Rate Limit Exceeded Errors

Guide to troubleshooting rate limit exceeded errors

Rate limit table

Errors of type RATE_LIMIT_EXCEEDED will occur when the rate limit for a particular endpoint has been exceeded. Default rate limit thresholds for some of the most commonly rate-limited endpoints are shown below. Note that these tables are not an exhaustive listing of all Plaid rate limits or rate-limited endpoints, that some customers may experience different rate limit thresholds from those shown, and that rate limits are subject to change at any time.

In general, Plaid default rate limits are set such that using the API as designed should typically not cause a rate limit to be encountered. If your use case requires a higher rate limit, contact your Account Manager or file a Support request.

Production rate limits
EndpointMax requests per ItemMax requests per client
/accounts/balance/get5 per minute1,200 per minute
/accounts/get15 per minute15,000 per minute
/asset_report/create5 per minute50 per minute
/asset_report/get15 per minute (per asset report)1,000 per minute
/asset_report/pdf/get15 per minute (per asset report)50 per minute
/asset_report/refresh5 per minute (per asset report)50 per minute
/auth/get15 per minute12,000 per minute
/identity/get15 per minute2,000 per minute
/identity_verification/createN/A200 per minute
/identity_verification/getN/A500 per minute
/identity_verification/listN/A400 per minute
/identity_verification/retryN/A200 per minute
/institutions/getN/A50 per minute
/institutions/get_by_idN/A400 per minute
/investments/holdings/get15 per minute2,000 per minute
/investments/transactions/get30 per minute20,000 per minute
/item/get15 per minute5,000 per minute
/item/remove30 per minute2,000 per minute
/liabilities/get15 per minute1,000 per minute
/network/status/getN/A1,000 per minute
/processor/token/createN/A500 per minute
/signal/evaluate70 per hour, 10 per transaction per hour20 per second
/signal/decision/reportN/A4,000 per minute
/signal/prepareN/A2,000 per minute
/signal/return/reportN/A4,000 per minute
/transactions/enrichN/A100 per minute
/transactions/get30 per minute20,000 per minute
/transactions/recurring/get20 per minute1,000 per minute
/transactions/refresh2 per minute100 per minute
/transactions/sync50 per minute2,500 per minute
/transfer/authorization/create100 per hour2,500 per minute
/transfer/cancelN/A250 per minute
/transfer/createN/A2,500 per minute
/transfer/event/syncN/A5,000 per minute
/transfer/intent/createN/A5,000 per minute
/transfer/migrate_accountN/A250 per minute
/transfer/recurring/cancelN/A250 per minute
/transfer/recurring/createN/A5,000 per minute
/transfer/refund/cancelN/A250 per minute
/transfer/refund/createN/A5,000 per minute
/transfer/*/getN/A5,000 per minute
/transfer/*/listN/A100 per minute
/watchlist_screening/*N/A2,000 per minute
/payment_initiation/recipient/createN/A240 per minute
/payment_initiation/recipient/getN/A240 per minute
/payment_initiation/recipient/listN/A240 per minute
/payment_initiation/payment/createN/A240 per minute
/payment_initiation/payment/getN/A240 per minute
/payment_initiation/payment/listN/A240 per minute
/payment_initiation/payment/reverseN/A240 per minute
/payment_initiation/consent/createN/A100 per minute
/payment_initiation/consent/getN/A240 per minute
/payment_initiation/consent/revokeN/A100 per minute
/payment_initiation/consent/payment/executeN/A100 per minute (5 per consent)
Sandbox rate limits
EndpointMax requests per ItemMax requests per client
/accounts/balance/get25 per minute100 per minute
/accounts/get100 per minute5,000 per minute
/asset_report/createN/A100 per minute
/asset_report/get1,000 per minute1,000 per minute
/asset_report/refreshN/A100 per minute
/auth/get100 per minute500 per minute
/identity/get100 per minute1,000 per minute
/identity_verification/*N/A60 per minute
/institutions/getN/A10 per minute
/institutions/get_by_idN/A400 per minute
/investments/holdings/get100 per minute1,000 per minute
/investments/transactions/get100 per minute1,000 per minute
/item/get40 per minute5,000 per minute
/item/remove100 per minute500 per minute
/liabilities/get10 per minute1,000 per minute
/network/status/getN/A1,000 per minute
/processor/token/createN/A500 per minute
/signal/evaluate70 per hour, 10 per transaction per hour30 per second
/signal/decision/reportN/A4,000 per minute
/signal/prepareN/A2,000 per minute
/signal/return/reportN/A4,000 per minute
/transactions/enrichN/A100 per minute
/transactions/get80 per minute1,000 per minute
/transactions/recurring/get20 per minute1,000 per minute
/transactions/refresh2 per minute100 per minute
/transactions/sync50 per minute1,000 per minute
/transfer/authorization/create100 per hour100 per minute
/transfer/createN/A100 per minute
/transfer/intent/createN/A100 per minute
/transfer/recurring/createN/A100 per minute
/transfer/refund/createN/A100 per minute
/watchlist_screening/*N/A500 per minute
/payment_initiation/recipient/createN/A240 per minute
/payment_initiation/recipient/getN/A240 per minute
/payment_initiation/recipient/listN/A240 per minute
/payment_initiation/payment/createN/A100 per minute
/payment_initiation/payment/getN/A240 per minute
/payment_initiation/payment/listN/A240 per minute
/payment_initiation/payment/reverseN/A240 per minute
/payment_initiation/consent/createN/A100 per minute
/payment_initiation/consent/getN/A240 per minute
/payment_initiation/consent/revokeN/A100 per minute
/payment_initiation/consent/payment/executeN/A100 per minute (10 per consent)

