred. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
event_type
string
The type of event that this bank transfer represents.
pending: A new transfer was created; it is in the pending state.
cancelled: The transfer was cancelled by the client.
failed: The transfer failed, no funds were moved.
posted: The transfer has been successfully submitted to the payment network.
reversed: A posted transfer was reversed.

Possible values: pending, cancelled, failed, posted, reversed
account_id
string
The account ID associated with the bank transfer.
bank_transfer_id
string
Plaid’s unique identifier for a bank transfer.
origination_account_id
nullablestring
The ID of the origination account that this balance belongs to.
bank_transfer_type
string
The type of bank transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
bank_transfer_amount
string
The bank transfer amount.
bank_transfer_iso_currency_code
string
The currency of the bank transfer amount.
failure_reason
nullableobject
The failure reason if the type of this transfer is "failed" or "reversed". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is reversed. For a full listing of ACH return codes, see Bank Transfers errors.
description
string
A human-readable description of the reason for the failure or reversal.
direction
nullablestring
Indicates the direction of the transfer: outbound for API-initiated transfers, or inbound for payments received by the FBO account.

Possible values: outbound, inbound, null
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "bank_transfer_events": [
3    {
4      "account_id": "6qL6lWoQkAfNE3mB8Kk5tAnvpX81qefrvvl7B",
5      "bank_transfer_amount": "12.34",
6      "bank_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
7      "bank_transfer_iso_currency_code": "USD",
8      "bank_transfer_type": "credit",
9      "direction": "outbound",
10      "event_id": 1,
11      "event_type": "pending",
12      "failure_reason": null,
13      "origination_account_id": "",
14      "timestamp": "2020-08-06T17:27:15Z"
15    }
16  ],
17  "request_id": "mdqfuVxeoza6mhu"
18}

/bank_transfer/event/sync

Sync bank transfer events

/bank_transfer/event/sync allows you to request up to the next 25 Plaid-initiated bank transfer events that happened after a specific event_id. When using Auth with micro-deposit verification enabled, this endpoint can be used to fetch status updates on ACH micro-deposits. For more details, see micro-deposit events.

bank_transfer/event/sync
Request fields
client_id
string
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
string
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
after_id
requiredinteger
The latest (largest) event_id fetched via the sync endpoint, or 0 initially.

Minimum: 0
count
integer
The maximum number of bank transfer events to return.

Default: 25
Minimum: 1
Maximum: 25
Select group for content switcher
1const request: BankTransferEventListRequest = {
2  after_id: afterID,
3  count: 25,
4};
5try {
6  const response = await plaidClient.bankTransferEventSync(request);
7  const events = response.data.bank_transfer_events;
8  for (const event of events) {
9    // iterate through events
10  }
11} catch (error) {
12  // handle error
13}
bank_transfer/event/sync

Response fields and example

bank_transfer_events
[object]
event_id
integer
Plaid’s unique identifier for this event. IDs are sequential unsigned 64-bit integers.

Minimum: 0
timestamp
string
The datetime when this event occurred. This will be of the form 2006-01-02T15:04:05Z.

Format: date-time
event_type
string
The type of event that this bank transfer represents.
pending: A new transfer was created; it is in the pending state.
cancelled: The transfer was cancelled by the client.
failed: The transfer failed, no funds were moved.
posted: The transfer has been successfully submitted to the payment network.
reversed: A posted transfer was reversed.

Possible values: pending, cancelled, failed, posted, reversed
account_id
string
The account ID associated with the bank transfer.
bank_transfer_id
string
Plaid’s unique identifier for a bank transfer.
origination_account_id
nullablestring
The ID of the origination account that this balance belongs to.
bank_transfer_type
string
The type of bank transfer. This will be either debit or credit. A debit indicates a transfer of money into the origination account; a credit indicates a transfer of money out of the origination account.

Possible values: debit, credit
bank_transfer_amount
string
The bank transfer amount.
bank_transfer_iso_currency_code
string
The currency of the bank transfer amount.
failure_reason
nullableobject
The failure reason if the type of this transfer is "failed" or "reversed". Null value otherwise.
ach_return_code
nullablestring
The ACH return code, e.g. R01. A return code will be provided if and only if the transfer status is reversed. For a full listing of ACH return codes, see Bank Transfers errors.
description
string
A human-readable description of the reason for the failure or reversal.
direction
nullablestring
Indicates the direction of the transfer: outbound for API-initiated transfers, or inbound for payments received by the FBO account.

