Plaid Technical Documentation

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Plaid helps companies build financial solutions by making it easy, safe and reliable for people to connect their financial data to apps and services.

How-to Guides

Account

Assets

Auth

Balance

Changelog

Changelog | Plaid Docs

Check

Enrich

Enrich - Introduction to Enrich | Plaid Docs

Errors

Financial-insights

Financial Insights | Plaid Docs

Identity

Identity-verification

Income

Index.html

Home | Plaid Docs

Institutions

Investments

Investments-move

Kyc-aml

KYC/AML and anti-fraud | Plaid Docs

Launch-checklist

Launch checklist | Plaid Docs

Layer

Liabilities

Link

Monitor

Payment-initiation

Payments

Payments and Funding | Plaid Docs

Quickstart

Resources

Sandbox

Signal

Statements

Statements - Introduction to Statements | Plaid Docs

Support

Support - Overview | Plaid Docs

Transactions

Transfer

Underwriting

Credit and Underwriting | Plaid Docs

API Reference

Api

Help Center

Why is a contribution Investments transaction represented as an outflow?: Investments transactions with type : buy and subtype : contribution actually represent two simultaneous transactions: a cash contribution (inflow) and
What are the Monitor webhooks?: Monitor fires two webhook types: SCREENING: STATUS_UPDATED — Fires when the status of an individual screening changes. This can occur: Automatically,
What’s included in the May 2026 updates for Monitor?: Overview: Monitor’s user interface got a refresh to make case management more efficient and reduce clicks for analysts. See relevant cases: Side panel
Do we need to be using Plaid IDV to use Monitor?: No — Monitor can be leveraged as a standalone API, but many customers leverage it with Plaid IDV. It integrates natively with Plaid IDV, allowing you
How do I verify that Ongoing Monitoring is actively running?: To verify whether users are actually being rescanned, you have two options: Dashboard audit trail: Open any individual screening in the Monitor dashbo
How does the case management workflow support dual-control review?: Monitor includes configurable user roles, four-eyes sign-off, automatic manager escalations, and random case assignment. Every disposition decision is
How does Monitor support ongoing monitoring requirements?: You can toggle on Ongoing Monitoring to allow Monitor to rescan your entire user base daily against updated watchlists — meeting regulatory expectatio
What watchlists can Monitor screen against?: Monitor can screen customers against many global databases like OFAC, UN, EU sanctions lists, PEP lists, and more (with daily refresh of data). For th
Credit Dashboard User Guide: This guide walks through all of the core steps related to using Plaid’s Credit Dashboard functionality for everyday use. Initial onboarding The Credit
What is the Plaid Trial plan?: The Plaid Trial plan provides free access to Plaid's production APIs. You can connect real financial accounts, call production endpoints, and build pr
How do I upgrade from the Trial plan to a paid Production plan?: The Trial plan lets you build with real Production data at no cost, with a cap of up to 10 Production Items. When you're ready to scale — whether you'
How to resolve disputes for Transfer payments: Overview When an end customer disputes an ACH debit, their bank may return the transfer and pull funds back from your funding account. ACH disputes wo
Why am I not getting the full transaction history for Credit Karma accounts?: For Credit Karma accounts, only 7 days of transaction history is available at the time the Item is created — Credit Karma does not provide history old
What is a Known Issue?: A Known Issue is a problem Plaid is already aware of. Known Issues are posted in the Plaid Dashboard so you can quickly see if an issue your user is e
How to file a CRA Support Ticket: File a support ticket here, and please include the following: Include one of the following identifiers, as these are the most important for tracing CR
How to file a Signal Support Ticket: File a support ticket here, and please include the following: Include one of the following identifiers, as these are the most important for tracing Si
How to file a Layer Support Ticket: File a support ticket here, and please include the following: Include at least one of the following identifiers: access_token, item_id, request_id Bri
What is the average latency for a Consumer Report, and how do I troubleshoot timeouts?: This article explains how Consumer Report generation latency works, what to expect under normal conditions, and how to avoid common causes of delays a
Why is Identity data required before creating a Consumer Report?: When building with Plaid’s Consumer Report endpoints, it’s crucial to collect identity data about your customer first — before you ever initiate the C
How to troubleshoot Consumer Reports: This guide will help you troubleshoot common issues with Plaid Consumer Reports, including tips on using the USER_CHECK_REPORT_READY and USER_CHECK_RE
Does a ‘high risk’ score for a risk category (e.g. Network Risk) mean the session will fail the Risk check and overall verification?: Not necessarily. Users will fail the Risk check and overall verification when their session doesn’t meet the Risk Rules configured in the session’s te
