Products - Plaid

Transactions

Access detailed transaction history and balance data

post Transactions/get

post Transactions/get

Why use Transactions?

/transactions delivers a continuous stream of account activity and up to 24 months of history so you can deliver rich insights and experiences to your users.

Access transactions data from thousands of financial institutions
Incorporate enhanced geolocation, merchant, and category information
Stay up-to-date by receiving webhooks for new transactions


                        {
                          "accounts": [
                            {
                              "account_id": "QKKzevvp33HxPWpoqn6rI13BxW4awNSjnw4xv",
                              "balance": {
                                "available": 1203.42,
                                "current": 1274.93,
                                "limit": null
                                },
                              "type": "depository",
                              "mask": "9606",
                              "name": "Personal Savings"
                            }
                          ],
                          "transactions": [
                            {
                              "account_id": "XA96y1wW3xS7wKyEdbRzFkpZov6x1ohxMXwep",
                              "transaction_id": "4WPD9vV5A1cogJwyQ5kVFB3vPEmpXPS3qvjXQ",
                              "pending": false,
                              "amount": 78.5,
                              "date": "2014-06-23",
                              "name": "Golden Crepes",
                              "location": {
                                "location": {
                                 "lat": 40.740352,
                                 "lon": -74.001761,
                                 "state": "NY",
                                 "city": "New York",
                                 "address": "262 W 15th St"
                                }
                              },
                              "transaction_type": "place",
                              "category": [
                                "Food and Drink",
                                "Restaurants"
                              ],
                              "category_id": "52544965"
                            }
                          ]
                        }

See full documentation

Auth

Instantly authenticate bank accounts for ACH and EFT payments

post Auth/get

Why use Auth?

/auth makes it easy to set up ACH transfers. Once a user links their account via their banking credentials, Plaid retrieves their account and routing numbers. ACH payments can be set up in moments—no micro-deposits required.

Improve throughput on ACH transactions
Simple, mobile-optimized flow
Reduce overdrafts and NSF fees


                        {
                          "accounts": [
                            {
                              "account_id": "mjj9jp92z2fD1mLlpQYZI1gAd4q4LwTKmBNLz",
                              "balances": {
                                  "available": 1203.42,
                                  "current": 1274.93,
                                  "limit": null
                              },
                              "mask": "9606",
                              "name": "Plaid Checking",
                              "official_name": "Plaid Gold Checking",
                              "subtype": "checking",
                              "type": "depository"
                            }
                          ],
                          "numbers": {
                            "ach": [{
                              "account": "9900009606",
                              "account_id": "mjj9jp92z2fD1mLlpQYZI1gAd4q4LwTKmBNLz",
                              "routing": "021000021",
                              "wire_routing": "021000021"     
                            }],
                            "eft": []
                          }
                        }

See full documentation

Identity

Verify users’ identities and reduce fraud

post Identity/get

Why use Identity

/identity enables you to verify user identities against what’s on file at the bank.

Collect names, phone numbers, addresses, and emails for each account
Personalize forms with account holder information when users link their bank accounts


                        {
                          "identity": {
                            "addresses": [
                              {
                                "accounts": [
                                  "Plaid Checking 0000",
                                ],
                                "data": {
                                  "zip": "94114",
                                  "state": "CA",
                                  "city": "San Francisco",
                                  "street": "3819 Greenhaven Ln"
                                },
                                "primary": true
                              }
                            ],
                            "emails": [
                              {
                                "primary": true,
                                "type": "personal",
                                "data": "kelly.walters30@example.com"
                              }
                            ],
                            "names": [
                              "Kelly Walters"
                            ],
                            "phone_numbers": [
                              {
                                "primary": true,
                                "type": "home",
                                "data": "4673956022"
                              }
                            ]
                          }
                        }

See full documentation

Balance

Verify real-time account balances

post Balance/get

Why use Balance?

