What are Plaid’s products?
Plaid offers eight products: Auth, Transactions, Identity, Balance, Assets, Investments, and Liabilities. Each product returns data that can be used to deliver high-quality experiences to end users.
- Auth | ACH authentication (account and routing numbers)
- Transactions | Contextualized account and transaction data
- Identity | Name, phone number, email, and physical address
- Balance | Real-time balance checks
- Income | Income validation
- Assets | Asset validation
- Investments | Holding and investment transaction data
- Liabilities | Student loan and credit card details
All of our products can be accessed through a single integration, enabling you to build customized solutions that suit your business needs. You can find additional detail about all products in our documentation. If you require further information, please reach out through our contact page.
How many banks does Plaid support?
We support each of our products across thousands of financial institutions. A full list of supported institutions is available via the API. Please also feel free to reach out through our contact page for more details.
What type of information does Plaid provide via Transactions?
The Transactions endpoint returns data elements including current and available balance, name of the user’s bank account, transaction pending status, geo-coordinates of transaction location, and a transaction categorization. If there’s something else you’d like to see, we’d love to hear from you. Share your feedback and get answers to any additional questions you have about our products and your data needs by contacting our team.
How often do you pull transaction data?
Plaid pulls transaction data multiple times per day. When new data is ready, we can notify you via webhooks.
How much does Plaid cost?
Your first live accounts are free in the development environment, and there is no limit on the number of Sandbox items that you may generate. You can learn more about our production plans on our pricing page. Reach out to us to receive details for all products in production. Looking forward to learning about what you’re building!
Can I test Plaid’s data and products?
Yes! You can create an account on our site to gain immediate access to the platform and a live set of API keys, and you’re able to add your first 100 live accounts for free in the development environment.
Once I’ve tested Plaid, how do I upgrade to a production-level account?
Please follow these steps, and we'll be in touch shortly.
Does Plaid process transactions?
No, we don't process transactions (which actually sends money between accounts). Instead, our Auth product instantly authenticates accounts for ACH—eliminating the need for users to enter account and routing numbers or deal with micro-deposits. Plaid authenticates accounts using online banking credentials, making it possible to begin transferring money immediately. You can read more on our site. We're processor agnostic, so you can use any provider you like, but we've also partnered with Stripe to tokenize the whole process.
Does Plaid support Multi-Factor Authentication (MFA)?
Our API supports MFA processes at all supported institutions.
Does Plaid support business bank accounts?
Yes, Plaid supports both consumer and business bank accounts.
Does Plaid support international bank accounts?
Plaid supports institutions in the following countries:
- Canada (
- France (
- Ireland (
- Netherlands (
- Spain (
- United Kingdom (
- United States (
If you are interested in other countries and regions, please reach out through our contact page for more details on our roadmap.
What do I need for different OAuth integrations?
See the OAuth requirements in the Link parameter reference.
How do I integrate with Plaid?
Plaid Link is the quick and secure way to integrate with the Plaid API. Link is a drop-in module that handles credential validation, multi-factor authentication, and error handling for each institution that we support – all while keeping credentials from ever hitting your server. Head over to the Link documentation to get started.
Does Plaid own the logos made available via the institutions API?
While Plaid shares the logos as a courtesy to the developer community, Plaid does not own any of the logos shared by the API. By accessing or using these logos, you agree that you are doing so at your own risk and will, if necessary, obtain all required permissions from the appropriate rights holders and adhere to any applicable usage guidelines. Plaid disclaims all express or implied warranties with respect to the logos.
Where can I learn more about Plaid security?
We take security seriously. You can learn more about our security practices on our security page, but in short, we tokenize and encrypt sensitive data and advocate for the broader use of these protocols throughout the industry. We have passed a SOC 2 audit and regularly undergo compliance and pen testing.
What changes are required to support European integrations?
Some European institutions use an OAuth authentication flow, in which Plaid Link redirects the end user to their bank’s website or mobile app to authenticate. If you are initializing Link with one or more European country codes, your integration may require changes in order to support OAuth authentication flows. See OAuth requirements for more information.
When consent expires for PSD2 integrations, the Item will enter the
ITEM_LOGIN_REQUIRED error state. To circumvent this error and maintain continuous consent, the end user can reauthenticate via Link’s update mode in advance of the consent expiration time. The consent expiration time is included in the response from
/item/get. We will also fire a
PENDING_EXPIRATION Item webhook 7 days before the consent expires.
Finally, how do you pronounce Plaid?
Our name rhymes with glad! If you have additional questions, please reach out to our team from this contact page and we'll respond shortly.