How can I configure my Risk Rules?: You can configure Risk Rules from the Plaid Dashboard under Template Editor → Rulesets → Risk Rules. From there you can set acceptable risk levels (Lo
How are risk scores categorized?: Plaid analyzes various signals to deliver a score for each risk category (Phone, Email, Network, Device, Behavior, Stolen Identity, Synthetic Identity
What types of fraud and risk checks are available in Plaid IDV?: Plaid takes a defense-in-depth approach when it comes to fraud detection. You can leverage diverse fraud risk signals as needed depending on your risk
How can a selfie check be used to mitigate fraud?: A selfie check can be used as a form of step-up authentication. Plaid analyzes fraud risk of a selfie in a few different ways: Liveness Users can easi
What criteria are considered for a selfie check?: The selfie risk score (the value shown beneath a user's selfie) is separate from all the facial attributes Plaid checks (nose, eyes, etc.) and takes i
What types of documents are accepted?: Customers can check which document types are supported in a specific country from the Plaid Dashboard. Head to the Identity Verification tab, once you
How can I include Documentary Verification as a part of my workflow?: Documentary Verification requires the user to take a photo of an identity document. Users are required to take and upload the document photo in real t
What type of country coverage does Plaid’s Identity Verification have for Documentary Verification?: Through Documentary Verification, you can authenticate 16,000+ valid government-issued identification documents across more than 200 countries and ter
What conditions cause a “Partial Match” for a data attribute?: A "Partial Match" occurs when there are slight variations between the input data and the data in Plaid's external data sources — for example, a typo,
What’s the difference between a “No Match” vs “No Data”?: These are defined in the Plaid docs, and explained here in more detail: NO DATA is returned when Plaid is unable to find an external data source to co
What countries can Plaid Identity Verification verify PII data for?: Plaid helps you perform KYC by verifying a user's name, DOB, address, phone number, and SSN (or country equivalent) against regulated data sources. Da
How long does Plaid store users’ IDV data?: By default, Plaid will store users’ IDV data for the duration of our relationship with the customer. You may redact PII from individual sessions on de
How long does it take for each check to occur in the Identity Verification flow?: All of the automated checks to verify a user’s identity are performed in real time and are completed before the user can move on to the next check. Fo
What’s the difference between Plaid’s Identity and Plaid’s Identity Verification products?: Identity (/identity/get) returns account information that is on file with a user’s financial institution. This information includes account owner, nam
How do I set up SCIM in the Dashboard?: Note: To use SCIM, you must have a Plaid Premium Support Package. To learn more about Plaid Premium Support, contact your Account Manager. The goal of
How to file a Transfer Support Ticket: File a support ticket here, and please include the following: Include either transfer_id or authorization_id as these are the most important for traci
Glossary: Key Transfer Terms: This glossary defines essential terminology used throughout Plaid Transfer operations, including payment rails, roles, statuses, and Plaid-specific fe
Transfer FAQs: Can I change my hold times or transfer limits? Yes. In the Transfer Dashboard, go to Transfer Account Details > Limits and Hold Times, then click Edit
[Reseller Partner] How to file a ticket on behalf of an end customer?: If you're a Reseller Partner, the best way to file a support ticket on behalf of an end customer is through the Reseller Dashboard. Navigate to the Pl
Why can’t I pull Auth data for Wise Virtual Currency (EMoney) accounts?: Wise Virtual Currency (EMoney) accounts don’t include an IBAN by default. Without an IBAN, Plaid can’t retrieve Auth data. To fix this, ask the user t
What do the different Support Ticket statuses indicate?: You can see a list of the Support tickets your team has filed in the Dashboard under Get Help > Support Cases. This is a breakdown of the different st
Who’s who in the ACH Network?: What is ACH? ACH stands for Automated Clearing House. It's a nationwide network that facilitates electronic money transfers between bank accounts in t
How do I test out CRA products in Sandbox?: To test out CRA products, we recommend using the testing account user_bank_income (with the password {} — a literal pair of curly braces). This accoun
Which balances does the CRA Base Report provide?: The CRA Base Report returns an object with information on each account’s balances. Note that for all balance fields, for credit-type accounts, a posit
How do I set up SSO in the Dashboard?: Once a team decides to enable SSO, they should first navigate to the SSO setup page. They can directly navigate to https://dashboard.plaid.com/setting