/balance returns the amount of funds in an account in real-time

Reduce overdrafts and NSF fees
Enable account pre-funding


                        {
                          "accounts": [
                            {
                              "account_id": "QKKzevvp33HxPWpoqn6rI13BxW4awNSj",
                              "balance": {
                                "available": 1203.42,
                                "current": 1274.93,
                                "limit": null
                              },
                              "name": "Plaid Checking",
                              "official_name": "Plaid Gold Checking",
                              "type": "depository",
                              "subtype": "checking",
                              "mask": "9606"
                            }
                          ]
                        }

See full documentation

Assets

Verify borrowers’ assets straight from the source

post asset_report/get asset_report/pdf/get

Why use Assets?

/asset_report streamlines the borrower experience and drive efficiencies through digital asset verification. Retrieve a consolidated Asset Report showing account balances, historical transactions and account holder identity information.

Integrate Plaid directly into your digital loan application
Save time by eliminating statement uploads and excluding unnecessary accounts
Mitigate risks by getting bank data in a downloadable PDF report


                        {
                          "report": {
                            "asset_report_id": "c5b638f9-02b8-45c6-9093-552195149b0c",
                            "client_report_id": "123456",
                            "date_generated": "2018-04-12T03:32:11Z",
                            "days_requested": 730,
                            "items": [
                              {
                                "accounts": [
                                  {
                                    "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                                    "balances": {
                                      "available": 100,
                                      "current": 110
                                    },
                                    "days_available": 730,
                                    "historical_balances": [
                                      {
                                        "current": 110,
                                        "date": "2018-04-12"
                                      },
                                      {
                                        "current": 110,
                                        "date": "2018-04-11"
                                      },
                                      {
                                        "current": 110,
                                        "date": "2018-04-10"
                                      },
                                      ...
                                    ],
                                    "mask": "0000",
                                    "name": "Plaid Checking",
                                    "official_name": "Plaid Gold Standard 0% Interest Checking",
                                    "owners": [
                                      {
                                        "addresses": [
                                          {
                                            "data": {
                                              "city": "Malakoff",
                                              "state": "NY",
                                              "street": "2992 Cameron Road",
                                              "zip": "14236"
                                            },
                                            "primary": true
                                          },
                                          {
                                            "data": {
                                              "city": "San Matias",
                                              "state": "CA",
                                              "street": "2493 Leisure Lane",
                                              "zip": "93405-2255"
                                            },
                                            "primary": false
                                          }
                                        ],
                                        "emails": [
                                          {
                                            "data": "accountholder0@example.com",
                                            "primary": true,
                                            "type": "primary"
                                          },
                                          {
                                            "data": "accountholder1@example.com",
                                            "primary": false,
                                            "type": "secondary"
                                          },
                                          {
                                            "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                                            "primary": false,
                                            "type": "other"
                                          }
                                        ],
                                        "names": [
                                          "Alberta Bobbeth Charleson"
                                        ],
                                        "phone_numbers": [
                                          {
                                            "data": "1112223333",
                                            "primary": false,
                                            "type": "home"
                                          },
                                          {
                                            "data": "1112224444",
                                            "primary": false,
                                            "type": "work"
                                          },
                                          {
                                            "data": "1112225555",
                                            "primary": false,
                                            "type": "mobile1"
                                          }
                                        ]
                                      }
                                    ],
                                    "subtype": "checking",
                                    "transactions": [
                                      ...
                                      {
                                        "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                                        "amount": -500,
                                        "date": "2018-03-25",
                                        "original_description": "United Airlines **** REFUND ****",
                                        "pending": false,
                                        "transaction_id": "wPkQknvpz9HV8bPK465rC6GnyrnlrXCMr9vgm"
                                      },
                                      {
                                        "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                                        "amount": 5.4,
                                        "date": "2018-03-27",
                                        "original_description": "Uber 063015 SF**POOL**",
                                        "pending": false,
                                        "transaction_id": "GM4K4LJqGBu5g8yqjkQJuVnry6rz6zh8Qwkv9"
                                      },
                                      {
                                        "account_id": "jW4r4QvdeXcAZNj8J3Dni68DqxQ3laHZwGyBD",
                                        "amount": 6.33,
                                        "date": "2018-04-09",
                                        "original_description": "Uber 072515 SF**POOL**",
