plaid.com

Track and act on Plaid's dated 2025-2026 API and SDK deprecations

Integrate Plaid Protect Trust Index risk scoring into a new-user onboarding flow

Verify Plaid webhook authenticity using the JWT-based Plaid-Verification header and JWK key rotation, rejecting stale or tampered payloads

Use Plaid's /identity_verification/retry endpoint to reset specific failed steps for a user without creating a duplicate identity verification record

Track a Plaid Identity Verification session's progress using STEP_UPDATED, STATUS_UPDATED, and RETRIED webhook codes

Configure a Plaid Identity Verification template with a Selfie Check step and AML watchlist screening enabled

Enable Plaid Transfer Guarantee to shift ACH return risk off your platform

Verify a wire recipient's bank account ownership before releasing funds at a real estate closing.

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

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

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

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

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

Handle the Plaid SYNC_UPDATES_AVAILABLE webhook to trigger incremental transaction syncs

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

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

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

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

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

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

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

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

Verify account ownership using Plaid Identity and Auth endpoints

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

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