Auth
ACH authentication that’s faster, simpler, and more user-friendly
Boost conversions
Deploy a mobile-optimized flow that converts 85% better than alternatives
Speed up authentication
Instantly authenticate transfers—without waiting for micro-deposits
Seamless for users
Set up users based on the info they know by heart—no checkbook hunting necessary
Reduce costs
Reduce failed transactions by authenticating and steer users toward ACH
How it works
Start authenticating ACH transfers with Auth in a few steps
-
Add an Auth user
Seamlessly add users with Plaid Link’s credential-based flow and post Auth requests to the Plaid API
-
Retrieve Auth data
Once a user has been added, the account holder’s info can be retrieved at any time to authorize transactions
{
"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": []
}
}
Want more details about the Auth endpoint?
Case study
Plaid helps Robinhood bring trading to the masses
Robinhood, the popular stock trading app, uses Plaid to authenticate bank accounts before making bank payment transfers to minimize payment failures and overdrafts. By using Plaid’s credential-based login to link to user bank accounts during onboarding, Plaid helps Robinhood get people trading faster.