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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

ach

For the US, retrieve account number and routing number to authenticate a checking or savings account

eft

For Canada, retrieve account number, institution number, and branch number to authenticate an account

Retrieve Auth request

                      
                        
      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

Retrieve Auth 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

Retrieve Auth response

                      
                        
      http code 200
      {
        "accounts": [{
          "account_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
          "balances": {
            "available": 100,
            "current": 110,
            "limit": null,
            "iso_currency_code": "USD",
            "unofficial_currency_code": null,
          },
          "mask": "0000",
          "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"
           }]
        },
        "item": {Object},
        "request_id": "m8MDnv9okwxFNBV"
      }
      
                      
                    

ach

For the US, retrieve account number and routing number to authenticate a checking or savings account

eft

For Canada, retrieve account number, institution number, and branch number to authenticate an account

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

Learn more

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

Learn more