How do I download my Support tickets?: To download your support tickets from the Plaid Dashboard, you can follow these steps: Log into the Plaid Dashboard: Use your credentials to access yo
Why did an Asset Report return the DATA_QUALITY_CHECK_FAILED error?: Plaid has implemented new Assets data quality checks in response to customers’ feedback collected over the past year. These checks may trigger the DAT
Why is a user unable to use their camera for the Document or Selfie check on Identity Verification?: The first step when camera issues arise on Identity Verification sessions is to confirm with your users if they have granted camera permissions at bot
Why does an Identity Verification session return a 'match' for SSN but 'no match' for other data?: While Plaid matches on multiple PII attributes for a user, SSN or ID number often takes priority in the Identity Verification data source matching log
How can Plaid IDV help detect stolen identity and synthetic identity fraud?: Plaid IDV gives specific risk scores for both stolen identity and synthetic identity risk. By analyzing data such as name, email, phone number, addres
What Data Sources does Identity Verification use?: All of the data used for Identity Verification matching comes from trusted sources such as credit bureaus and financial institutions that have stringe
What are passkeys and how do I enable them in Plaid Link?: A passkey is a digital credential that enables a user to sign in to a website or application using their device's biometrics or PIN (instead of a pass
What Plaid products are supported in each country and region?: 🇺🇸 United States For institution coverage details, see the Bank Coverage Explorer Payments and Money Movement Auth Balance Identity Identity Match T
What should I know about Section 1033?: The status of the Section 1033 rule is currently in flux. Plaid will enforce any 1033 related requirements as necessary when the rule becomes effectiv
Why am I getting USER_SETUP_REQUIRED on a US Bank account?: If you are seeing USER_SETUP_REQUIRED on a US Bank Item, first check the common causes and troubleshooting steps for that error. The most common reaso
Why am I getting a PRODUCTS_NOT_SUPPORTED error when calling /transactions/refresh on Capital One Items?: For Capital One (ins_128026), /transactions/refresh is not supported on Items that include only non-depository accounts (e.g., credit cards), and call
Can you show the cardholder name in account_owner for Capital One?: The transaction field, account_owner, is only populated when the transaction is associated with a sub-account under the main account. (A common exampl
How do duplicate Items work with Chase?: Historically, if a user has a Chase Item on an app and creates another Chase Item on the app using the same credentials, the existing Chase Item will
Why do the account numbers returned for Chase accounts not match the user’s actual account numbers?: To help protect against fraud, Chase sends us "tokenized" (virtual) account and routing numbers in place of the user's true account and routing number
Why are new accounts not showing even though the user selected the "Include new, eligible accounts automatically" option during Chase's OAuth flow?: The “Include new, eligible accounts automatically” option allows Chase to send Plaid new accounts from their API, but it doesn’t add these accounts to
Why am I not getting the full transaction history for Capital One accounts?: For Capital One accounts, only 90 days of transaction history is available. This limit is imposed by Capital One, so increasing transactions.days_requ
Why is the user not seeing their Bank of America business account in Link?: If a user is not seeing a Bank of America business account when connecting through Plaid Link, the most common reason is that they are connecting with
Why is the full transaction history missing for Bank of America accounts?: First, please note that to receive more than 90 days of transaction history, you will need to specify that in the transactions.days_requested paramete
Why do Chime's Credit Builder accounts not return transfer transactions?: The data that we receive from Chime’s API does not return transactions for transfers into Credit Builder accounts, so these specific transactions will
Why are pending transactions missing for USAA?: Currently, USAA's API does not return pending transactions to Plaid, so we're unable to return them through the Transactions product. Transactions for
Are pending transactions returned for Capital One accounts?: The transaction data that Capital One provides does not include pending transactions. As a result, pending transactions will not show in API data for
Why am I getting ACCESS_NOT_GRANTED when making a Capital One Identity request?: Anytime you receive an ACCESS_NOT_GRANTED error, refer to the error reference in our docs for common causes and troubleshooting steps. For Capital One
Are all transactions returned as USD for Capital One accounts?: Capital One reports all transactions as USD, regardless of the source currency of the account. As a result, all Capital One transactions will show as
