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Plaid
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.
Plaid publishes 7 API contracts indexed on the APIs.io network, including Account Information API, Account Statements API, and 5 more. Tagged areas include Finance, Fintech, Open Banking, Bank Accounts, and Data Aggregation.
The Plaid catalog on APIs.io includes 2 event-driven AsyncAPI specifications, 1 JSON-LD context, and 3 Spectral governance rulesets.
Plaid’s developer surface includes getting-started guide, documentation, API reference, engineering blog, pricing, support, sandbox, and 66 more developer resources.
74 published contracts
1 MCP Servers
17 Features
On this page
Kin Score
APIs 7
Postman 31
Open Collections 32
MCP Servers 1
Pricing Plans 1
Rate Limits 1
FinOps 1
Features 17
Event Specs 2
Vocabularies 1
Spectral Rules 3
Overlays 4
JSON Schema 12
Security Posture 4
Scopes 1
Agentic Access 1
Resources 73
apis.yml
The questions people put to an LLM, and the jobs they hand an agent, that Plaid's APIs answer — each one linked to the operation that does it.
Generated by API Evangelist
92 Operational Transparency
39 Create-or-Update Ergonomics
Composite quality — 84.6/100 · exemplar
Agent readiness — 52/100 · agent native
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market:
its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted:
not part of the Kin Score or agent readiness.
Registered MCP server and declares compatibility are report only — not weighted .
Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Individual APIs this provider publishes, each with its own machine-readable definition.
Scroll for all 7
Ready-to-run Postman collections for exercising this provider's APIs.
Scroll for all 31
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Scroll for all 32
Model Context Protocol servers that expose these APIs to AI agents.
Published pricing tiers and plan structures.
Documented rate limits and quota policies.
Cost, billing, and metering signals for API financial operations.
Notable capabilities this provider offers.
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
Scroll for all 17
AsyncAPI definitions for this provider's event-driven and streaming APIs.
JSON-LD contexts and semantic vocabularies used across these APIs.
Spectral governance rulesets for linting and validating these APIs.
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Standalone JSON Schema definitions for this provider's data models.
Scroll for all 12
Authentication, domain security, vulnerability disclosure, and trust-center signals.
OAuth scopes governing access to this provider's APIs.
Recommended x-agentic-access execution contracts for AI agents.
Get Started 7
Portal, sign-up, and the first successful call
Scroll for all 7
Documentation 4
Reference material describing how the API behaves
Agent Surfaces 8
MCP servers, agent skills, and machine-readable catalogs
Scroll for all 8
Design & Contract 17
Pagination, idempotency, versioning, errors, and events
Scroll for all 17
Build 10
SDKs, sample code, and the tooling you integrate with
Scroll for all 10
Access & Security 7
Authentication, authorization, and security posture
Scroll for all 7
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 6
The organization behind the API
Other 4
Properties that don't map to a standard resource type
Source (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:
- Finance
- Fintech
- Open Banking
- Bank Accounts
- Data Aggregation
- Payments
- United States
tags_raw:
- 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: '2026-09-23'
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
common:
- type: IntegrationEdges
url: integrations/plaid-integration-edges.yml
- type: Spectral
url: rules/plaid-spectral-rules.yml
- type: Spectral
url: rules/plaid-rules.yml
- type: Spectral
url: rules/plaid-asyncapi-spectral-rules.yml
- type: JSONLD
url: json-ld/plaid-context.jsonld
- type: Vocabulary
url: vocabulary/plaid-vocabulary.yml
- type: Webhooks
url: asyncapi/plaid-webhooks.yml
- type: Webhooks
url: asyncapi/plaid-webhooks--asyncapi-original.yml
- type: MCPServer
url: mcp/plaid-mcp.yml
- type: Hosts
url: hosts/plaid-hosts.yml
- type: Vendors
url: vendors/plaid-vendors.yml
- type: Security
url: https://plaid.com/careers/openings/security/security-engineer-grc/
- type: Newsroom
url: https://plaid.com/press/
- type: GettingStarted
url: https://plaid.com/docs/payment-initiation/payment-initiation-one-time/user-onboarding-and-account-funding/index.html
- type: OAuthScopes
url: scopes/plaid-scopes.yml
- type: VulnerabilityDisclosure
url: security/plaid-vulnerability-disclosure.yml
- 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: APIReference
url: https://plaid.com/docs/api/
- type: GitHubOrganization
url: https://github.com/plaid
- type: LinkedIn
url: https://www.linkedin.com/company/plaid-
- type: Twitter
url: https://x.com/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: SignUp
url: https://dashboard.plaid.com/signup
- 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'
apis:
- aid: plaid:plaid-plaid-api
name: Plaid API
description: The Plaid REST API — the aggregator surface for bank-account, identity, transactions, income, assets, liabilities,
investments, transfer, payment initiation, virtual accounts, signal, beacon, monitor and identity-verification products.
