Plaid
Plaid Virtual Accounts Wallet API

Plaid's Virtual Accounts Wallet is part of the Plaid open-finance platform, exposing 6 documented endpoint(s) under the Plaid REST API at production.plaid.com. It lets developers securely connect to end users' bank and financial accounts across 12,000+ US and international institutions and consume virtual accounts wallet data or actions. Access uses client_id + secret credentials with a Plaid-Version header, an access_token per linked Item, and a real published OpenAPI definition harvested from Plaid's plaid-openapi repository.
Documentation GitHub OpenAPI
Documentation

📖
Documentation
https://plaid.com/docs/api/products/virtual-accounts/
Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/plaid/refs/heads/main/openapi/plaid-wallet--openapi.yml
OpenAPI Specification

openapi: 3.0.0
servers:
  - description: Production
    url: https://production.plaid.com
  - description: Development
    url: https://development.plaid.com
  - description: Sandbox
    url: https://sandbox.plaid.com
info:
  title: 'Plaid wallet/'
  version: 2020-09-14_1.517.0
  description: Needs description.
  contact:
    name: Plaid Developer Team
    url: https://plaid.com
  termsOfService: https://plaid.com/legal/
tags:
  - name: Plaid
security:
  - clientId: []
    secret: []
    plaidVersion: []
paths:
  /wallet/create:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Create an e-wallet
      externalDocs:
        url: /api/products/virtual-accounts/#walletcreate
      operationId: walletCreate
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletCreateResponse'
              examples:
                example-1:
                  value:
                    wallet_id: wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    recipient_id: >-
                      recipient-id-production-9b6b4679-914b-445b-9450-efbdb80296f6
                    balance:
                      iso_currency_code: GBP
                      current: 123.12
                      available: 100.96
                    request_id: 4zlKapIkTm8p5KM
                    numbers:
                      bacs:
                        account: '12345678'
                        sort_code: '123456'
                    status: ACTIVE
      description: Create an e-wallet. The response is the newly created e-wallet object.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletCreateRequest'
  /wallet/get:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Fetch an e-wallet
      externalDocs:
        url: /api/products/virtual-accounts/#walletget
      operationId: walletGet
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletGetResponse'
              examples:
                example-1:
                  value:
                    wallet_id: wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    recipient_id: >-
                      recipient-id-production-9b6b4679-914b-445b-9450-efbdb80296f6
                    balance:
                      iso_currency_code: GBP
                      current: 123.12
                      available: 100.96
                    request_id: 4zlKapIkTm8p5KM
                    numbers:
                      bacs:
                        account: '12345678'
                        sort_code: '123456'
                      international:
                        iban: GB33BUKB20201555555555
                        bic: BUKBGB22
                    status: ACTIVE
                example-2:
                  value:
                    wallet_id: wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    recipient_id: >-
                      recipient-id-production-9b6b4679-914b-445b-9450-efbdb80296f6
                    balance:
                      iso_currency_code: EUR
                      current: 123.12
                      available: 100.96
                    request_id: 4zlKapIkTm8p5KM
                    numbers:
                      international:
                        iban: NL91ABNA0417164300
                        bic: ABNANL2A
                    status: ACTIVE
      description: Fetch an e-wallet. The response includes the current balance.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletGetRequest'
  /wallet/list:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Fetch a list of e-wallets
      externalDocs:
        url: /api/products/virtual-accounts/#walletlist
      operationId: walletList
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletListResponse'
              examples:
                example-1:
                  value:
                    wallets:
                      - wallet_id: >-
                          wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                        recipient_id: >-
                          recipient-id-production-9b6b4679-914b-445b-9450-efbdb80296f6
                        balance:
                          iso_currency_code: GBP
                          current: 123.12
                          available: 100.96
                        numbers:
                          bacs:
                            account: '12345678'
                            sort_code: '123456'
                        status: ACTIVE
                      - wallet_id: >-
                          wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a999
                        recipient_id: >-
                          recipient-id-production-9b6b4679-914b-445b-9450-efbdb80296f7
                        balance:
                          iso_currency_code: EUR
                          current: 456.78
                          available: 100.96
                        numbers:
                          international:
                            iban: GB22HBUK40221241555626
                            bic: HBUKGB4B
                        status: ACTIVE
                    request_id: 4zlKapIkTm8p5KM
      description: This endpoint lists all e-wallets in descending order of creation.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletListRequest'
  /wallet/transaction/execute:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Execute a transaction using an e-wallet
      externalDocs:
        url: /api/products/virtual-accounts/#wallettransactionexecute
      operationId: walletTransactionExecute
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletTransactionExecuteResponse'
              examples:
                example-1:
                  value:
                    transaction_id: >-
                      wallet-transaction-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    status: EXECUTED
                    request_id: 4zlKapIkTm8p5KM
      description: >-
        Execute a transaction using the specified e-wallet.

        Specify the e-wallet to debit from, the counterparty to credit to, the
        idempotency key to prevent duplicate transactions, the amount and
        reference for the transaction.