Does Plaid support connections to J.P. Morgan Private Bank?: Yes, Plaid supports connections to J.P. Morgan Private Bank (https://privatebank.jpmorgan.com/) via our Chase (ins_56) integration.
Why am I receiving R04 returns for ACH transactions with a Chase TAN (Tokenized Account Number)?: These are the primary reasons for R04 returns for ACH transactions with Chase TANs: Mismatched account number and routing number The TAN comprises a s
Why does this Item include only three months of transaction history?: On June 24, 2024, we introduced the transactions.days_requested option for a /link/token/create request, enabling you to tailor the transaction histor
What are Variable Recurring Payments (VRPs)?: A Variable Recurring Payment (VRP) is an Open Banking payment consent that lets a user pre-authorize a series of variable-amount payments to a single
Why are unsupported institutions listed in Plaid Link?: Institutions that are not yet supported by Plaid are included in our Link flow to gauge demand and help prioritize their support. When a user selects
What is an Incident Severity Ticket?: This feature is available for customers with the following Support Package Plans: ✔️ Basic | ✔️ Plus | ✔️ Premium There are two kinds of support ticke
How can I detect when transaction information has been updated?: Sometimes information about a transaction (like the name, date, or amount) can change for many reasons, and detecting these changes can be difficult v
How do I file an Incident Severity Ticket?: This feature is available for customers with the following Support Package Plans: ✔️ Basic | ✔️ Plus | ✔️ Premium Customers may file support tickets v
How do I get help from Plaid?: All Plaid customers can get help through Plaid's self-service resources and Bill, Plaid's AI assistant in the Dashboard. Custom plan customers may hav
How do I stop billing for Plaid products I'm no longer using?: If you are on a Trial plan, you are not billed for Plaid usage — this article applies to paid Production plans only. Note that while the /item/remove
How is Plaid Assets billed?: Plaid's Assets product involves two key billing events: the successful creation of an Asset Report and the retrieval of an Asset Report PDF. Once an A
What institutions does Plaid support?: US and Canada Plaid supports approximately 10,000 institutions in the US. In Canada, over 99% of deposit accounts are covered; this includes all of th
Why does the transaction date returned by Plaid's API differ from the date on my bank statement?: Note: this article is in reference to European institutions only After a transaction has been posted on your banking statement, it will be associated
Why am I receiving a 414 Request-URI Too Large when connecting my Virgin Money Credit Card account?: If you encounter a "414 Request-URI Too Large" error while attempting to link your Virgin Money Credit Card (ins_77) account, it could be due to the t
How can I access the results of Plaid's compliance audits?: Plaid hosts a self-service Security Portal, where you can review important compliance and security information, as well as request access to available
Does Plaid regularly undergo compliance audits, and if so which ones?: Yes, Plaid regularly undergoes several audits, including SOC 2 Type 2, ISO 27001, and ISO 27701. Plaid uses independent third-party assessors to test
Can I use Plaid for free?: For developers, Plaid is free to use in the Sandbox environment, allowing you to discover the product, become familiar with our APIs and endpoints, an
How can I obtain account balances using Plaid's API?: There are multiple approaches to obtain account balance information using Plaid's APIs, and each approach has important differences to keep in mind wh
Why is latency for Plaid Balance higher than other endpoints?: The latency for Plaid's real-time balance endpoints — /accounts/balance/get, and /signal/evaluate when called with a ruleset that includes a balance r
What data is returned from Plaid Identity?: When you call the endpoint for Plaid Identity - /identity/get - it returns information on the account owner - the name, email, phone number, and addre
How do I troubleshoot Plaid data issues?: If your users are reporting issues with the data provided from Plaid but are able to establish a successful connection with their financial institutio
What implementation resources are available?: Plaid provides a number of useful resources to help with the implementation process. For the complete list, see the Resources page in our docs. Here a
How do I troubleshoot Plaid connectivity issues?: If your users are unable to connect to their financial institution through Plaid Link, there are a few steps you can take to assist them with the issu
How do I view logs on the Plaid Dashboard?: You can view Logs on the Plaid Dashboard by following these steps: Log in to your Plaid Dashboard at dashboard.plaid.com. Navigate to the "Developers"
How do I check the status of an Item using the Plaid Dashboard?: To check the status of an Item, you can use the Item Debugger on the Plaid Dashboard. The Item Debugger is a tool that provides detailed information a
