Plaid offers six products: Auth, Transactions, Identity, Balance, Income and Assets. Each product returns data that can be used to deliver high-quality experiences to end users.
- Auth | ACH authentication (account and routing numbers)
- Transactions | Contextualized account and transaction data
- Identity | Name, phone number, email, and physical address
- Balance | Real-time balance checks
- Income | Income validation
- Assets | Asset validation
All of our products can be accessed through a single integration, enabling you to build customized solutions that suit your business needs. You can find additional detail about all products in our documentation. If you require further information, please reach out through our contact page.
We support each of our products across thousands of financial institutions. A full list of supported institutions is available via the API. Please also feel free to reach out through our contact page for more details.
The Transactions endpoint returns data elements including current and available balance, name of the user’s bank account, transaction pending status, geo-coordinates of transaction location, transaction categorization, and a statistical confidence score for category and location. If there’s something else you’d like to see, we’d love to hear from you. Share your feedback and get answers to any additional questions you have about our products and your data needs by contacting our team.
Plaid pulls transaction data up to several times times per day. When new data is ready, we can notify you via webhooks.
Your first live accounts are free in the development environment, and there is no limit on the number of Sandbox
items that you may generate.You can learn more about our production plans on our pricing page. Reach out to us to receive details for all products in production. Looking forward to learning about what you’re building!
Yes! You can create an account on our site to gain immediate access to the platform and a live set of API keys, and you’re able to add your first 100 live accounts for free in the development environment.
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No, we don't process transactions (which actually sends money between accounts). Instead, our Auth product instantly authenticates accounts for ACH—eliminating the need for users to enter account and routing numbers or deal with micro-deposits. Plaid authenticates accounts using online banking credentials, making it possible to begin transferring money immediately. You can read more on our site. We're processor agnostic, so you can use any provider you like, but we've also partnered with Stripe to tokenize the whole process.
Plaid supports both U.S. and Canadian institutions today. If you are interested in other countries and regions, please reach out through our contact page for more details on our roadmap.
Plaid Link is the quick and secure way to integrate with the Plaid API. Link is a drop-in module that handles credential validation, multi-factor authentication, and error handling for each institution that we support – all while keeping credentials from ever hitting your server. Head over to the Link documentation to get started.
We take security seriously. You can learn more about our security practices on our security page, but in short, we tokenize and encrypt sensitive data and advocate for the broader use of these protocols throughout the industry. We have passed a SOC 2 audit and regularly undergo compliance and pen testing.
Our name rhymes with glad! If you have additional questions, please reach out to our team from this contact page and we'll respond shortly.