How Plaid works

Explore how we connect banks, consumers, and applications


To deliver the products and services consumers want, applications need to connect with user bank accounts

That’s where Plaid fits in: Our technology connects consumers, their banks, and applications

Plaid builds the technological bridges between financial institutions and third-party applications

We start by building custom integrations with banks to make it possible to gather and verify data

On the other side, third-party applications integrate with the Plaid platform, and drop in our easy-to-use consumer permissioning flow

From there, Plaid can facilitate the secure transfer of data like account and transaction information

We clean and add context to the data, so it’s instantly usable and as high-quality as possible

It all comes together when a user makes the connection

We take care of the technical challenges to deliver the building blocks of the products and services consumers need