        Transactions will settle in seconds to several days, depending on the
        underlying payment rail.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletTransactionExecuteRequest'
  /wallet/transaction/get:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid Fetch an e-wallet transaction
      externalDocs:
        url: /api/products/virtual-accounts/#wallettransactionget
      operationId: walletTransactionGet
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletTransactionGetResponse'
              examples:
                example-1:
                  value:
                    transaction_id: >-
                      wallet-transaction-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3
                    wallet_id: wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    type: PAYOUT
                    reference: Payout 99744
                    amount:
                      iso_currency_code: GBP
                      value: 123.12
                    status: EXECUTED
                    created_at: '2020-12-02T21:14:54Z'
                    last_status_update: '2020-12-02T21:15:01Z'
                    counterparty:
                      numbers:
                        bacs:
                          account: '31926819'
                          sort_code: '601613'
                      name: John Smith
                    request_id: 4zlKapIkTm8p5KM
                example-2:
                  value:
                    transaction_id: >-
                      wallet-transaction-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3
                    wallet_id: wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                    type: PAYOUT
                    reference: Payout 99744
                    amount:
                      iso_currency_code: EUR
                      value: 456.78
                    status: EXECUTED
                    created_at: '2020-12-02T21:14:54Z'
                    last_status_update: '2020-12-02T21:15:01Z'
                    counterparty:
                      numbers:
                        international:
                          iban: GB33BUKB20201555555555
                      name: John Smith
                    request_id: 4zlKapIkTm8p5KM
      description: Fetch a specific e-wallet transaction
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletTransactionGetRequest'
  /wallet/transaction/list:
    x-plaid-business-unit-context: BUSINESS_UNIT_PLAID
    post:
      tags:
        - Plaid
      summary: Plaid List e-wallet transactions
      externalDocs:
        url: /api/products/virtual-accounts/#wallettransactionlist
      operationId: walletTransactionList
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/WalletTransactionListResponse'
              examples:
                example-1:
                  value:
                    next_cursor: YWJjMTIzIT8kKiYoKSctPUB
                    transactions:
                      - transaction_id: >-
                          wallet-transaction-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3
                        wallet_id: >-
                          wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                        type: PAYOUT
                        reference: Payout 99744
                        amount:
                          iso_currency_code: GBP
                          value: 123.12
                        status: EXECUTED
                        created_at: '2020-12-02T21:14:54Z'
                        last_status_update: '2020-12-02T21:15:01Z'
                        counterparty:
                          numbers:
                            bacs:
                              account: '31926819'
                              sort_code: '601613'
                          name: John Smith
                      - transaction_id: >-
                          wallet-transaction-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3
                        wallet_id: >-
                          wallet-id-production-53e58b32-fc1c-46fe-bbd6-e584b27a88
                        type: PAYOUT
                        reference: Payout 99744
                        amount:
                          iso_currency_code: EUR
                          value: 456.78
                        status: EXECUTED
                        created_at: '2020-12-02T21:14:54Z'
                        last_status_update: '2020-12-02T21:15:01Z'
                        counterparty:
                          numbers:
                            international:
                              iban: GB33BUKB20201555555555
                          name: John Smith
                    request_id: 4zlKapIkTm8p5KM
      description: >-
        This endpoint lists the latest transactions of the specified e-wallet.
        Transactions are returned in descending order by the `created_at` time.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WalletTransactionListRequest'
components:
  schemas:
    WalletCreateResponse:
      type: object
      additionalProperties: true
      description: WalletCreateResponse defines the response schema for `/wallet/create`
      allOf:
        - $ref: '#/components/schemas/Wallet'
        - type: object
          properties:
            request_id:
              $ref: '#/components/schemas/RequestID'
      required:
        - wallet_id
        - balance
        - request_id
    WalletGetResponse:
      type: object
      additionalProperties: true
      description: WalletGetResponse defines the response schema for `/wallet/get`
      allOf:
        - $ref: '#/components/schemas/Wallet'
        - type: object
          properties:
            request_id:
              $ref: '#/components/schemas/RequestID'
      required:
        - wallet_id
        - balance
        - request_id
    WalletListResponse:
      type: object
      additionalProperties: true
      description: WalletListResponse defines the response schema for `/wallet/list`
      properties:
        wallets:
          type: array
          description: An array of e-wallets
          items:
            $ref: '#/components/schemas/Wallet'
        next_cursor:
          type: string
          description: >-
            Cursor used for fetching e-wallets created before the latest
            e-wallet provided in this response
        request_id:
          $ref: '#/components/schemas/RequestID'
      required:
        - wallets
        - request_id
    WalletTransactionExecuteResponse:
      type: object
      additionalProperties: true
      description: >-
        WalletTransactionExecuteResponse defines the response schema for
        `/wallet/transaction/execute`
      properties:
        transaction_id:
          type: string
          description: A unique ID identifying the transaction
        status:
          $ref: '#/components/schemas/WalletTransactionStatus'
        request_id:
          $ref: '#/components/schemas/RequestID'
      required:
        - transaction_id
        - status
        - request_id
    WalletTransactionGetResponse:
      title: WalletTransactionGetResponse
      type: object
      additionalProperties: true
      description: >-
        WalletTransactionGetResponse defines the response schema for
        `/wallet/transaction/get`
      allOf:
        - $ref: '#/components/schemas/WalletTransaction'
        - type: object
          properties:
            request_id:
              $ref: '#/components/schemas/RequestID'
      required:
        - transaction_id
        - reference
        - type
        - amount
        - counterparty
        - status
        - created_at
        - request_id
    WalletTransactionListResponse:
      type: object
      additionalProperties: true
      description: >-
        WalletTransactionListResponse defines the response schema for
        `/wallet/transaction/list`
      properties:
        transactions:
          type: array
          description: >-
            An array of transactions of an e-wallet, associated with the given
            `wallet_id`
          items:
            $ref: '#/components/schemas/WalletTransaction'
        next_cursor:
          type: string
          description: >-
            Cursor used for fetching transactions created before the latest
            transaction provided in this response
        request_id:
          $ref: '#/components/schemas/RequestID'
      required:
        - transactions
        - request_id