The returning user experience

The user starts a Link session.

The returning user experience (formerly known as Remember Me) streamlines onboarding for users who have already connected a financial account with Plaid in the US or Canada. In Link, users can choose to associate their phone number with the accounts they're connecting to a financial app or service. Once users have opted-in to being 'remembered' by Plaid, they'll be able to quickly connect those same accounts to other financial apps and services in the future using a one-time password for thousands of financial institutions, resulting in higher conversion and a simpler user experience.

After the Consent screen in Link, users can input their phone number and verify it using a one-time password sent to their device. Next, the user will proceed to select an institution and connect their account(s). Once account verification is completed, Plaid will associate the institution and accounts with the user's phone number.

This experience is automatically enabled for all eligible customers, and you do not need to make any updates to your integration to support it.

The user starts a Link session.

When users want to connect their saved institutions and accounts to additional Plaid-powered apps or services, Plaid runs security checks to detect that they are a returning user with the same phone number and device.

Users can choose to be remembered by Plaid, making future connections faster and easier. To enroll, the user will enter their phone number in Link. This flow is available for phone numbers with country codes +1 (covering the United States, Canada, and part of the Caribbean), +44 (UK), and +52 (Mexico); users selecting codes from any other country will be redirected to the standard Link flow. The default country shown in the dropdown will be based on the country code(s) provided in the /link/token/create call; for example, if /link/token/create is called with a single country code, that country will be shown as the default; if it is called with multiple countries, including US, the United States will be shown as the default.

Supported institutions that users have previously connected an account from and offer a streamlined experience will be designated by the lightning bolt in the institution selection pane. If an institution does not have a lightning bolt, users will be required to go through the full Link experience to connect their account.

Link sessions can be enabled for a more streamlined user experience when Plaid already knows the user’s phone number. When a user.phone_number is provided via /link/token/create, Plaid will pre-fill the phone number in Link for the user. Only the last 4 digits of the associated phone number are shown in order to preserve user privacy.

The user can then verify their phone number using a one-time password. Plaid will deploy a number of security checks to verify that the phone number belongs to the device before the user can select which saved institution to connect to an app or service. Pre-filling phone numbers can help boost conversion while reducing the number of manual inputs from users.

Passkeys are a secure alternative to passwords and can provide a streamlined account linking experience for thousands of institutions. Plaid will automatically enable passkeys for Link sessions on iOS devices when you use the Plaid iOS SDK 4.3.0+ or React Native 10.2.0+ SDK.

In Link, users will be prompted to enable passkeys with Face or Touch ID before proceeding with connecting their financial accounts to a chosen app or service. When the same user wants to connect to another app or service, they can use their passkey with Face or Touch ID instead of a one-time password for a streamlined authentication experience.

Passport provides a streamlined experience where end users can opt-in to saving their financial account connections and personal information in a Plaid account. They can then securely and easily share this account with some Plaid-powered apps and services.

Passport is available now for Consumer Report by Plaid Check. End users can use Passport to share their consumer report with Plaid Check customers and partners to receive credit-related services. This experience is automatically enabled for eligible customers, and you do not need to make any updates to your integration to support it.

To view the Passport experience, you can launch Link with any Plaid Check product in the Sandbox environment.

Silent Network Authentication (SNA) is an aspect of the mobile Returning User Experience that enables Plaid to verify a consumer's phone number using their mobile network carrier. Eligible users can skip manual OTP verification of their phone number, which removes one step in the Link flow. SNA is currently used for Layer and for the Returning User Experience within Plaid Check Consumer Reports, and will be rolled out to all eligible Plaid Check sessions by the end of May 2025. SNA is also occasionally used for eligible Returning User Experience flows for other products.

SNA is supported on mobile flows using Plaid's native or React Native mobile SDKs using Android SDK version >=5.6.0 and iOS SDK version >=4.7. Customers using Layer or Plaid Check Consumer Reports are strongly recommended to upgrade to iOS SDK version >=6.0.1 (or React Native iOS >=12.0.2) in order to take advantage of substantial performance improvements to the SNA flow. Aside from using a compatible SDK, no work is required on your part to enable SNA.

SNA is compatible with AT&T, T-Mobile, and Verizon, and works by verifying the user's SIM is connected to the mobile network carrier and not spoofed or cloned. If SNA cannot verify the user's number (for example, because verification failed, their network is not compatible, or mobile data is unavailable) Plaid will fall back to the manual OTP flow.

SNA is available only in Production and cannot currently be emulated in Sandbox.

The returning user flow can be tested in the Sandbox or Production environments.

Real phone numbers do not work in Sandbox. Instead, Sandbox has been seeded with a test user whose phone numbers may be used to trigger different scenarios. To explore each scenario, enter the corresponding phone number and correct OTP. For all scenarios, the correct OTP is 123456.

Returning User: A user who has previously enrolled in the returning user experience by confirming their device and successfully linking an Item.

Link emits events to indicate whether or not users opt-in to being remembered by Plaid:

The following can be found in the view_name field in the TRANSITION_VIEW event for returning user panes:

The match_reason field in the SELECT_INSTITUTION event has the following values for the returning user flow:

Link will emit the ERROR event when the user submits an invalid phone number or an invalid OTP. The error_code will be INVALID_PHONE_NUMBER or INVALID_OTP, respectively.

For more details, see Link SDK documentation. For more information on tracking Link conversion in general, see Improving Link conversion.