Plaid

Retrieve all financial accounts (checking, savings, credit, loan, investment) linked to an Item via POST /accounts/get

Fetch real-time balance data directly from the financial institution for all or specific accounts via POST /accounts/bal…

Create an Asset Report for the linked Item, providing a point-in-time snapshot of account balances, transactions, and id…

Retrieve a completed Asset Report containing account balances, transaction history, and identity data via POST /asset_re…

Download a completed Asset Report as a formatted PDF document (binary response, application/pdf) for sharing with lender…

Create a refreshed copy of an existing Asset Report with updated data from the financial institutions via POST /asset_re…

Create a filtered copy of an Asset Report with specified accounts excluded via POST /asset_report/filter

Permanently delete an Asset Report and invalidate its token via POST /asset_report/remove

Retrieve bank account numbers and routing numbers needed to initiate ACH, EFT, BACS, and wire transfers via POST /auth/g…

Enrich your own (non-Plaid-sourced) transactions with merchant info, categorization, and counterparty data via POST /tra…

Retrieve personal identity information (name, email, phone, address) for account holders directly from the financial ins…

Retrieve completed Bank Income reports (income streams identified from bank deposits) for a user via POST /credit/bank_i…

Download a Bank Income report as a formatted PDF document for sharing with lenders via POST /credit/bank_income/pdf/get

List the user’s Income / Consumer-Report Link sessions and their final statuses via POST /credit/sessions/get

Retrieve a paginated list of all Plaid-supported financial institutions with filtering by country, products, and routing…

Retrieve detailed metadata for a single financial institution by its Plaid institution_id via POST /institutions/get_by_…

Search Plaid’s institution directory by name or query string with optional product and country filters via POST /institu…

Retrieve current investment portfolio holdings including stocks, bonds, mutual funds, and ETFs for linked brokerage and…

Retrieve investment transactions (buys, sells, dividends, fees, transfers) within a specified date range for linked brok…

Retrieve metadata and health status for a linked financial institution Item via POST /item/get

Permanently remove a linked Item, invalidating its access_token and ending all associated billing via POST /item/remove

Update or set the webhook URL for receiving real-time event notifications for an Item via POST /item/webhook/update

Retrieve detailed liabilities data for credit cards, student loans, and mortgages associated with an Item via POST /liab…

Create a link_token to initialize Plaid Link, the client-side UI component for bank account connection, via POST /link/t…

Retrieve metadata and configuration details for a previously created link_token via POST /link/token/get

Score the ACH return risk of a proposed debit transaction and apply Dashboard rulesets via POST /signal/evaluate

Pre-warm Plaid’s risk model for an Item so the next /signal/evaluate completes faster via POST /signal/prepare

Report whether you proceeded with or blocked the ACH debit after a Signal score, used to refine Plaid’s model via POST /…

Report a returned ACH transaction back to Plaid with the return code so its risk model can learn via POST /signal/return…

Retrieve a list of available bank statements for all accounts linked to an Item via POST /statements/list

Download a single bank statement PDF by its statement ID via POST /statements/download

Trigger on-demand extraction of bank statements for a specified date range via POST /statements/refresh

Get incremental transaction updates using Plaid’s recommended cursor-based sync approach, returning added, modified, and…

Fetch historical transaction data within a specified date range with pagination and optional enrichment fields via POST…

Fetch Plaid-detected recurring transaction patterns (subscriptions, income deposits, bills) for accounts associated with…

Trigger an on-demand refresh of transaction data for an Item, bypassing the normal automatic update schedule, via POST /…

Authorize a money movement before creating a transfer, returning a Plaid risk decision (approved, declined, user_action_…

Initiate a money movement using a previously-approved authorization, returning the transfer_id and initial status (pendi…

Retrieve the current state and metadata of a single transfer by transfer_id via POST /transfer/get

List transfers with optional filters by date range, account, status, or originator via POST /transfer/list

Cancel a transfer that has not yet posted to the bank network via POST /transfer/cancel

Cancel an unused transfer authorization before it expires via POST /transfer/authorization/cancel

List historical lifecycle events across transfers with date and status filters via POST /transfer/event/list

Incrementally pull transfer lifecycle events using a monotonically-increasing event_id cursor via POST /transfer/event/s…

Refund some or all of a posted/settled transfer back to the user’s bank via POST /transfer/refund/create

Retrieve refund details and current status by refund_id via POST /transfer/refund/get

Cancel a pending refund before it posts to the network via POST /transfer/refund/cancel

Determine RTP eligibility and other transfer capabilities for a Plaid Item via POST /transfer/capabilities/get

Create a Plaid User and return its user_id, for binding to a production connection’s Plaid User ID field

Retrieve a Plaid User’s identity and metadata by user_id via POST /user/get

Update the identity details stored against a Plaid User via POST /user/update