360 paths / 351 operations at version 2020-09-14_1.740.1, published verbatim by Plaid at github.com/plaid/plaid-openapi.
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Plaid
properties:
- type: OpenAPI
url: openapi/plaid-plaid-api-openapi.yml
- name: OpenAPI (provider-hosted)
type: OpenAPI
url: https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.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/
- type: JSONSchema
url: json-schema/plaid-link-token-create-request-schema.json
- type: JSONSchema
url: json-schema/plaid-partner-customer-create-request-schema.json
- type: JSONSchema
url: json-schema/plaid-signal-evaluate-request-schema.json
- type: JSONSchema
url: json-schema/plaid-transfer-authorization-create-request-schema.json
- type: JSONSchema
url: json-schema/plaid-beta-partner-customer-v1-create-request-schema.json
- type: JSONSchema
url: json-schema/plaid-processor-signal-evaluate-request-schema.json
- aid: plaid:plaid-account-information-api
name: Plaid Account Information API
description: Search and view customer accounts
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Account Information
properties:
- type: OpenAPI
url: openapi/plaid-account-information-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
- aid: plaid:plaid-account-statements-api
name: Plaid Account Statements API
description: Search and retrieve account statements
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Account Statements
properties:
- type: OpenAPI
url: openapi/plaid-account-statements-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
- aid: plaid:plaid-account-transactions-api
name: Plaid Account Transactions API
description: Search and view account transactions
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Account Transactions
properties:
- type: OpenAPI
url: openapi/plaid-account-transactions-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
- aid: plaid:plaid-asset-transfer-networks-information-api
name: Plaid Asset Transfer Networks Information API
description: Search and view asset transfer networks
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Asset Transfer Networks Information
properties:
- type: OpenAPI
url: openapi/plaid-asset-transfer-networks-information-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
- aid: plaid:plaid-payment-networks-information-api
name: Plaid Payment Networks Information API
description: Search and view account payment networks
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Payment Networks Information
properties:
- type: OpenAPI
url: openapi/plaid-payment-networks-information-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
- aid: plaid:plaid-personal-information-api
name: Plaid Personal Information API
description: Search and view customer or customers
humanURL: https://plaid.com/docs/api/
baseURL: https://production.plaid.com
tags:
- Personal Information
properties:
- type: OpenAPI
url: openapi/plaid-personal-information-api-openapi.yml
- type: Documentation
url: https://plaid.com/core-exchange/docs/reference/
- type: SourceCode
url: https://github.com/plaid/core-exchange
- type: JSONSchema
url: json-schema/plaid-account-contact-schema.json
- type: JSONSchema
url: json-schema/plaid-transactions-schema.json
- type: JSONSchema
url: json-schema/plaid-account-payment-network-list-schema.json
- type: JSONSchema
url: json-schema/plaid-accounts-schema.json
- type: JSONSchema
url: json-schema/plaid-customer-schema.json
- type: JSONSchema
url: json-schema/plaid-account-with-details-schema.json
x-enrichment:
date: 2026-10-12
status: enriched
artifacts_added: 0
pass: local-v5
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