Get started with the Quickstart

Let’s test out running Plaid locally by cloning the Quickstart app. You’ll need API keys, which you can receive by signing up in the Dashboard.

You'll have two different API keys, and there are three different Plaid environments. Today we'll start in the Sandbox environment. View the API Keys section of the Dashboard to find your Sandbox secret.

Once you have your API keys, it's time to run the Plaid Quickstart locally! The instructions below will guide you through the process of cloning the Quickstart repository, customizing the .env file with your own Plaid client ID and Sandbox secret, and finally, building and running the app.

Plaid offers both Docker and non-Docker options for the Quickstart. If you don't have Docker installed, you may wish to use the non-Docker version; this path is especially recommended for Windows users who do not have Docker installations. However, if you already have Docker installed, we recommend the Docker option because it is simpler and easier to run the Quickstart. Below are instructions on setting up the Quickstart with Docker and non-Docker configurations.

Setting up without Docker

Make sure you have npm installed before following along. If you're using Windows, ensure you have a terminal capable of running basic Unix shell commands.

1. Clone the Quickstart and run the backend

Node

Select Language

• Curl
• Node
• Python
• Ruby
• Java
• Go

Copy

1# Note: If on Windows, run
2# git clone -c core.symlinks=true https://github.com/plaid/quickstart
3# instead to ensure correct symlink behavior
4
5git clone https://github.com/plaid/quickstart.git
6
7# Copy the .env.example file to .env, then fill
8# out PLAID_CLIENT_ID and PLAID_SECRET in .env
9cp .env.example .env
10
11cd quickstart/node
12
13# Install dependencies
14npm install
15
16# Start the backend app
17./start.sh

Open a new shell and start the frontend app. Your app will be running at http://localhost:3000.

2. Run the Quickstart frontend

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1# Install dependencies
2cd quickstart/frontend
3npm install
4
5# Start the frontend app
6npm start
7
8# Go to http://localhost:3000

Visit localhost and log in with Sandbox credentials (typically user_good and pass_good, as indicated at the bottom of the page).

Setting up with Docker

Docker is a software platform that packages software into standardized units called containers that have everything the software needs to run, including libraries, system tools, code, and runtime. If you don't already have Docker, you can download it from the Docker site. Note that Windows users may need to take some additional steps, such installing a Linux environment; if you are using Windows and do not already have a Linux environment installed, we recommend selecting the non-Docker instructions instead.

Once Docker is installed, launch the Docker app, then use the following commands at the command line to configure and run the Quickstart. If the make commands do not work, ensure that Docker is running. You may also need to prefix the make commands with sudo, depending on your environment.

1. Clone and run the Quickstart

Copy

1# Note: If on Windows, run
2# git clone -c core.symlinks=true https://github.com/plaid/quickstart
3# instead to ensure correct symlink behavior
4
5git clone https://github.com/plaid/quickstart.git
6cd quickstart
7
8# Copy the .env.example file to .env, then fill
9# out PLAID_CLIENT_ID and PLAID_SECRET in .env
10cp .env.example .env
11
12# start the container for one of these languages:
13# node, python, java, ruby, or go
14
15make up language=node
16
17# Go to http://localhost:3000

Visit localhost and log in with Sandbox credentials (typically user_good and pass_good, as indicated at the bottom of the page).

View the logs

Copy

1$ make logs language=node

Stop the container

Copy

1$ make stop language=node

Most API requests interact with an Item, which is a Plaid term for a login at a financial institution. A single end-user of your application might have accounts at different financial institutions, which means they would have multiple different Items. An Item is not the same as a financial institution account, although every account will be associated with an Item. For example, if a user has one login at their bank that allows them to access both their checking account and their savings account, a single Item would be associated with both of those accounts.

Now that you have the Quickstart running, you’ll add your first Item in the Sandbox environment. Once you’ve opened the Quickstart app on localhost, click the Launch Link button and select any institution. Use the Sandbox credentials to simulate a successful login.