ACCOUNTS_LIMIT

Too many requests were made to the /accounts/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /accounts/get in Production are rate limited at a maximum of 15 requests per Item per minute and 15,000 per client per minute. In the Sandbox, they are limited at a maximum of 100 per Item per minute and 5,000 per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "ACCOUNTS_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

ACCOUNTS_BALANCE_GET_LIMIT

Too many requests were made to the /accounts/balance/get endpoint.
Common causes
  • Too many requests were made in a short period of time by a single client. Requests to /account/balance/get in Production are client rate limited to 1,200 requests per client per minute. In the Sandbox environment, they are client rate limited at a maximum of 100 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "ACCOUNTS_BALANCE_GET_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

AUTH_LIMIT

Too many requests were made to the /auth/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /auth/get in Production are rate limited at a maximum of 15 requests per Item per minute and 12,000 per client per minute. In the Sandbox, they are rate limited at a maximum of 100 requests per Item per minute and 500 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "AUTH_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

BALANCE_LIMIT

Too many requests were made to the /accounts/balance/get endpoint.
Common causes
  • Too many requests were made for a single Item in a short period of time. Requests to /account/balance/get in Production are Item rate limited at a maximum of 5 requests per Item per minute. In the Sandbox environment, they are Item rate limited at a maximum of 25 requests per Item per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "BALANCE_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

CREDITS_EXHAUSTED

You have used up your free API usage allocation in Limited Production
Common causes
  • You ran out of free API calls for a given product in Limited Production.
  • You do not yet have Production access and hit the Item creation cap in Limited Production.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "CREDITS_EXHAUSTED",
5 "error_message": "Free usage exhausted, please request full Production access to continue using this product",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

IDENTITY_LIMIT

Too many requests were made to the /identity/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /identity/get in Production are rate limited at a maximum of 15 requests per Item per minute and 2,000 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 100 requests per Item per minute and 1,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "IDENTITY_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

INSTITUTIONS_GET_LIMIT

Too many requests were made to the /institutions/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /institutions/get in Production are rate limited at a maximum of 25 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 10 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "INSTITUTIONS_GET_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access \"institutions get by id\". please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

INSTITUTIONS_GET_BY_ID_LIMIT

Too many requests were made to the /institutions/get_by_id endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /institutions/get_by_id are rate limited at a maximum of 400 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "INSTITUTIONS_GET_BY_ID_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access \"institutions get by id\". please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

INSTITUTION_RATE_LIMIT

Too many requests were made to a given institution.
Common causes
  • Too many requests were made by Plaid in a short period of time to a given institution. Because each institution has unique rate limiting behavior, Plaid cannot provide exact details of how many requests are necessary to trigger this behavior.
  • This error will only trigger when calling API endpoints that request realtime data from the institution, such as /accounts/balance/get or /transactions/refresh.
  • This institution-level limit is distinct from per-Item or per-client limits and is not applied to user-present traffic (e.g., within Link).
  • In some cases, the cause of the rate limit may be another client and may not be your client application's behavior.
Troubleshooting steps

If your client made a very large number of requests in a short time to a realtime endpoint such as /accounts/balance/get at a single institution, consider adding logic to spread these requests over a longer time window.

Use an exponential backoff retry algorithm to try your request again later.

1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "INSTITUTION_RATE_LIMIT",
5 "error_message": "The institution is currently receiving too many requests. Please try again later.",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

INVESTMENT_HOLDINGS_GET_LIMIT

Too many requests were made to the /investments/holdings/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /investments/holdings/get in Production are rate limited at a maximum of 15 requests per Item per minute and 2,000 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 100 requests per Item per minute and 1,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "INVESTMENT_HOLDINGS_GET_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

INVESTMENT_TRANSACTIONS_LIMIT

Too many requests were made to the /investments/transactions/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /investments/transactions/get in Production are rate limited at a maximum of 30 requests per Item per minute and 20,000 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 100 requests per Item per minute and 1,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "INVESTMENT_TRANSACTIONS_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

ITEM_GET_LIMIT

Too many requests were made to the /item/get endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /item/get in Production are rate limited at a maximum of 15 requests per Item per minute and 5,000 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 40 requests per Item per minute and 5,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "ITEM_GET_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

RATE_LIMIT

Too many requests were made.
Common causes
  • Too many requests were made in a short period of time.
  • Sandbox credentials (the username user_good or user_custom) were used to attempt to log in to Production. Because using these credentials in a live environment is a common misconfiguration, they are frequently subject to rate limiting.
  • A Link attempt was detected as potential attempted abuse. For example, this may occur if a user enters their credentials incorrectly too many times in a row.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "RATE_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

TRANSACTIONS_LIMIT

Too many requests were made to a transactions endpoint such as/transactions/get or /transactions/refresh.
Common causes
  • Too many requests were made in a short period of time. Requests to /transactions/get in Production are rate limited at a maximum of 30 requests per Item per minute and 20,000 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 80 requests per Item per minute and 1,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "TRANSACTIONS_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}

TRANSACTIONS_SYNC_LIMIT

Too many requests were made to the /transactions/sync endpoint.
Common causes
  • Too many requests were made in a short period of time. Requests to /transactions/sync in Production are rate limited at a maximum of 50 requests per Item per minute and 2,500 per client per minute. In the Sandbox environment, they are rate limited at a maximum of 50 requests per Item per minute and 1,000 requests per client per minute.
Troubleshooting steps
1http code 429
2{
3 "error_type": "RATE_LIMIT_EXCEEDED",
4 "error_code": "TRANSACTIONS_SYNC_LIMIT",
5 "error_message": "rate limit exceeded for attempts to access this item. please try again later",
6 "display_message": null,
7 "request_id": "HNTDNrA8F1shFEW"
8}