Possible values: outbound, inbound, null
request_id
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{
2  "bank_transfer_events": [
3    {
4      "account_id": "6qL6lWoQkAfNE3mB8Kk5tAnvpX81qefrvvl7B",
5      "bank_transfer_amount": "12.34",
6      "bank_transfer_id": "460cbe92-2dcc-8eae-5ad6-b37d0ec90fd9",
7      "bank_transfer_iso_currency_code": "USD",
8      "bank_transfer_type": "credit",
9      "direction": "outbound",
10      "event_id": 1,
11      "event_type": "pending",
12      "failure_reason": null,
13      "origination_account_id": "",
14      "timestamp": "2020-08-06T17:27:15Z"
15    }
16  ],
17  "request_id": "mdqfuVxeoza6mhu"
18}

Webhooks

Updates are sent for Items that are linked using micro-deposits (excluding Instant Micro-deposits).

When an automated micro-deposit is created, Plaid sends a webhook upon successful verification. If verification does not succeed after seven days for an automated micro-deposit, Plaid sends a VERIFICATION_EXPIRED webhook. If you attempt to retrieve an automated micro-deposit Item before verification succeeds, you’ll receive a response with the HTTP status code 400 and a Plaid error code of PRODUCT_NOT_READY. For Same-Day micro-deposits, Plaid does not send AUTOMATICALLY_VERIFIED or VERIFICATION_EXPIRED webhooks, but you may instead use the BANK_TRANSFERS_EVENTS_UPDATE webhook to access the underlying ACH events of micro-deposits.

Plaid will trigger a DEFAULT_UPDATE webhook for Items that undergo a change in Auth data. This is generally caused by data partners notifying Plaid of a change in their account numbering system or to their routing numbers. To avoid returned transactions, customers that receive a DEFAULT_UPDATE webhook with the account_ids_with_updated_auth object populated should immediately discontinue all usages of existing Auth data for those accounts and call /auth/get or /processor/auth/get to obtain updated account and routing numbers.

DEFAULT_UPDATE

Plaid will trigger a DEFAULT_UPDATE webhook for Items that undergo a change in Auth data. This is generally caused by data partners notifying Plaid of a change in their account numbering system or to their routing numbers. To avoid returned transactions, customers that receive a DEFAULT_UPDATE webhook with the account_ids_with_updated_auth object populated should immediately discontinue all usages of existing Auth data for those accounts and call /auth/get or /processor/auth/get to obtain updated account and routing numbers.

webhook_type
string
AUTH
webhook_code
string
DEFAULT_UPDATE
item_id
string
The item_id of the Item associated with this webhook, warning, or error
account_ids_with_new_auth
[string]
An array of account_id's for accounts that contain new auth.
account_ids_with_updated_auth
object
An object with keys of account_id's that are mapped to their respective auth attributes that changed. ACCOUNT_NUMBER and ROUTING_NUMBER are the two potential values that can be flagged as updated.
Example: { "XMBvvyMGQ1UoLbKByoMqH3nXMj84ALSdE5B58": ["ACCOUNT_NUMBER"] }
error
object
Errors are identified by error_code and categorized by error_type. Use these in preference to HTTP status codes to identify and handle specific errors. HTTP status codes are set and provide the broadest categorization of errors: 4xx codes are for developer- or user-related errors, and 5xx codes are for Plaid-related errors, and the status will be 2xx in non-error cases. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.
error_type
string
A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR
error_code
string
The particular error code. Safe for programmatic use.
error_code_reason
string
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use.
Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.
OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.
OAUTH_REVOKED_TOKEN: The user’s OAuth connection to this institution is invalid because the user revoked their connection.
error_message
string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_message
string
A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.
request_id
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causes
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will only be provided for the error_type ASSET_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.
status
integer
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_url
string
The URL of a Plaid documentation page with more information about the error
suggested_action
string
Suggested steps for resolving the error
environment
string
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "AUTH",
3  "webhook_code": "DEFAULT_UPDATE",
4  "item_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",
5  "account_ids_with_updated_auth": {
6    "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp": [
7      "ACCOUNT_NUMBER"
8    ]
9  },
10  "error": null,
11  "environment": "production"
12}

AUTOMATICALLY_VERIFIED

Fired when an Item is verified via automated micro-deposits. We recommend communicating to your users when this event is received to notify them that their account is verified and ready for use.

webhook_type
string
AUTH
webhook_code
string
AUTOMATICALLY_VERIFIED
account_id
string
The account_id of the account associated with the webhook
item_id
string
The item_id of the Item associated with this webhook, warning, or error
environment
string
The Plaid environment the webhook was sent from

