Sandbox test credentials

Use the username user_good and password pass_good.

These provide basic account access to most Plaid products. Certain Plaid products also have specialized credentials that can be used for more advanced testing or for getting more useful and realistic testing data. These specialized credentials can be found below.

Use the username user_transactions_dynamic and any password. For persona-based testing, use user_ewa_user, user_yuppie, or user_small_business.

These credentials have realistic transaction history and may update transactions and fire webhooks when /transactions/refresh is called. For more details, including information on how often new transactions are triggered or how to add your own custom transactions, see Testing Transactions in Sandbox and testing pending and posted transactions.

Use the username user_good and the password microdeposits_good.

For more details, see Institution details for Auth testing.

Plaid provides a variety of pre-populated test users designed for use for Bank Income and other underwriting-related products.

Plaid also provides a GitHub repo designed specifically for testing credit products; look in the income directory for credit-specific users. You can modify these users as you need. For instructions, see Custom users.

For details on testing Bank Income with custom data, see Testing Bank Income.

Monitor and Identity Verification have product-specific Sandbox users that can be used for testing. For more details, see Testing Monitor and Testing Identity Verification.

You can trigger any multi-factor authentication (MFA) flow that Plaid supports when creating an Item by using username user_good and modifying the password.

username: 'user_good'
password: 'mfa_device'

# Code for all devices: 1234
code: 1234

# n-rounds of m-questions per round, where 0 <= i, j < 9
username: 'user_good'
password: 'mfa_questions_<n>_<m>'

# answer_<i>_<j>, for j-th question in i-th round.
answer: 'answer_<i>_<j>'

username: 'user_good'
password: 'mfa_selections'

answer: 'Yes'

# n-rounds of m-questions with o-answers per question
# 0 < n, m < 10 and 2 <= o < 10
username: 'user_good'
password: 'mfa_selections_<n>_<m>_<o>'

# answer_<n>_<m>_0, for m-th question in n-th round.
answer: 'answer_1_1_0'

You may trigger a reCAPTCHA in Plaid Link in the Sandbox environment by customizing the test account password. Possible values are good or bad. A value of good will result in successful Item creation and bad will result in a RECAPTCHA_BAD error to simulate a failed reCAPTCHA. Both values require the reCAPTCHA to be manually solved within Plaid Link.

username: user_good
password: {"recaptcha":"bad"}

You can trigger several ITEM_ERROR or INSTITUTION_ERROR errors that you may encounter when creating an Item by using username user_good and modifying the password.

error_[ERROR_CODE]

For example, the password error_ITEM_LOCKED allows you to simulate an ITEM_LOCKED error.

Note that error testing credentials are not compatible with institutions that use OAuth. If you are not sure whether an institution uses OAuth flows, see the list of Sandbox institutions to find an institution that is guaranteed not to use OAuth.

The list of errors that can be simulated in this way is below:

"COUNTRY_NOT_SUPPORTED"
"INSTITUTION_DOWN"
"INSTITUTION_NOT_RESPONDING"
"INSTITUTION_NO_LONGER_SUPPORTED"
"INSUFFICIENT_CREDENTIALS"
"INTERNAL_SERVER_ERROR"
"INVALID_CREDENTIALS"
"INVALID_MFA"
"INVALID_SEND_METHOD"
"ITEM_LOCKED"
"ITEM_NOT_SUPPORTED"
"MFA_NOT_SUPPORTED"
"NO_ACCOUNTS"
"PAYMENT_INVALID_RECIPIENT"
"USER_INPUT_TIMEOUT"
"USER_SETUP_REQUIRED"

You can test several other OAuth-specific Link errors via the drop-down selector on the First Platypus OAuth screen after selecting any OAuth institution. The list of errors that can be simulated in this way is below:

"INSUFFICIENT_CREDENTIALS"
"ACCESS_NOT_GRANTED"
"NO_AUTH_ACCOUNTS"

See Testing Link Recovery.