How do end users experience Plaid Auth?: Plaid Auth is an easy and secure way for end users to connect their bank accounts to applications. It provides a seamless experience for users to auth
How do I troubleshoot a Plaid error?: Troubleshooting a Plaid error involves several steps. Here are some general steps you can follow: Identify the Error: The first step in troubleshootin
How do I view my enabled Plaid products?: Once you’re enabled for Production, you’ll be able to quickly access your enabled products from the Products section of the Dashboard sidebar. This se
How are Sandbox, Production, Trial plan, and Limited Production different?: Plaid has one environment for development (Sandbox) and one for live use (Production). Trial plan and Limited Production are two ways to access Produc
How do I create or edit a team?: The Plaid Dashboard allows you to create and join multiple teams. Teams can be set up by product or initiative and can be used to manage access. Each
What are the possible categories that can be returned by the Plaid Transactions product?: The full list of possible categorization values returned via the personal_finance_category data field can be found in this taxonomy CSV file. The full
How do I provide troubleshooting identifiers on support tickets?: When you reach out to Plaid Support via the Plaid Dashboard, providing a Plaid identifier related to your question will help Plaid assist you as quick
How can I view the frequency of transaction updates for a particular financial institution?: The Institution Status page in the Plaid Dashboard is the best place to see the distribution of transaction sync frequency and data freshness metrics
What account types are compatible with the Plaid Transactions product?: Our Transactions product provides transaction history for depository accounts (such as checking, savings, and money market), credit accounts (such as
Why do /transactions/sync or /transactions/get and /accounts/balance/get return different balances for an Item?: Differences in balance can occur between /transactions/get or /transactions/sync responses and /accounts/balance/get responses. The reason for this is
Do the /transactions/get and /transactions/sync endpoints provide real-time data?: When you make a request to the /transactions/get or /transactions/sync endpoint, the data returned will be correct relative to the time that Plaid las
What timezone does the date field return in a /transactions/sync or /transactions/get request?: The date field returned by a /transactions/sync or /transactions/get request is the same as the date returned by the financial institution on the end
Why is an Item's balance out of date?: There are a few reasons that you may see out of date balance data: You're reading cached balance and expecting real-time balance - Most Plaid endpoint
Why are certain accounts missing from Auth Item data?: There are a few reasons that a user's account data may not be present for an Auth Item: The user did not select the account - When creating an Item, t
How do I monitor institution health on the Plaid Dashboard?: The Plaid Dashboard contains an Institution Status page, which allows you to enter an institution, and view details and stats about connectivity over
How do custom tags on support tickets work?: To help users categorize and search through Support Tickets on the Plaid Dashboard we've added a tagging feature called Custom Tags. When creating a s
What are Plaid OAuth institutions?: OAuth (Open Authorization) is an industry-standard framework for authorization (not authentication!). It allows end users to grant third parties acces
Why is the owners object empty in an Asset Report?: When generating an Asset Report, we will always make a best effort to pull all of the information we can, including Identity information. However, if
How do I add a product to an existing Item?: The way in which you add a Plaid product to an Item depends on the product you would like to add. Transactions, Investments, Liabilities, Identity, Au
Where do I configure Monitor webhooks?: Monitor webhooks are configured in the Plaid Dashboard — not via the API. Navigate to: Dashboard > Developers > Webhooks Add or update the URL for you
How do I connect a Monitor program to an Identity Verification template?: Before connecting Monitor to an IDV template, you need: Monitor access enabled for your environment (Sandbox or Production). If Monitor is not showing
How do I report on Monitor screening data?: Via Plaid Dashboard Plaid offers a built-in reporting solution for Monitor via the Plaid Dashboard, which allows your organization to download a CSV r
Why do newly added sanctions entries sometimes not trigger a hit right away?: If you screen a user against an OFAC, SDN, EU, or UK sanctions list shortly after that list has been updated and don't see an expected hit, the most l
How do I know if my user is impacted by a Known Issue?: Use the match confidence on the Known Issues, along with the issue type, to understand how likely it is that your user is affected. Match confidence H
What are my obligations as an ACH originator?: As a customer of Plaid using the Transfer product, you are considered to be an ACH Originator. Key responsibilities of being an ACH Originator include
