apis.yml

aid: plaid
name: Plaid
url: https://raw.githubusercontent.com/api-evangelist/plaid/refs/heads/main/apis.yml
description: Plaid is a US financial-technology company and data-network aggregator that provides an API
  platform for businesses to securely connect with their users' bank and financial accounts. Plaid acts
  as the interface between 12,000+ financial institutions and third-party applications, powering bank-account
  verification (Auth, Balance, Identity), transactions and enrichment, income and asset verification,
  lending data (Assets, Liabilities, Investments, Consumer Report/CRA), risk and fraud tooling (Signal,
  Beacon, Monitor watchlist screening, Identity Verification), and money movement (Transfer, Payment Initiation,
  Virtual Accounts). Developers integrate through Plaid Link, a self-serve dashboard, client credentials,
  per-Item access tokens, and a publicly published OpenAPI definition. In the US voluntary open-finance
  landscape Plaid is an aggregator, and it also operates Core Exchange, its FDX-aligned data-access API
  for data providers, positioning it for CFPB 1033 open-banking rules.
kind: company
tags:
- Financial
- Fintech
- Open Banking
- Bank Accounts
- Data Aggregation
- Payments
- United States
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/plaid.png
score: 1200
created: '2024-07-07T00:00:00.000Z'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: plaid:plaid-plaid-api
  name: Plaid Plaid API
  description: The Plaid API from Plaid — 256 operation(s) for plaid.
  humanURL: https://plaid.com/docs/auth/
  baseURL: https://production.plaid.com
  tags:
  - Plaid
  properties:
  - type: OpenAPI
    url: openapi/plaid-plaid-api-openapi.yml
  - type: Documentation
    url: https://plaid.com/docs/auth/
  - type: Documentation
    url: https://plaid.com/docs/balance/
  - type: Documentation
    url: https://plaid.com/docs/identity/
  - type: Documentation
    url: https://plaid.com/docs/identity-verification/
  - type: Documentation
    url: https://plaid.com/docs/monitor/
  - type: Documentation
    url: https://plaid.com/docs/beacon/
  - type: Documentation
    url: https://plaid.com/docs/signal/
  - type: Documentation
    url: https://plaid.com/docs/transfer/
  - type: Documentation
    url: https://plaid.com/docs/transactions/
  - type: Documentation
    url: https://plaid.com/docs/investments/
  - type: Documentation
    url: https://plaid.com/docs/liabilities/
  - type: Documentation
    url: https://plaid.com/docs/assets/
  - type: Documentation
    url: https://plaid.com/docs/income/
  - type: Documentation
    url: https://plaid.com/docs/check/
  - type: Documentation
    url: https://plaid.com/docs/statements/
  - type: Documentation
    url: https://plaid.com/docs/payment-initiation/
  - type: Documentation
    url: https://plaid.com/docs/api/products/virtual-accounts/
  - type: Documentation
    url: https://plaid.com/docs/api/institutions/
  - type: Documentation
    url: https://plaid.com/docs/api/items/
  - type: Documentation
    url: https://plaid.com/docs/link/
  - type: Documentation
    url: https://plaid.com/docs/api/processor-partners/
  - type: Documentation
    url: https://plaid.com/docs/api/partner/
  - type: Documentation
    url: https://plaid.com/docs/sandbox/
  - type: Documentation
    url: https://plaid.com/docs/
  - type: Documentation
    url: https://plaid.com/docs/api/
common:
- type: AgentSkill
  url: skills/plaid-authorize-and-create-transfer.md
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/plaid/overview
- type: Website
  url: https://plaid.com/
- type: DeveloperPortal
  url: https://plaid.com/docs/
- type: Documentation
  url: https://plaid.com/docs/api/
- type: GitHubOrganization
  url: https://github.com/plaid
- type: LinkedIn
  url: https://www.linkedin.com/company/plaid-
