- Began the automatic enrollment of some customers into [Data Transparency Messaging (DTM)](/docs/link/data-transparency-messaging-migration-guide/). 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](/docs/link/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](https://dashboard.plaid.com/settings/team/sso). 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.