                                        "pending": false,
                                        "transaction_id": "DekykZJWrjf5g7kjRaLvceLZb4avg5CVBDGz5x"
                                      }
                                    ],
                                    "type": "depository"
                                  },
                                  {
                                    "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                                    "balances": {
                                      "available": 200,
                                      "current": 210
                                    },
                                    "days_available": 730,
                                    "historical_balances": [
                                      {
                                        "current": 210,
                                        "date": "2018-04-12"
                                      },
                                      {
                                        "current": 210,
                                        "date": "2018-04-11"
                                      },
                                      {
                                        "current": 210,
                                        "date": "2018-04-10"
                                      },
                                      ...
                                    ],
                                    "mask": "1111",
                                    "name": "Plaid Saving",
                                    "official_name": "Plaid Silver Standard 0.1% Interest Saving",
                                    "owners": [
                                      {
                                        "addresses": [
                                          {
                                            "data": {
                                              "city": "Malakoff",
                                              "state": "NY",
                                              "street": "2992 Cameron Road",
                                              "zip": "14236"
                                            },
                                            "primary": true
                                          },
                                          {
                                            "data": {
                                              "city": "San Matias",
                                              "state": "CA",
                                              "street": "2493 Leisure Lane",
                                              "zip": "93405-2255"
                                            },
                                            "primary": false
                                          }
                                        ],
                                        "emails": [
                                          {
                                            "data": "accountholder0@example.com",
                                            "primary": true,
                                            "type": "primary"
                                          },
                                          {
                                            "data": "accountholder1@example.com",
                                            "primary": false,
                                            "type": "secondary"
                                          },
                                          {
                                            "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                                            "primary": false,
                                            "type": "other"
                                          }
                                        ],
                                        "names": [
                                          "Alberta Bobbeth Charleson"
                                        ],
                                        "phone_numbers": [
                                          {
                                            "data": "1112223333",
                                            "primary": false,
                                            "type": "home"
                                          },
                                          {
                                            "data": "1112224444",
                                            "primary": false,
                                            "type": "work"
                                          },
                                          {
                                            "data": "1112225555",
                                            "primary": false,
                                            "type": "mobile1"
                                          }
                                        ]
                                      }
                                    ],
                                    "subtype": "savings",
                                    "transactions": [
                                      ...
                                      {
                                        "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                                        "amount": 25,
                                        "date": "2018-02-25",
                                        "original_description": "CREDIT CARD 3333 PAYMENT *//",
                                        "pending": false,
                                        "transaction_id": "LkexeEJ3Ryf5Vw3evRMMIXlLjkRkawIdzm6Ak"
                                      },
                                      {
                                        "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                                        "amount": -4.22,
                                        "date": "2018-03-22",
                                        "original_description": "INTRST PYMNT",
                                        "pending": false,
                                        "transaction_id": "y7EJEmwgazsjJDVdMZ3QSQBKpaKnQzSjElP71M"
                                      },
                                      {
                                        "account_id": "V3EkERBQXGF5z6Jb9NDkupNeoy1b81cjpWVDe",
                                        "amount": 25,
                                        "date": "2018-03-27",
                                        "original_description": "CREDIT CARD 3333 PAYMENT *//",
                                        "pending": false,
                                        "transaction_id": "dLz7z41KlaSWLbmJqpxXiaqPgJPbn5IgMwymJ"
                                      }
                                    ],
                                    "type": "depository"
                                  },
                                  {
                                    "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                                    "balances": {
                                      "available": null,
                                      "current": 5000
                                    },
                                    "days_available": 730,
                                    "historical_balances": [
                                      {
                                        "current": 5000,
                                        "date": "2018-04-12"
                                      },
                                      {
                                        "current": 1000,
                                        "date": "2018-04-11"
                                      },
                                      {
                                        "current": 1000,
                                        "date": "2018-04-10"
                                      },
                                      ...
                                    ],
                                    "mask": "2222",
                                    "name": "Plaid CD",
