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Product Features
Improve UX/conversion
Improve UX/conversion

Improve your user experience and conversion with Plaid’s range of SDKs and integration options, and by removing drop-off from manual bank transfers

Reduce costs
Reduce costs

Reduce hefty costs from cards and acquirers with fixed-fee Open Banking payments

Fight fraud
Fight fraud

Users authenticate directly with their bank via secure Open Banking integrations, eliminating card and direct debit chargebacks

Offer flexible payment types
Offer flexible payment types

Enable users to initiate one-time top ups, or schedule standing orders for recurring deposits (e.g., after they receive their paycheck)

Instant payments
Instant payments

Leverage U.K. Faster Payments rails for instant payments that settle to your account in seconds

Verify payment status
Verify payment status

Plaid’s settlement infrastructure makes reconciliation simple

Plaid offers the most advanced payments experience

By creating your payments journey with us, your customers have an easy, reliable experience. We lead them through a simple process, then they see their payment go through right away. They can trust you from their very first payment.

Plaid Link

Plaid Link is the fastest way to get started, is optimised for conversion, and used by thousands of users every day. It’s constantly updated, so you get the benefits of the full Plaid platform in your UX.

Modular Link

With Modular Link, customers can customise elements of account connection flow by selecting from our prebuilt modules and SDKs. For customers with a PISP license, we also offer a whitelabeled option for full user-interface control.

Create payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "request_id": "4ciYVmesrySiUAB"
  }
  

Retrieve payment request data

The /payment/create endpoint allows you to create a payment initiation request

payment_id

The backend identifier of the payment request and can be used to retrieve metadata for the payment request

status

Describes whether the payment has been initiated, needs user input, or has been verified

Retrieve payment request data

The /payment/create endpoint allows you to create a payment initiation request

Create payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "request_id": "4ciYVmesrySiUAB"
  }
  

payment_id

The backend identifier of the payment request and can be used to retrieve metadata for the payment request

status

Describes whether the payment has been initiated, needs user input, or has been verified

Retrieve payment status data

The /payment/get endpoint allows you to retrieve the status of a payment and returns details such as the amount and recipient_id

amount

Settled value in specified currency

last_status_update

The last time that the payment status was updated

recipient_id

The unique identifier of the payment recipient, returned by the /payment_initiation/recipient/create endpoint

status

Describes whether the payment has been initiated, needs user input, or has been verified

Get payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "payment_token": "payment-token-sandbox-c6a26505-42b4-46fe-8ecf-bf9edcafbebb",
    "reference": "Account Funding 99744",
    "amount": {
      "currency": "GBP",
      "value": 100.00
    },
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "last_status_update": "2019-11-06T21:10:52Z",
    "payment_expiration_time": "2019-11-06T21:25:52Z",
    "recipient_id": "recipient-id-sandbox-9b6b4679-914b-445b-9450-efbdb80296f6",
    "request_id": "aEAQmewMzlVa1k6"
  }
  

Retrieve payment status data

The /payment/get endpoint allows you to retrieve the status of a payment and returns details such as the amount and recipient_id

Get payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "payment_token": "payment-token-sandbox-c6a26505-42b4-46fe-8ecf-bf9edcafbebb",
    "reference": "Account Funding 99744",
    "amount": {
      "currency": "GBP",
      "value": 100.00
    },
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "last_status_update": "2019-11-06T21:10:52Z",
    "payment_expiration_time": "2019-11-06T21:25:52Z",
    "recipient_id": "recipient-id-sandbox-9b6b4679-914b-445b-9450-efbdb80296f6",
    "request_id": "aEAQmewMzlVa1k6"
  }
  

amount

Settled value in specified currency

last_status_update

The last time that the payment status was updated

recipient_id

The unique identifier of the payment recipient, returned by the /payment_initiation/recipient/create endpoint

status

Describes whether the payment has been initiated, needs user input, or has been verified