{"id":"68c6c8f6-48d8-45e5-910a-4c757ff3fad9","task":"Execute a Plaid Transfer end-to-end from account linking through authorization to fund movement","domain":"docs.plaid.com","steps":["Link the user's bank account using Plaid Link with the transfer product enabled; on successful link, store the access_token and the account_id of the verified account","Create a transfer authorization by calling /transfer/authorization/create with the access_token, account_id, type (debit or credit), network (ach or rtp), amount, and user details; the authorization response includes an authorization ID and an authorization decision","If the authorization decision is approved, immediately create the transfer by calling /transfer/create with the authorization_id; the Plaid Transfer authorization expires in approximately 1 hour — do not delay between authorization and transfer creation","Monitor the transfer status via /transfer/event/sync or webhooks; ACH transfers progress through pending → posted → settled; RTP transfers settle in near real-time","Handle failed or returned transfers by inspecting the failure_reason field; implement retry logic only for soft failures and permanently halt retries for authorization-revoked return codes"],"gotchas":["The authorization window is approximately 1 hour; if your workflow involves user review or approval between authorization and transfer creation, you risk expiry — consider building an authorization refresh mechanism","Plaid Transfer uses risk scoring to produce the authorization decision; an approved decision does not guarantee settlement — the underlying ACH can still return; build return handling regardless of authorization decision","Plaid Transfer credit (pushing money to a user's bank account) requires your Plaid plan to include the credit transfer feature; debit and credit are separately permissioned"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/68c6c8f6-48d8-45e5-910a-4c757ff3fad9"}