Plaid Ledger
API reference for Plaid Ledger
For how-to guidance, see the Ledger documentation.
| Plaid Ledger | |
|---|---|
/transfer/ledger/deposit | Deposit funds into a ledger balance held with Plaid |
/transfer/ledger/distribute | Move available balance between platform and its originator |
/transfer/ledger/get | Retrieve information about the ledger balance held with Plaid |
/transfer/ledger/withdraw | Withdraw funds from a ledger balance held with Plaid |
/transfer/ledger/deposit
Deposit funds into a Plaid Ledger balance
Use the /transfer/ledger/deposit endpoint to deposit funds into Plaid Ledger.
Request fields
client_idstring
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.secretstring
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.originator_client_idstring
Client ID of the customer that owns the Ledger balance. This is so Plaid knows which of your customers to payout or collect funds. Only applicable for Platform customers. Do not include if you’re paying out to yourself.
funding_account_idstring
Specify which funding account to use. Customers can find a list of
funding_account_ids in the Accounts page of the Plaid Dashboard, under the "Account ID" column. If this field is left blank, the funding account associated with the specified Ledger will be used. If an originator_client_id is specified, the funding_account_id must belong to the specified originator.ledger_idstring
Specify which ledger balance to deposit to. Customers can find a list of
ledger_ids in the Accounts page of your Plaid Dashboard. If this field is left blank, this will default to id of the default ledger balance.amountrequiredstring
A positive amount of how much will be deposited into ledger (decimal string with two digits of precision e.g. "5.50").
descriptionstring
The description of the deposit that will be passed to the receiving bank (up to 10 characters). Note that banks utilize this field differently, and may or may not show it on the bank statement.
Max length:
10 idempotency_keyrequiredstring
A unique key provided by the client, per unique ledger deposit. Maximum of 50 characters.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger deposit fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single deposit is created.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger deposit fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single deposit is created.
Max length:
50 networkrequiredstring
The ACH networks used for the funds flow.
For requests submitted as either
For requests submitted as either
ach or same-day-ach the cutoff for same-day is 3:30 PM Eastern Time and the cutoff for next-day transfers is 8:30 PM Eastern Time. It is recommended to submit a request at least 15 minutes before the cutoff time in order to ensure that it will be processed before the cutoff. Any request that is indicated as same-day-ach and that misses the same-day cutoff, but is submitted in time for the next-day cutoff, will be sent over next-day rails and will not incur same-day charges.Possible values:
ach, same-day-ach1const request: TransferLedgerDepositRequest = {2 amount: '12.34',3 network: 'ach',4 idempotency_key: 'test_deposit_abc',5 description: 'deposit',6};7try {8 const response = await client.transferLedgerDeposit(request);9 const sweep = response.data.sweep;10} catch (error) {11 // handle error12}Response fields and example
sweepobject
Describes a sweep of funds to / from the sweep account.
A sweep is associated with many sweep events (events of type
The total sum of the
A sweep is associated with many sweep events (events of type
swept or return_swept) which can be retrieved by invoking the /transfer/event/list endpoint with the corresponding sweep_id.swept events occur when the transfer amount is credited or debited from your sweep account, depending on the type of the transfer. return_swept events occur when a transfer is returned and Plaid undoes the credit or debit.The total sum of the
swept and return_swept events is equal to the amount of the sweep Plaid creates and matches the amount of the entry on your sweep account ledger.idstring
Identifier of the sweep.
funding_account_idstring
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
ledger_idnullablestring
Plaid’s unique identifier for a Plaid Ledger Balance.
createdstring
The datetime when the sweep occurred, in RFC 3339 format.
Format:
date-time amountstring
Signed decimal amount of the sweep as it appears on your sweep account ledger (e.g. "-10.00")
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
iso_currency_codestring
The currency of the sweep, e.g. "USD".
settlednullablestring
The date when the sweep settled, in the YYYY-MM-DD format.
Format:
date expected_funds_available_date nullablestring
The expected date when funds from a ledger deposit will be made available and can be withdrawn from the associated ledger balance. Only applies to deposits. This will be of the form YYYY-MM-DD.
