plaid.com

Create a Plaid Link token to initialize the Link flow for account linking

Exchange a Plaid public token for an access token via /item/public_token/exchange

Fetch account and routing numbers from a Plaid-linked institution using /auth/get

Sync Plaid transactions incrementally using /transactions/sync and cursor-based pagination

Retrieve real-time account balances via Plaid /accounts/balance/get and understand latency tradeoffs

Create a Plaid Transfer authorization to evaluate ACH debit risk before originating funds movement

Create a Plaid Transfer after a successful authorization to originate ACH funds movement

Handle the Plaid SYNC_UPDATES_AVAILABLE webhook to trigger incremental transaction syncs

Create a Plaid processor token for use with Stripe via /processor/stripe/bank_account_token/create

Verify consumer income and employment using Plaid Document Income (pay stub and W-2 parsing)

Retrieve a Plaid CRA (Consumer Reporting Agency) Base Report and handle FCRA adverse action requirements

Use Plaid Signal to score ACH debit risk and implement score-based decisioning tiers

Implement Plaid Transactions sync using the cursor-based /transactions/sync endpoint and handle pagination and webhook-driven refreshes

Implement Plaid Enrich to categorize transactions with PFC v2 taxonomy and apply merchant normalization

Verify borrower employment and income for a mortgage application using the Plaid Income API

Enrich transactions with Plaid Enrich using personal finance category v2

Fetch and apply the Plaid personal finance category (PFC) v2 taxonomy CSV for transaction category mapping

Implement Plaid Signal to evaluate ACH debit risk before originating a transfer

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

Authorize and create a Plaid Transfer (authorization window ~1 hour)

Verify account ownership using Plaid Identity and Auth endpoints

Initiate a pay-by-bank payment via Plaid Payment Initiation (open banking)

Link a bank account and fetch transactions with Plaid

Handle Plaid webhook verification