Possible values: sandbox, production
error
object
Errors are identified by error_code and categorized by error_type. Use these in preference to HTTP status codes to identify and handle specific errors. HTTP status codes are set and provide the broadest categorization of errors: 4xx codes are for developer- or user-related errors, and 5xx codes are for Plaid-related errors, and the status will be 2xx in non-error cases. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.
error_type
string
A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR
error_code
string
The particular error code. Safe for programmatic use.
error_code_reason
string
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use.
Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.
OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.
OAUTH_REVOKED_TOKEN: The user’s OAuth connection to this institution is invalid because the user revoked their connection.
error_message
string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_message
string
A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.
request_id
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causes
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will only be provided for the error_type ASSET_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.
status
integer
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_url
string
The URL of a Plaid documentation page with more information about the error
suggested_action
string
Suggested steps for resolving the error
1{
2  "webhook_type": "AUTH",
3  "webhook_code": "AUTOMATICALLY_VERIFIED",
4  "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
5  "account_id": "dVzbVMLjrxTnLjX4G66XUp5GLklm4oiZy88yK",
6  "environment": "production",
7  "error": null
8}

VERIFICATION_EXPIRED

Fired when an Item was not verified via automated micro-deposits after seven days since the automated micro-deposit was made.

webhook_type
string
AUTH
webhook_code
string
VERIFICATION_EXPIRED
item_id
string
The item_id of the Item associated with this webhook, warning, or error
account_id
string
The account_id of the account associated with the webhook
environment
string
The Plaid environment the webhook was sent from

Possible values: sandbox, production
error
object
Errors are identified by error_code and categorized by error_type. Use these in preference to HTTP status codes to identify and handle specific errors. HTTP status codes are set and provide the broadest categorization of errors: 4xx codes are for developer- or user-related errors, and 5xx codes are for Plaid-related errors, and the status will be 2xx in non-error cases. An Item with a non-null error object will only be part of an API response when calling /item/get to view Item status. Otherwise, error fields will be null if no error has occurred; if an error has occurred, an error code will be returned instead.
error_type
string
A broad categorization of the error. Safe for programmatic use.

Possible values: INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR
error_code
string
The particular error code. Safe for programmatic use.
error_code_reason
string
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors; null will be returned otherwise. Safe for programmatic use.
Possible values: OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.
OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.
OAUTH_REVOKED_TOKEN: The user’s OAuth connection to this institution is invalid because the user revoked their connection.
error_message
string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_message
string
A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.
request_id
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causes
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request, causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.
causes will only be provided for the error_type ASSET_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.
status
integer
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_url
string
The URL of a Plaid documentation page with more information about the error
suggested_action
string
Suggested steps for resolving the error
1{
2  "webhook_type": "AUTH",
3  "webhook_code": "VERIFICATION_EXPIRED",
4  "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
5  "account_id": "BxBXxLj1m4HMXBm9WZZmCWVbPjX16EHwv99vp",
6  "environment": "production",
7  "error": null
8}

BANK_TRANSFERS_EVENTS_UPDATE

Fired when new ACH events are available. To begin receiving this webhook, you must first register your webhook listener endpoint via the webhooks page in the Dashboard. The BANK_TRANSFERS_EVENTS_UPDATE webhook can be used to track the progress of ACH transfers used in micro-deposit verification. Receiving this webhook indicates you should fetch the new events from /bank_transfer/event/sync. Note that Transfer customers should use Transfer webhooks instead of using BANK_TRANSFERS_EVENTS_UPDATE; see micro-deposit events documentation for more details.

webhook_type
string
BANK_TRANSFERS
webhook_code
string
BANK_TRANSFERS_EVENTS_UPDATE
environment
string
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "BANK_TRANSFERS",
3  "webhook_code": "BANK_TRANSFERS_EVENTS_UPDATE",
4  "environment": "production"
5}

SMS_MICRODEPOSITS_VERIFICATION

Contains the state of a SMS same-day microdeposits verification session.

webhook_type
string
AUTH
webhook_code
string
SMS_MICRODEPOSITS_VERIFICATION
status
string
The final status of the same-day microdeposits verification. Will always be MANUALLY_VERIFIED or VERIFICATION_FAILED.
item_id
string
The item_id of the Item associated with this webhook, warning, or error
account_id
string
The external account ID of the affected account
environment
string
The Plaid environment the webhook was sent from

Possible values: sandbox, production
1{
2  "webhook_type": "AUTH",
3  "webhook_code": "SMS_MICRODEPOSITS_VERIFICATION",
4  "status": "MANUALLY_VERIFIED",
5  "item_id": "eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6",
6  "account_id": "dVzbVMLjrxTnLjX4G66XUp5GLklm4oiZy88yK",
7  "environment": "sandbox"
8}