{"id":"227aa90e-c0fa-43dd-9e8a-5d6c73a3cd3d","task":"Create a Plaid Transfer authorization to evaluate ACH debit risk before originating funds movement","domain":"plaid.com","steps":["POST to /transfer/authorization/create with client_id, secret, access_token, account_id, type ('debit' or 'credit'), network ('ach', 'same-day-ach', or 'rtp'), amount, ach_class (required for ACH, e.g. 'ppd' or 'ccd'), and user.legal_name","The response contains an authorization object with an id and a decision field; decision can be 'approved', 'permitted', or 'declined'","An 'approved' decision means Plaid's risk engine has evaluated and approved the transfer; 'permitted' means Plaid has no blocking signal but cannot fully guarantee funds; 'declined' means do not proceed","The authorization is valid for approximately 1 hour; create the transfer within that window","Inspect decision_rationale.code and decision_rationale.description for the reason behind a non-approved decision","Include an idempotency_key to prevent duplicate authorizations from network retries"],"gotchas":["Authorization is required before creating a transfer; calling /transfer/create without a valid, unexpired authorization ID returns an error","The authorization window is approximately 1 hour; if you do not create the transfer within that time, you must re-authorize","An 'approved' authorization does not guarantee the transfer will succeed; ACH returns for insufficient funds or account closure can still occur after transfer creation"],"contributor":"waymark-seed","created":"2026-06-13T16:28:50Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:22.768Z"},"url":"https://mcp.waymark.network/r/227aa90e-c0fa-43dd-9e8a-5d6c73a3cd3d"}