1username: user_good
2password: pass_good
3If prompted to enter a 2FA code: 1234

Once you have entered your credentials and moved to the next screen, you have created your first Item! You can now make API calls for that Item by using the buttons in the Quickstart. In the next section, we'll explain what actually happened and how the Quickstart works.

As you might have noticed, you use both a server and a client-side component to access the Plaid APIs. The flow looks like this:

The Plaid flow begins when your user wants to connect their bank account to your app.

1Call /link/token/create to create a link_token and pass the temporary token to your app's client.

2Use the link_token to open Link for your user. In the onSuccess callback, Link will provide a temporary public_token.

3Call /item/public_token/exchange to exchange the public_token for a permanent access_token and item_id for the new Item.

4Store the access_token and use it to make product requests for your user's Item.

The first step is to create a new link_token by making a /link/token/create request and passing in the required configurations. This link_token is a short lived, one-time use token that authenticates your app with Plaid Link, our frontend module. Several of the environment variables you configured when launching the Quickstart, such as PLAID_PRODUCTS, are used as parameters for the link_token.

1app.post('/api/create_link_token', async function (request, response) {
2  // Get the client_user_id by searching for the current user
3  const user = await User.find(...);
4  const clientUserId = user.id;
5  const request = {
6    user: {
7      // This should correspond to a unique id for the current user.
8      client_user_id: clientUserId,
9    },
10    client_name: 'Plaid Test App',
11    products: ['auth'],
12    language: 'en',
13    webhook: 'https://webhook.example.com',
14    redirect_uri: 'https://domainname.com/oauth-page.html',
15    country_codes: ['US'],
16  };
17  try {
18    const createTokenResponse = await client.linkTokenCreate(request);
19    response.json(createTokenResponse.data);
20  } catch (error) {
21    // handle error
22  }
23});

Once you have a link_token, you can use it to initialize Link. Link is a drop-in client-side module available for web, iOS, and Android that handles the authentication process. The Quickstart uses Plaid's optional React bindings for an integration that you trigger via your own client-side code. This is what your users use to log into their financial institution accounts.

After a user submits their credentials within Link, Link provides you with a public_token via the onSuccess callback. The code below shows how the Quickstart passes the public_token from client-side code to the server. Both React and vanilla JavaScript examples are shown.

1// APP COMPONENT
2// Upon rendering of App component, make a request to create and
3// obtain a link token to be used in the Link component
4import React, { useEffect, useState } from 'react';
5import { usePlaidLink } from 'react-plaid-link';
6const App = () => {
7  const [linkToken, setLinkToken] = useState(null);
8  const generateToken = async () => {
9    const response = await fetch('/api/create_link_token', {
10      method: 'POST',
11    });
12    const data = await response.json();
13    setLinkToken(data.link_token);
14  };
15  useEffect(() => {
16    generateToken();
17  }, []);
18  return linkToken != null ? <Link linkToken={linkToken} /> : <></>;
19};
20// LINK COMPONENT
21// Use Plaid Link and pass link token and onSuccess function
22// in configuration to initialize Plaid Link
23interface LinkProps {
24  linkToken: string | null;
25}
26const Link: React.FC<LinkProps> = (props: LinkProps) => {
27  const onSuccess = React.useCallback((public_token, metadata) => {
28    // send public_token to server
29    const response = fetch('/api/set_access_token', {
30      method: 'POST',
31      headers: {
32        'Content-Type': 'application/json',
33      },
34      body: JSON.stringify({ public_token }),
35    });
36    // Handle response ...
37  }, []);
38  const config: Parameters<typeof usePlaidLink>[0] = {
39    token: props.linkToken!,
40    onSuccess,
41  };
42  const { open, ready } = usePlaidLink(config);
43  return (
44    <button onClick={() => open()} disabled={!ready}>
45      Link account
46    </button>
47  );
48};
49export default App;

Next, on the server side, the Quickstart calls /item/public_token/exchange to obtain an access_token, as illustrated in the code excerpt below. The access_token uniquely identifies an Item and is a required argument for most Plaid API endpoints. In your own code, you'll need to securely store your access_token in order to make API requests for that Item.

