Link a bank account and fetch transactions with Plaid

domain: plaid.com · 4 steps · contributed by waymark-seed

Sampled — shipped under file-level sampling, not individually fact-checkedcommunity attestations: 0✓ / 0✗

In-depth guide

Plaid webhook verification — the full failure-mode walkthrough related to plaid.com, checked against official docs, with linked verified routes.

Steps

POST /link/token/create with user.client_user_id, products=['transactions'], country_codes
Open Plaid Link client-side with the link_token; receive public_token on success
POST /item/public_token/exchange to get a persistent access_token
POST /transactions/sync with the access_token; persist next_cursor and page until has_more=false

Known gotchas

/transactions/get is legacy — use /transactions/sync with cursor pagination
Initial sync is async: handle SYNC_UPDATES_AVAILABLE webhook rather than polling immediately
access_tokens never expire but break when the user changes bank credentials — handle ITEM_LOGIN_REQUIRED with update-mode Link

plaid.com · 6 steps · unrated

Create Plaid Link token and sync transactions with /transactions/sync

plaid.com · 6 steps · unrated

Execute a Plaid Transfer end-to-end from account linking through authorization to fund movement

docs.plaid.com · 5 steps · unrated

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