Format:
date statusnullablestring
The status of a sweep transfer
"pending" - The sweep is currently pending
"posted" - The sweep has been posted
"settled" - The sweep has settled. This is the terminal state of a successful credit sweep.
"returned" - The sweep has been returned. This is the terminal state of a returned sweep. Returns of a sweep are extremely rare, since sweeps are money movement between your own bank account and your own Ledger.
"funds_available" - Funds from the sweep have been released from hold and applied to the ledger's available balance. (Only applicable to deposits.) This is the terminal state of a successful deposit sweep.
"failed" - The sweep has failed. This is the terminal state of a failed sweep.Possible values:
pending, posted, settled, funds_available, returned, failed, nulltriggernullablestring
The trigger of the sweep
"manual" - The sweep is created manually by the customer
"incoming" - The sweep is created by incoming funds flow (e.g. Incoming Wire)
"balance_threshold" - The sweep is created by balance threshold setting
"automatic_aggregate" - The sweep is created by the Plaid automatic aggregation process. These funds did not pass through the Plaid Ledger balance.Possible values:
manual, incoming, balance_threshold, automatic_aggregatedescriptionstring
The description of the deposit that will be passed to the receiving bank (up to 10 characters). Note that banks utilize this field differently, and may or may not show it on the bank statement.
network_trace_idnullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For
For
ach or same-day-ach transfers, this is the ACH trace number.
For rtp transfers, this is the Transaction Identification number.
For wire transfers, this is the IMAD (Input Message Accountability Data) number.failure_reasonnullableobject
The failure reason if the status for a sweep is
"failed" or "returned". Null value otherwise.failure_codenullablestring
The failure code, e.g.
R01. A failure code will be provided if and only if the sweep status is returned. See ACH return codes for a full listing of ACH return codes and RTP/RfP error codes for RTP error codes.descriptionnullablestring
A human-readable description of the reason for the failure or reversal.
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "sweep": {3 "id": "8c2fda9a-aa2f-4735-a00f-f4e0d2d2faee",4 "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",5 "ledger_id": "563db5f8-4c95-4e17-8c3e-cb988fb9cf1a",6 "created": "2020-08-06T17:27:15Z",7 "amount": "-12.34",8 "iso_currency_code": "USD",9 "settled": null,10 "status": "pending",11 "trigger": "manual",12 "description": "deposit",13 "network_trace_id": null14 },15 "request_id": "saKrIBuEB9qJZno"16}/transfer/ledger/distribute
Move available balance between the ledgers of the platform and one of its originators
Use the /transfer/ledger/distribute endpoint to move available balance between the ledgers of the platform and one of its originators.
Request fields
client_idstring
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.secretstring
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.from_ledger_idrequiredstring
The Ledger to pull money from.
to_ledger_idrequiredstring
The Ledger to credit money to.
amountrequiredstring
The amount to move (decimal string with two digits of precision e.g. "10.00"). Amount must be positive.
idempotency_keyrequiredstring
A unique key provided by the client, per unique ledger distribute. Maximum of 50 characters.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger distribute fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single distribute is created.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger distribute fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single distribute is created.
Max length:
50 descriptionstring
An optional description for the ledger distribute operation.
1const request: TransferLedgerDistributeRequest = {2 from_client_id: '6a65dh3d1h0d1027121ak184',3 to_client_id: '415ab64b87ec47401d000002'4 amount: '12.34',5 idempotency_key: 'test_distribute_abc',6 description: 'distribute',7};8try {9 const response = await client.transferLedgerDistribute(request);10} catch (error) {11 // handle error12}Response fields and example
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "request_id": "saKrIBuEB9qJZno"3}/transfer/ledger/get
Retrieve Plaid Ledger balance
Use the /transfer/ledger/get endpoint to view a balance on the ledger held with Plaid.
Request fields
client_idstring
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.secretstring
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.ledger_idstring
Specify which ledger balance to get. Customers can find a list of
ledger_ids in the Accounts page of your Plaid Dashboard. If this field is left blank, this will default to id of the default ledger balance.originator_client_idstring
Client ID of the end customer.
