Implementation Guide
Pre-Build Checklist
Infrastructure
- Access to the implementation must be restricted to Plaid IP addresses only
- The implementation should have the resources to support potentially very large, periodic request volumes: up to N × 24 requests/day where N is the expected number of connected accounts, requesting transaction periods of typically previous 7 days
- Identify components of your infrastructure that handle authentication. Plaid recommends that you secure the Plaid Exchange API using an OAuth v2.0 authorization server.
Accounts
- Assemble the list of account types the implementation should be expected to support, and map them to the Plaid account types
- Identify data sources for all of the required elements on account and transaction models
Product Support
- Auth: ensure that depository accounts have a valid
transfer_codes
entry for the payment networks available in your region (e.g. the ACH in US) - Auth: ensure that
transfer_codes
correctly indicate institutional support for debit and credit transfers
Implementation Phases
Partners must implement features in order of complexity and depth, according to the following roadmap:
Feature | Phase I | Phase II | Phase III |
---|---|---|---|
Authentication | Implements single-factor authentication. | Implements multifactor authentication. | |
Accounts | Implements basic metadata for all account types. | Implements extended metadata for all account types. | |
Identity | Returns BasicIdentity for account owner relationships. | Returns FullIdentity for account owner relationships. Non-owner relationships are modeled. | |
Transactions | Implements basic metadata for all transaction types. | Implements extended metadata for all transaction types. | |
Notification | Sends new transactions and new account notifications. Sends link and unlink application notifications. | Implements and proactively presents in-app Plaid consent UX. Sends new item notifications. | |
Acquisition | Implements in-app UX permitting users to view and control account links, including referral to Plaid-powered apps. | Implements account opening and funding interface. |