Understanding Plaid's Products

Gain insights into Plaid's product suite and find solutions to your questions

General

• What are passkeys and how do I enable them in Plaid Link?
• What should I know about Section 1033?
• How do I add a product to an existing Item?
• Does Plaid support subaccounts?
• Can I obtain Balance and Identity data for Items created using Same Day Micro-deposits?
• Do processor tokens expire?

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Auth

• How do end users experience Plaid Auth?
• How is Plaid Auth billed?
• What is a tokenized account number (TAN)?
• Can I use Auth with money market accounts?

Assets

• How is Plaid Assets billed?

Balance

• How can I obtain account balances using Plaid's API?
• Why is latency for Plaid Balance higher than other endpoints?

Identity

• What data is returned from Plaid Identity?
• How do Identity and Identity Match differ?

Payments (Europe)

• What are Variable Recurring Payments (VRPs)?

Transactions

• What are the possible categories that can be returned by the Plaid Transactions product?
• How can I view the frequency of transaction updates for a particular financial institution?
• What account types are compatible with the Plaid Transactions product?
• Do the /transactions/get endpoint or /transactions/sync endpoints provide real-time data?
• What timezone does the date field return in a /transactions/sync or /transactions/get request?

Transfer

• Who’s who in the ACH Network?
• What are my obligations as an ACH Originator?
• What are the Common ACH Return Codes?
• How are ACH Transfer Investigations Escalated?