1try {2 const response = await client.transferLedgerGet({}});3 const available_balance = response.data.balance.available;4 const pending_balance = response.data.balance.pending;5} catch (error) {6 // handle error7}Response fields and example
ledger_idstring
The unique identifier of the Ledger that was returned.
balanceobject
Information about the balance of the ledger held with Plaid.
namestring
The name of the Ledger
is_defaultboolean
Whether this Ledger is the client's default ledger.
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "ledger_id": "563db5f8-4c95-4e17-8c3e-cb988fb9cf1a",3 "name": "Default",4 "is_default": true,5 "balance": {6 "available": "1721.70",7 "pending": "123.45"8 },9 "request_id": "saKrIBuEB9qJZno"10}/transfer/ledger/withdraw
Withdraw funds from a Plaid Ledger balance
Use the /transfer/ledger/withdraw endpoint to withdraw funds from a Plaid Ledger balance.
Request fields
client_idstring
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.secretstring
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.originator_client_idstring
Client ID of the customer that owns the Ledger balance. This is so Plaid knows which of your customers to payout or collect funds. Only applicable for Platform customers. Do not include if you’re paying out to yourself.
funding_account_idstring
Specify which funding account to use. Customers can find a list of
funding_account_ids in the Accounts page of the Plaid Dashboard, under the "Account ID" column. If this field is left blank, the funding account associated with the specified Ledger will be used. If an originator_client_id is specified, the funding_account_id must belong to the specified originator.ledger_idstring
Specify which ledger balance to withdraw from. Customers can find a list of
ledger_ids in the Accounts page of your Plaid Dashboard. If this field is left blank, this will default to id of the default ledger balance.amountrequiredstring
A positive amount of how much will be withdrawn from the ledger balance (decimal string with two digits of precision e.g. "5.50").
descriptionstring
The description of the deposit that will be passed to the receiving bank (up to 10 characters). Note that banks utilize this field differently, and may or may not show it on the bank statement.
Max length:
10 idempotency_keyrequiredstring
A unique key provided by the client, per unique ledger withdraw. Maximum of 50 characters.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger withdraw fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single withdraw is created.
The API supports idempotency for safely retrying the request without accidentally performing the same operation twice. For example, if a request to create a ledger withdraw fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single withdraw is created.
Max length:
50 networkrequiredstring
The network or rails used for the transfer.
For transfers submitted as
For transfers submitted as
For transfers submitted as
Wire transfers are currently in early availability. To request access to
For transfers submitted as
ach or same-day-ach, the next-day cutoff is 8:30 PM Eastern Time.For transfers submitted as
same-day-ach, the same-day cutoff is 3:30 PM Eastern Time. It is recommended to send the request 15 minutes prior to the cutoff to ensure that it will be processed in time for submission before the cutoff. If the transfer is processed after this cutoff but before the next-day cutoff, it will be sent over next-day rails and will not incur same-day charges; this will apply to both legs of the transfer if applicable. The transaction limit for a Same-day ACH transfer is $1,000,000. Authorization requests sent with an amount greater than $1,000,000 will fail.For transfers submitted as
rtp, Plaid will automatically route between Real Time Payment rail by TCH or FedNow rails as necessary. If a transfer is submitted as rtp and the counterparty account is not eligible for RTP, the /transfer/authorization/create request will fail with an INVALID_FIELD error code. To pre-check to determine whether a counterparty account can support RTP, call /transfer/capabilities/get before calling /transfer/authorization/create.Wire transfers are currently in early availability. To request access to
wire as a payment network, contact your Account Manager. For transfers submitted as wire, the type must be credit; wire debits are not supported. The cutoff to submit a wire payment is 4:30 PM Eastern Time on a business day; wires submitted after that time will be processed on the next business day. The transaction limit for a wire is $999,999.99. Authorization requests sent with an amount greater than $999,999.99 will fail.Possible values:
ach, same-day-ach, rtp, wire1const request: TransferLedgerWithdrawRequest = {2 amount: '12.34',3 network: 'ach',4 idempotency_key: 'test_deposit_abc',5 description: 'withdraw',6};7try {8 const response = await client.transferLedgerWithdraw(request);9 const sweep = response.data.sweep;10} catch (error) {11 // handle error12}Response fields and example
sweepobject
Describes a sweep of funds to / from the sweep account.
