Plaid

API

Securely connect bank accounts and access financial data

Overview

Plaid provides RESTful API endpoints to link user bank accounts, retrieve transaction history, real-time balances, identity verification data, and account details. Responses are in JSON format. Key endpoints include /link/token/create (account linking initialization), /transactions/get (transaction data), and /accounts/balance/get (balance info). Use cases span personal finance apps (budgeting/expense tracking), lending platforms (income verification), and neobanks (account aggregation) for seamless financial data integration.

Example Integration (JavaScript)

script.js JS


fetch('https://www.plaid.com/docs')
  .then(res => res.json())
  .then(data => console.log(data))
  .catch(err => console.error(err));

Key Features

RESTful API
JSON responses
Secure OAuth linking
Transaction categorization
Real-time balance data
Sandbox testing environment

Frequently Asked Questions

? Is Plaid free to use?

Plaid offers a free sandbox tier for testing and a freemium model with paid plans for production usage based on API calls and features.

? Does Plaid require an API Key?

Yes, Plaid requires an API key for authentication; you can get one by signing up on their developer portal.

? What is the response format?

Plaid returns data in JSON format for all API endpoints, ensuring easy parsing and integration with most applications.

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Tool Info

Pricing Freemium

Category Finance

Platform Public API

Pros

⊕ Wide bank institution coverage
⊕ Robust security (PCI DSS compliant)
⊕ Comprehensive SDKs & documentation
⊕ Sandbox for testing

Cons

⊖ Paid tiers for high-volume usage
⊖ Requires API key authentication
⊖ Limited free tier
⊖ Some regional banks may lack support