Know your users

Check the name, phone number, address, and email

Reduce account fraud

Simple identity checks against bank info can help reduce fraud

Make auto-fill easy

Auto-fill forms using account holder info on file with the bank

Easy for users

It takes users less than 12 seconds to link their accounts

How it works

Start validating user identities in a few steps

  1. Add a user

    Seamlessly add users with Plaid Link’s credential-based flow and post Identity requests to the Plaid API

  2. Retrieve Identity data

    Once a user has been added, the account holder’s info can be retrieved at any time

  "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": ""
    "names": [
        "Kelly Walters"
    "phone_numbers": [
        "primary": true,
        "type": "home",
        "data": "4673956022"

Want more details on the Identity endpoint?

options house screenshot

Case study

OptionsHouse is improving online trading with Plaid

In its effort to fight account fraud and verify user identities, OptionsHouse, the online brokerage for stock and options traders, compares the data submitted by users against the bank data sourced by Plaid Identity.

What will you build?

Explore the power of Plaid with a free trial of all our products for up to 100 users