Plaid + Partner Integrations Overview

Jump to

• Partners
• Getting Started
• Institution Coverage
• Testing
• Pricing

Plaid and our Integration Partners offer businesses an easier way to send or receive payments and streamline compliance. Plaid enables businesses to instantly authenticate a customer's bank account, confirm account balances or verify a user’s identity. Businesses can then leverage our Partners to scale.

As part of the integration, customers can access Plaid’s full suite of APIs for clean, categorized transaction data, real-time balances, and more.

Partners

For a full list of Partners please refer to our Integrations page. Select Partners and use cases are listed below.  

Payments: Stripe, Dwolla, Galileo, Modern Treasury, Prime Trust, Velox 

Payment Guarantor: Vesta

Lending: Ocrolus

KYC: Interactive Brokers

Getting Started

You need to set up your Plaid account to ensure that it’s enabled for the integration with the Partner. You must be enabled for Plaid Production to access the Partner’s Production environment. For Partner specific information, check out our integration documentation here.

Institution Coverage

The Plaid + Partners integrations can be leveraged for institutions that support Plaid’s Auth, Identity or Balance product.

Use the /institutions/get endpoint to retrieve financial institutions that support Auth's credential-based login, or the /institutions/search endpoint to retrieve the list of products that are supported for a given institution. Specifically, the products field will show the list of available products. If auth is available, then the institution is compatible with the Dwolla integration.

Example /institutions/search response:

{
  "institutions": [
    {
      "credentials": [
        {
          "label": "User ID",
          "name": "username",
          "type": "text"
        },
        {
          "label": "Password",
          "name": "password",
          "type": "password"
        }
      ],
      "has_mfa": true,
      "institution_id": "ins_109509",
      "mfa": [
      "code",
        "list",
        "questions",
        "selections"
      ],
      "name": "First Gingham Credit Union",
      "products": [
        "balance",
        "credit_details",
        "auth",
        "info",
        "numbers",
        "transactions"
      ]
    },
    ...
  ],
  "request_id": "DLVvK"
}

Testing

For Partner specific information, check out our integration documentation here.

Plaid + Stripe Testing

Plaid + Dwolla Testing

Pricing

Using a Plaid Integration Partner combines Plaid's products with our Partner’s products. 

Once you create a processor token for a Plaid Integration Partner, you are billed on the Auth, Balance or Identity endpoints that the Partner calls. You are not charged for the creation of the processor token. Please read our Billing article for more pricing information, or refer to your Services Agreement for specific billing terms.

Once you create a bank token for Stripe, Stripe will charge you directly for the ACH payment. Please refer to Stripe's documentation for more information. 

To learn more about our Partner’s pricing, please contact our Partner’s sales team or your dedicated Plaid account manager.