                                    "official_name": "Plaid Bronze Standard 0.2% Interest CD",
                                    "owners": [
                                      {
                                        "addresses": [
                                          {
                                            "data": {
                                              "city": "Malakoff",
                                              "state": "NY",
                                              "street": "2992 Cameron Road",
                                              "zip": "14236"
                                            },
                                            "primary": true
                                          },
                                          {
                                            "data": {
                                              "city": "San Matias",
                                              "state": "CA",
                                              "street": "2493 Leisure Lane",
                                              "zip": "93405-2255"
                                            },
                                            "primary": false
                                          }
                                        ],
                                        "emails": [
                                          {
                                            "data": "accountholder0@example.com",
                                            "primary": true,
                                            "type": "primary"
                                          },
                                          {
                                            "data": "accountholder1@example.com",
                                            "primary": false,
                                            "type": "secondary"
                                          },
                                          {
                                            "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
                                            "primary": false,
                                            "type": "other"
                                          }
                                        ],
                                        "names": [
                                          "Alberta Bobbeth Charleson"
                                        ],
                                        "phone_numbers": [
                                          {
                                            "data": "1112223333",
                                            "primary": false,
                                            "type": "home"
                                          },
                                          {
                                            "data": "1112224444",
                                            "primary": false,
                                            "type": "work"
                                          },
                                          {
                                            "data": "1112225555",
                                            "primary": false,
                                            "type": "mobile1"
                                          }
                                        ]
                                      }
                                    ],
                                    "subtype": "cd",
                                    "transactions": [
                                      ...
                                      {
                                        "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                                        "amount": 1000,
                                        "date": "2018-01-25",
                                        "original_description": "CD DEPOSIT .INITIAL.",
                                        "pending": false,
                                        "transaction_id": "M8QdQWJx1GS51ZymxjNNILQ7GwjwG1I3qr3RwX"
                                      },
                                      {
                                        "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                                        "amount": 1000,
                                        "date": "2018-02-24",
                                        "original_description": "CD DEPOSIT .INITIAL.",
                                        "pending": false,
                                        "transaction_id": "q3Z4ZgvempFnljLVzqxxhPQ3we7eW9sdJy5jP"
                                      },
                                      {
                                        "account_id": "4RWyWq143jIEm7BaqJNKCQyG9Ndnv5iJaENyV",
                                        "amount": 1000,
                                        "date": "2018-03-26",
                                        "original_description": "CD DEPOSIT .INITIAL.",
                                        "pending": false,
                                        "transaction_id": "aZqNqxQAEyHvboB8jazrsbPWNwW6WxU8zRj5kw"
                                      }
                                    ],
                                    "type": "depository"
                                  }
                                ],
                                "date_last_updated": "2018-04-12T03:32:10Z",
                                "institution_id": "ins_109511",
                                "institution_name": "Tartan Bank",
                                "item_id": "zeWoWyv84xfkGg1w4ox5iQy5k6j75xu8QXMEm"
                              }
                            ],
                            "user": {
                              "client_user_id": "123456789",
                              "email": "accountholder0@example.com",
                              "first_name": "Alberta",
                              "last_name": "Charleson",
                              "middle_name": "Bobbeth",
                              "phone_number": "111-222-3333",
                              "ssn": "123-45-6789"
                            }
                          },
                          "request_id": "pdwYD",
                          "warnings": []
                        }

See full documentation

Income

Understand income and verify employment

post income/get

Why use Income

/income analyzes bank deposits to validate your users’ income and employer information more accurately, eliminating manual paystubs uploads.

View historical income and projected annual income for the current year
Validate employment with associated employer information for income streams


                        {
                          "income": {
                            "income_streams": [
                              {
                                "confidence": 1,
                                "days": 518,
                                "monthly_income": 1601,
                                "name": "PLAID"
                              },
                              {
                                "confidence": 0.95,
                                "days": 415,
                                "monthly_income": 1530,
                                "name": "BAGUETTES INC"
                              }
                            ],
                            "last_year_income": 28072,
                            "last_year_income_before_tax": 38681,
                            "projected_yearly_income": 19444,
                            "projected_yearly_income_before_tax": 26291,
                            "max_number_of_overlapping_income_streams": 2,
                            "number_of_income_streams": 2
                          }
                        }

See full documentation

Our products

Our suite of APIs enables developers to easily build great financial products.

Transactions

Why use Transactions?

Auth

Why use Auth?

Identity

Why use Identity

Balance

Why use Balance?

Assets

Why use Assets?

Income

Why use Income