Plaid logo
Docs
ALL DOCS

Auth

  • Introduction to Auth
  • Add Auth to your app
  • Move money with our partners
  • Add institution coverage
Plaid logo
Docs
Plaid.com
Get API keys
Open nav

Full Auth coverage

Support Auth for all US financial institutions

Prefer to learn by watching? A video guide is available for this topic.

Overview

Instant Auth covers 90% of users' financial institution accounts. For the remaining 10% of financial institutions, Plaid offers users the ability to connect their accounts through a combination of verifying micro-deposits and account credentials.

To support Auth for all of your users, this guide will show you how to build the following Auth flows:

  • Instant Auth: User enters their credentials and is authenticated immediately. This is the default flow. No extra steps are necessary to enable Instant Auth if you have already integrated Auth into your app.
  • Instant Match (US only): User enters their credentials, account number, and routing number. Plaid matches user input and authenticates immediately.
  • Automated Micro-deposits (US only): User enters their credentials, account number, and routing number. Plaid makes a micro-deposit and automatically verifies the deposit in as little as one to two business days.
  • Same Day Micro-deposits (US only): User enters account and routing numbers. Plaid makes two Same Day ACH micro-deposits and the user manually verifies the deposits in as little as one business day.
Auth Overview Diagram

For each of these flows, Plaid will automatically prompt the user for the appropriate information. If a user cannot find their financial institution when searching, Plaid Link will prompt them to link with account numbers, where they can enter the Same Day Micro-deposits flow.

Each section in this guide is broken down into steps and supporting code samples.

Not all Plaid Developer accounts are enabled for Instant Match, Automated Micro-deposits, or Same Day Micro-deposits by default. To enable these features or check your status, contact your account manager or submit a product access Support ticket.

Next steps

Instant Auth & Instant Match

Support the most common Auth flows

View guide

Automated Micro-deposits

Integrate the automated micro-deposit flow

View guide

Same Day Micro-deposits

Integrate the manual micro-deposit flow

View guide

Micro-deposit events

Learn how to use Bank Transfers webhooks to receive micro-deposit status updates

View guide
Was this helpful?
Developer community
Github logo
Github logo
StackOverflow logo
StackOverflow logo
Twitter logo
Twitter logo