A sweep is associated with many sweep events (events of type
The total sum of the
A sweep is associated with many sweep events (events of type
swept or return_swept) which can be retrieved by invoking the /transfer/event/list endpoint with the corresponding sweep_id.swept events occur when the transfer amount is credited or debited from your sweep account, depending on the type of the transfer. return_swept events occur when a transfer is returned and Plaid undoes the credit or debit.The total sum of the
swept and return_swept events is equal to the amount of the sweep Plaid creates and matches the amount of the entry on your sweep account ledger.idstring
Identifier of the sweep.
funding_account_idstring
The id of the funding account to use, available in the Plaid Dashboard. This determines which of your business checking accounts will be credited or debited.
ledger_idnullablestring
Plaid’s unique identifier for a Plaid Ledger Balance.
createdstring
The datetime when the sweep occurred, in RFC 3339 format.
Format:
date-time amountstring
Signed decimal amount of the sweep as it appears on your sweep account ledger (e.g. "-10.00")
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
If amount is not present, the sweep was net-settled to zero and outstanding debits and credits between the sweep account and Plaid are balanced.
iso_currency_codestring
The currency of the sweep, e.g. "USD".
settlednullablestring
The date when the sweep settled, in the YYYY-MM-DD format.
Format:
date expected_funds_available_date nullablestring
The expected date when funds from a ledger deposit will be made available and can be withdrawn from the associated ledger balance. Only applies to deposits. This will be of the form YYYY-MM-DD.
Format:
date statusnullablestring
The status of a sweep transfer
"pending" - The sweep is currently pending
"posted" - The sweep has been posted
"settled" - The sweep has settled. This is the terminal state of a successful credit sweep.
"returned" - The sweep has been returned. This is the terminal state of a returned sweep. Returns of a sweep are extremely rare, since sweeps are money movement between your own bank account and your own Ledger.
"funds_available" - Funds from the sweep have been released from hold and applied to the ledger's available balance. (Only applicable to deposits.) This is the terminal state of a successful deposit sweep.
"failed" - The sweep has failed. This is the terminal state of a failed sweep.Possible values:
pending, posted, settled, funds_available, returned, failed, nulltriggernullablestring
The trigger of the sweep
"manual" - The sweep is created manually by the customer
"incoming" - The sweep is created by incoming funds flow (e.g. Incoming Wire)
"balance_threshold" - The sweep is created by balance threshold setting
"automatic_aggregate" - The sweep is created by the Plaid automatic aggregation process. These funds did not pass through the Plaid Ledger balance.Possible values:
manual, incoming, balance_threshold, automatic_aggregatedescriptionstring
The description of the deposit that will be passed to the receiving bank (up to 10 characters). Note that banks utilize this field differently, and may or may not show it on the bank statement.
network_trace_idnullablestring
The trace identifier for the transfer based on its network. This will only be set after the transfer has posted.
For
For
ach or same-day-ach transfers, this is the ACH trace number.
For rtp transfers, this is the Transaction Identification number.
For wire transfers, this is the IMAD (Input Message Accountability Data) number.failure_reasonnullableobject
The failure reason if the status for a sweep is
"failed" or "returned". Null value otherwise.failure_codenullablestring
The failure code, e.g.
R01. A failure code will be provided if and only if the sweep status is returned. See ACH return codes for a full listing of ACH return codes and RTP/RfP error codes for RTP error codes.descriptionnullablestring
A human-readable description of the reason for the failure or reversal.
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "sweep": {3 "id": "8c2fda9a-aa2f-4735-a00f-f4e0d2d2faee",4 "funding_account_id": "8945fedc-e703-463d-86b1-dc0607b55460",5 "ledger_id": "563db5f8-4c95-4e17-8c3e-cb988fb9cf1a",6 "created": "2020-08-06T17:27:15Z",7 "amount": "12.34",8 "iso_currency_code": "USD",9 "settled": null,10 "status": "pending",11 "trigger": "manual",12 "description": "withdraw",13 "network_trace_id": null14 },15 "request_id": "saKrIBuEB9qJZno"16}