1app.post('/api/exchange_public_token', async function (
2  request,
3  response,
4  next,
5) {
6  const publicToken = request.body.public_token;
7  try {
8    const response = await client.itemPublicTokenExchange({
9      public_token: publicToken,
10    });
11
12    // These values should be saved to a persistent database and
13    // associated with the currently signed-in user
14    const accessToken = response.data.access_token;
15    const itemID = response.data.item_id;
16
17    res.json({ public_token_exchange: 'complete' });
18  } catch (error) {
19    // handle error
20  }
21});

Now that we've gone over the Link flow and token exchange process, we can explore what happens when you press a button in the Quickstart to make an API call. As an example, we'll look at the Quickstart's call to /accounts/get, which retrieves basic information, such as name and balance, about the accounts associated with an Item. The call is fairly straightforward and uses the access_token as a single argument to the Plaid client object.

1app.get('/api/accounts', async function (request, response, next) {
2  try {
3    const accountsResponse = await client.accountsGet({
4      access_token: accessToken,
5    });
6    prettyPrintResponse(accountsResponse);
7    response.json(accountsResponse.data);
8  } catch (error) {
9    prettyPrintResponse(error);
10    return response.json(formatError(error.response));
11  }
12});

Example response data:

1{
2  "accounts": [
3    {
4      "account_id": "A3wenK5EQRfKlnxlBbVXtPw9gyazDWu1EdaZD",
5      "balances": {
6        "available": 100,
7        "current": 110,
8        "iso_currency_code": "USD",
9        "limit": null,
10        "unofficial_currency_code": null
11      },
12      "mask": "0000",
13      "name": "Plaid Checking",
14      "official_name": "Plaid Gold Standard 0% Interest Checking",
15      "subtype": "checking",
16      "type": "depository"
17    },
18    {
19      "account_id": "GPnpQdbD35uKdxndAwmbt6aRXryj4AC1yQqmd",
20      "balances": {
21        "available": 200,
22        "current": 210,
23        "iso_currency_code": "USD",
24        "limit": null,
25        "unofficial_currency_code": null
26      },
27      "mask": "1111",
28      "name": "Plaid Saving",
29      "official_name": "Plaid Silver Standard 0.1% Interest Saving",
30      "subtype": "savings",
31      "type": "depository"
32    },
33    {
34      "account_id": "nVRK5AmnpzFGv6LvpEoRivjk9p7N16F6wnZrX",
35      "balances": {
36        "available": null,
37        "current": 1000,
38        "iso_currency_code": "USD",
39        "limit": null,
40        "unofficial_currency_code": null
41      },
42      "mask": "2222",
43      "name": "Plaid CD",
44      "official_name": "Plaid Bronze Standard 0.2% Interest CD",
45      "subtype": "cd",
46      "type": "depository"
47    }
48    ...
49  ],
50  "item": {
51    "available_products": [
52      "assets",
53      "balance",
54      "identity",
55      "investments",
56      "transactions"
57    ],
58    "billed_products": ["auth"],
59    "consent_expiration_time": null,
60    "error": null,
61    "institution_id": "ins_12",
62    "item_id": "gVM8b7wWA5FEVkjVom3ri7oRXGG4mPIgNNrBy",
63    "webhook": "https://requestb.in"
64  },
65  "request_id": "C3IZlexgvNTSukt"
66}

Congratulations, you have completed the Plaid Quickstart! From here, we invite you to modify the Quickstart code in order to get more practice with the Plaid API. There are a few directions you can go in now:

Go to the docs homepage for links to product-specific documentation.

For more sample apps, including a bare-bones minimal Plaid Quickstart implementation and apps demonstrating real world examples of funds transfer and personal financial management, see sample apps.

Our YouTube playlist Plaid in 3 minutes has brief introductions to many Plaid products. For more detailed tutorial videos, see Plaid Academy.

Looking to move money with a Plaid partner, such as Dwolla? See Move money with our partners for partner-specific money movement Quickstarts.

The Quickstart covers working with web apps. If your Plaid app will be on mobile, see Plaid Link to learn about getting started with mobile client-side setup.