How much does Plaid cost, and what are the pricing models?: If you're on a Trial plan, Plaid is free — Trial plans support up to 10 Production Items. The pricing models below apply to paid Production plans only
How do I add new Plaid products?: If you're on a Trial plan: Your account includes a fixed bundle of 8 products: Auth, Transactions (including Transactions Refresh), Balance, Identity,
How do Identity and Identity Match differ?: You can use both Plaid Identity and Identity Match to return the name and contact information of the end user. However, which product to use depends o
How is Plaid Auth billed?: Plaid's Auth product is billed under the one-time fee pricing model. This means that you will incur charges for the Auth product whenever an Item is i
How do I switch between teams, if I belong to more than one?: To switch between teams on the Plaid Dashboard, follow these steps: Log in to your Plaid Dashboard. At the top-left of your dashboard, click on the cu
Why is an Item returning an ITEM_LOCKED error?: An institution may lock a user out of their account after 3-5 repeated failed attempts at authenticating. This will result in an ITEM_LOCKED error. To
What OAuth institutions does Plaid support?: The OAuth Institutions page in the Plaid Dashboard shows the current list of supported OAuth institutions and your registration status with each one.
What are webhooks?: A webhook is an HTTP request used to provide push notifications. Plaid uses webhooks to programmatically inform you about changes to Plaid Items or th
Does Plaid support subaccounts?: If your bank account or credit card has multiple card holders, each with their own card, Plaid will not return sub-accounts separately via the /accoun
Why are an Item's transactions no longer updating?: If you are not seeing recent transactions on an account, there can be a few different reasons. Below are a few troubleshooting steps you can follow: I
Does a webhook fire when I create a new screening?: No. Monitor does not fire a webhook when a screening is first created via /watchlist_screening/individual/create. The initial screening result is retu
How do I attach a Monitor program to an IDV template in the dashboard?: In the Plaid Dashboard, navigate to Identity Verification > Templates. Open the template you want to configure, or create a new one. In the template e
How do I handle a PEP (Politically Exposed Person) hit in Monitor?: A Politically Exposed Person is an individual who holds or has held a prominent public function — for example, a head of state, senior government offi
What are the different types of possible Known Issues?: There are three types of Known Issues surfaced in the Plaid Dashboard: Connectivity: These Known Issues are linked to a specific institution + error m
What are the common ACH return codes?: The most common return codes are listed below. You can find a list of all return codes in the Nacha Operating Rules. Return codes are essential for id
How do I remove a Plaid product or cancel a request to add?: To remove a Plaid product or cancel a request to add a product, please open a case with our Support Team. If you're on a Custom plan, reach out to you
What is a tokenized account number (TAN)?: A tokenized account number is a secure way to handle sensitive banking information. Instead of using the actual account number, a unique token is gene
What are Plaid's prices and pricing plans, and how do they differ?: Pricing plans Plaid offers a variety of pricing plans to cater to different needs and usage levels. These plans are designed to provide flexibility an
Why is an Item returning an INVALID_CREDENTIALS error?: This error is returned when the credentials provided by the user to Link are invalid. It is also returned when the user's credentials were previously
Why do I need to use webhooks?: A few of the reasons why you might need to use webhooks include: Real-time Updates: Webhooks provide real-time updates about the status of various pro
How do I get access to OAuth institutions?: The path to OAuth institution access depends on which plan you're on. If you're on a Trial plan Trial plan customers have access to most OAuth institu
How do I manage my password and 2FA settings?: To reset your password or manage your 2FA settings: Log in to the Plaid Dashboard. Click your initials in the lower left corner. Select Security. To r
Can I obtain Balance and Identity data for Items created using Same-Day Micro-deposits?: Short answer: No — for Items created via Same-Day Micro-deposits, Plaid cannot return institution-sourced Balance or Identity data, because Plaid neve
Why does an institution return "Connectivity not supported" in Link?: Your users may see a “Connectivity not supported” error message in Link. This occurs when an institution is supported by Plaid but is not supported by
Does a webhook fire when my team manually updates a status in the dashboard?: Yes — if a reviewer changes a screening status via the dashboard or the API, and the new status is different from the prior status, a SCREENING: STATU
My Monitor programs exist but don't appear in the IDV template dropdown — why?: This is a known issue that typically has one of the following causes: Environment mismatch: Monitor programs and IDV templates must be in the same env