- type: Blog
  url: https://plaid.com/blog/
- type: BlogRSS
  url: https://plaid.com/blog/rss.xml
- type: Pricing
  url: https://plaid.com/pricing/
- type: TermsOfService
  url: https://plaid.com/legal/
- type: PrivacyPolicy
  url: https://plaid.com/legal/#privacy-policy
- type: Support
  url: https://plaid.com/docs/support/
- type: StatusPage
  url: https://status.plaid.com/
- type: Quickstarts
  url: https://plaid.com/docs/quickstart/
- type: Sandbox
  url: https://plaid.com/docs/sandbox/
- type: ErrorCodes
  url: https://plaid.com/docs/errors/
- type: Libraries
  url: https://plaid.com/docs/api/libraries/
- type: Versions
  url: https://plaid.com/docs/api/versioning/
- type: PostmanCollection
  url: https://plaid.com/docs/api/postman/
- type: Webhooks
  url: https://plaid.com/docs/api/webhooks/
- type: OpenAPISource
  url: https://github.com/plaid/plaid-openapi
- type: CoreExchangeFDX
  url: https://github.com/plaid/core-exchange
- type: Login
  url: https://dashboard.plaid.com/signin
- type: LlmsText
  url: https://plaid.com/llms.txt
- type: AgenticAccess
  url: agentic-access/plaid-agentic-access.yml
- type: TrustCenter
  url: security/plaid-trust-center.yml
- type: DomainSecurity
  url: security/plaid-domain-security.yml
- type: Authentication
  url: authentication/plaid-authentication.yml
- type: Sandbox
  url: sandbox/plaid-sandbox.yml
- type: Conventions
  url: conventions/plaid-conventions.yml
- type: ChangeLog
  url: changelog/plaid-changelog.yml
- type: CLI
  url: cli/plaid-cli.yml
- type: Components
  url: components/plaid-components.yml
- type: DataModel
  url: data-model/plaid-data-model.yml
- type: DeclineCodes
  url: errors/plaid-decline-codes.yml
- type: ErrorCatalog
  url: errors/plaid-problem-types.yml
- type: Packages
  url: packages/plaid-packages.yml
- type: SDKs
  url: packages/plaid-packages.yml
- type: WellKnown
  url: well-known/plaid-well-known.yml
- type: Conformance
  url: conformance/plaid-conformance.yml
- type: Compliance
  url: security/plaid-trust-center.yml
- type: Lifecycle
  url: lifecycle/plaid-lifecycle.yml
- type: DeprecationPolicy
  url: https://plaid.com/docs/api/versioning/
- type: Idempotency
  url: conventions/plaid-conventions.yml
- type: AsyncAPI
  url: asyncapi/plaid-webhooks--asyncapi-original.yml
- type: X-MCPServerCandidate
  url: mcp/plaid-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/plaid-tool-crosswalk.yml
- type: AgentSkills
  url: skills/_index.yml
- type: Overlay
  url: overlays/plaid-transfer-overlay.yaml
- type: LLMsTxt
  url: llms/plaid-llms.txt
- type: Plans
  url: plans/plaid-plans-pricing.yml
- type: RateLimits
  url: rate-limits/plaid-rate-limits.yml
- type: FinOps
  url: finops/plaid-finops.yml
- type: Features
  data:
  - Auth API for ACH account/routing verification (~$1.50/linked account)
  - Identity API for KYC name/address/phone match (~$0.30/call)
  - Income API for income verification
  - Transactions API with /sync cursor for incremental pulls (~$0.45/call)
  - Balance API for real-time balance check (~$0.10/call)
  - Investments, Liabilities, Assets, Statements products
  - Plaid Link prebuilt UI for OAuth bank connection
  - 12,000+ supported financial institutions
  - Sandbox environment with synthetic data
  - Default 100 req/day/Item rate limit
  - Webhooks for transaction updates and item events
  - Pay-as-you-go default; Growth tier with discounts and SSO
  - Custom contracts $1k-$10k+/month with 30-50% volume discounts at scale
  - Plaid Beacon for fraud network signals
  - Plaid Transfer for ACH payment initiation
  - Plaid Signal for ACH risk scoring
  - 'Core Exchange: Plaid''s FDX-aligned data-access API for data providers'
  sources:
  - https://plaid.com/pricing/
  updated: '2026-07-23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com