Auth API - instant bank account verification | Plaid

product features

Instantly authenticate accounts

Retrieve account and routing numbers when users connect their checking or savings accounts using bank credentials

Connect accounts from any US bank

Set up ACH transfers from any bank or credit union in the US

Set up frictionless payments

Plaid works with any ACH processor, including Stripe and Dwolla

Make an Auth request

Use the Auth endpoint to submit a POST request

US

Retrieve account number and routing number to authenticate a checking or savings account for ACH payments

Canada

Retrieve account number, institution number, and branch number to authenticate an account for EFT payments

UK

Retrieve account number and sort code to enable seamless debit withdrawals using Faster Payments

 
curl -X POST https://sandbox.plaid.com/auth/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Run

Make an Auth request

Use the Auth endpoint to submit a POST request


curl -X POST https://sandbox.plaid.com/auth/get \
-H 'Content-Type: application/json' \
-d '{
  "client_id": String,
  "secret": String,
  "access_token": String
}'

Instant account authentication

Once a user connects their account using bank credentials, the /auth/get endpoint enables you to retrieve the bank account and routing numbers, along with high-level account data and balances when available

http code 200
{
  "accounts": [{
    "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
    "balances": {
      "available": 100,
      "current": 110,
      "limit": null,
      "iso_currency_code": "USD",
      "unofficial_currency_code": null,
    },
    "mask": "9606",
    "name": "Plaid Checking",
    "official_name": "Plaid Gold Checking",
    "subtype": "checking",
    "type": "depository"
  }],
  "numbers": {
    "ach": [{
      "account": "9900009606",
      "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
      "routing": "011401533",
      "wire_routing": "021000021"
    }],
    "eft":[{
      "account": "111122223333",
      "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
      "institution": "021",
      "branch": "01140"
    }],
    "bacs":[{
      "account": "31926819",
      "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
      "sort_code": "601613"
    }]
  }
  "item": {Object},
  "request_id": "m8MDnv9okwxFNBV"
}

US

Retrieve account number and routing number to authenticate a checking or savings account for ACH payments

Canada

Retrieve account number, institution number, and branch number to authenticate an account for EFT payments

UK

Retrieve account number and sort code to enable seamless debit withdrawals using Faster Payments

Set up frictionless payments

Plaid works with any ACH processor, including Stripe and Dwolla

Instantly authenticate your customers’ bank accounts for use with Stripe’s ACH API

Instantly authenticate your customers’ bank accounts for use with Dwolla’s ACH API

Faster, more secure onboarding

We now see less customer complaints, and more customer feedback on how smooth and efficient our process is

Mark Moroz, Director of Deposits at Live Oak Bank

View case study

View case study

Plaid enabled Shift to offer a fully integrated online purchasing experience. The financial aspects of the process are much more seamless

Jason Wu, Software Engineer at Shift

View case study

60%

60% increase in on-the-spot buyer conversions for non-financing customers, one month after implementation

View case study

Plaid provided us the most comprehensive market solution at a price point that was affordable to us

Samir Goel, Co-founder of Esusu

View case study

35%

35% reduction in user attrition
since implementing Plaid

View case study