How do I know a Known Issue is up to date?: We keep Known Issues current and refresh them throughout the day. As soon as there are verified changes such as new status, workaround, or resolution,
How are ACH transfer investigations escalated?: In the event of a problem with an ACH transfer, you can request that Plaid conduct an investigation. Typical reasons to request an investigation inclu
How can I review my pricing plan and model?: If you are on a Pay-as-you-go or Growth plan, the details of your pricing plan and model are available in the Plaid Dashboard on the Billing & Plans p
How do I implement and test webhooks?: If you do not have a webhook endpoint configured but want to explore the use of webhooks, you can use a tool such as Request Bin to quickly and easily
How do I edit my name or email address for my Plaid Dashboard login?: To edit account information on the dashboard such as your name or email address, please follow the below directions: Log in to the Plaid Dashboard. Cl
Why is a user not receiving an OTP?: In the case where a user is not receiving the OTP from their institution, there are a few options they can try: Confirm the user's phone number listed
Why is my OAuth Registration Status showing as incomplete?: If you're on a Trial plan: Trial plan customers have OAuth access without completing the full registration requirements. If your registration shows as
Can I use Auth with money market accounts?: Plaid’s Auth product supports debitable checking, savings, and cash management accounts. Other types of depository accounts, such as money market acco
Do processor tokens expire?: A processor_token is a token used by a Plaid partner to make API calls on your behalf. Most processor tokens do not expire, however there are three ex
Can Plaid re-push failed or missed webhook events?: No — Plaid does not re-push failed webhook deliveries for Monitor. If your endpoint was unavailable and events were dropped, the affected screenings m
Can I retroactively screen users who completed IDV before Monitor was enabled?: Yes — original IDV sessions cannot be modified retroactively, but you can screen historical users by creating new Monitor screenings for them directly
What do the Known Issue statuses mean?: Each issue has a status that reflects the state of the internal escalation. More information on each status is below: Reported - the issue has been do
When and how often does Plaid bill for product usage?: Plaid bills customers monthly, issuing invoices around the 10th of each month for all billable usage that occurred in the previous month. If you have
What are some steps to improve conversion?: Conversion of Plaid Link is a critical metric that can impact user engagement, data accuracy, business performance, user retention, and revenue. It's
How do I find my OAuth Bank Addendum?: You can access your Bank Addendum by following the below instructions: Log in to the Plaid Dashboard. Navigate to the US OAuth Institutions page (unde
Why has the account_id of an account changed?: After an Item has been created, the related account_id for each account should be static. However, there are some cases where the account_id can chang
How do I terminate my Plaid account or team?: We're very sad to part ways, but if Plaid is no longer the best fit for you, we want to make the process as easy as possible for you. If you are on a
Why is an Item returning an ITEM_LOGIN_REQUIRED error soon after creation?: When an Item that a user has connected encounters an ITEM_LOGIN_REQUIRED error within a few minutes of it being added, it's likely that one of the fol
Do access tokens expire?: An access_token is a token used to make API requests related to a specific Item. Access tokens do not expire, although they may require updating. For
How do Monitor results appear within an IDV session?: When Monitor is enabled on an IDV template, the IDV session dashboard will show a summary of the Monitor screening result. The full screening detail (
Why does a Known Issue have multiple institutions attached to it?: Each Known Issue is tied to a particular internal error in our codebase - Known Issues with multiple institutions typically have the same root cause a
How do I pay my Plaid invoice?: If you are on a Pay-as-you-go or Growth plan, your credit card is automatically billed as soon as your monthly invoice is issued. You can review and u
Why does the historical balance on an Asset Report not match a user's bank statement?: The historical balance found in our Asset Report is calculated by taking the current balance at the time of creating the Asset Report and adding or su
How do I change the billing contact for invoices?: If you are on a Pay-as-you-go or Growth plan, you can update your Billing Contact on the Company Profile page. If you are on a Custom plan or have dow
How can I review my billed usage?: You can keep track of your Plaid usage in real time using Plaid Dashboard Tools. The Usage page provides you with detailed information about your rece

Machine-Readable Data

Plaid API rate limits (JSON): Production and sandbox rate limits for all Plaid API endpoints.