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.

🌐 Visit website 📡 Profile data on GitHub

83.4/100 exemplar ▬ flat Agent 52/100 agent native Front door AI 3/6 light Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

41 published contracts 1 MCP Servers 3 Agent Skills 17 Features

Finance Fintech Open Banking Bank Accounts Data Aggregation Payments United States

What people ask Plaid 1

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

Plaid API Retrieve a consumer Base Report “How do I pull the Base Report for a user in Plaid Check?” Create a consumer Base Report “How do I generate a Base Report from a user's most recently linked bank?” Retrieve a CRA bank income report “How do I read the bank income report for a user after income verification?” Create a CRA bank income report “How do I start a consumer report that verifies income from bank deposits?”

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 83.4/100 · exemplar

Contract Quality 13.0 / 19

Developer Ergonomics 11.9 / 15

Access Clarity 12.8 / 15

Operational Transparency 8.5 / 10

Contract Governance 3.8 / 9

Discoverability 6.1 / 8

Regulatory Posture 8.6 / 15

Create-or-Update Ergonomics 3.9 / 10

Agent readiness — 52/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Dry-Run / Simulate Mode +4 pts — OpenAPI: destructive operations expose a dry_run / simulate / preview / validate_only parameter
Well-Known Catalog +4 pts — common[].type includes WellKnown, APICatalog, or api-catalog

1 more unmet check in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 69.2 — up to +7.7 composite points
Contract Governance scores 41.7 — up to +7.0 composite points
Developer Ergonomics scores 79.2 — up to +4.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/plaid/apis.yml: open an issue on github.com/api-evangelist/plaid to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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.

Market	Position	Depth	Registered MCP server	Declares compatibility
Open Banking	gravity	52.9	-	-
AI Agent Tools (MCP servers, A2A agents)	gravity	52.9	-	-
US Open Banking (FDX)	gravity	52.9	-	-
VC Portfolios (a16z, Battery Ventures, Sequoia Capital, Index Ventures participation)	gravity	52.9	-	-
Stripe App Marketplace and Partner Ecosystem (builders on Stripe)	gravity	52.9	-	-
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	gravity	52.9	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	gravity	52.9	-	-
APIs.guru OpenAPI Directory (API definition directory)	gravity	52.9	-	-

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.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OpenAPI

measured — observed by APIs.io (published)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

Plaid API

The Plaid REST API — the aggregator surface for bank-account, identity, transactions, income, assets, liabilities, investments, transfer, payment initiation, virtual accounts, s...

Plaid Account Information API

Search and view customer accounts

Plaid Account Statements API

Search and retrieve account statements

Plaid Account Transactions API

Search and view account transactions

Plaid Asset Transfer Networks Information API

Search and view asset transfer networks

Plaid Payment Networks Information API

Search and view account payment networks

Plaid Personal Information API

Search and view customer or customers

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Postman Collections 31

Ready-to-run Postman collections for exercising this provider's APIs.

Plaid accounts/

POSTMAN

Plaid asset report/

POSTMAN

Plaid auth/

POSTMAN

Plaid bank transfer/

POSTMAN

Plaid beacon/

POSTMAN

Plaid categories/

POSTMAN

Plaid cra/

POSTMAN

Plaid credit/

POSTMAN

Plaid deposit switch/

POSTMAN

Plaid employers/

POSTMAN

Plaid fdx/

POSTMAN

Plaid identity/

POSTMAN

Plaid identity verification/

POSTMAN

Plaid income/

POSTMAN

Plaid institutions/

POSTMAN

Plaid investments/

POSTMAN

Plaid item/

POSTMAN

Plaid liabilities/

POSTMAN

Plaid link/

POSTMAN

Plaid link delivery/

POSTMAN

Plaid partner/

POSTMAN

Plaid payment initiation/

POSTMAN

Plaid payment profile/

POSTMAN

Plaid processor/

POSTMAN

Plaid sandbox/

POSTMAN

Plaid signal/

POSTMAN

Plaid statements/

POSTMAN

Plaid transactions/

POSTMAN

Plaid transfer/

POSTMAN

Plaid wallet/

POSTMAN

Plaid watchlist screening/

POSTMAN

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Open Collections 31

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Plaid accounts/

OPEN COLLECTION

Plaid asset report/

OPEN COLLECTION

Plaid auth/

OPEN COLLECTION

Plaid bank transfer/

OPEN COLLECTION

Plaid beacon/

OPEN COLLECTION

Plaid categories/

OPEN COLLECTION

Plaid cra/

OPEN COLLECTION

Plaid credit/

OPEN COLLECTION

Plaid deposit switch/

OPEN COLLECTION

Plaid employers/

OPEN COLLECTION

Plaid fdx/

OPEN COLLECTION

Plaid identity/

OPEN COLLECTION

Plaid identity verification/

OPEN COLLECTION

Plaid income/

OPEN COLLECTION

Plaid institutions/

OPEN COLLECTION

Plaid investments/

OPEN COLLECTION

Plaid item/

OPEN COLLECTION

Plaid liabilities/

OPEN COLLECTION

Plaid link/

OPEN COLLECTION

Plaid link delivery/

OPEN COLLECTION

Plaid partner/

OPEN COLLECTION

Plaid payment initiation/

OPEN COLLECTION

Plaid payment profile/

OPEN COLLECTION

Plaid processor/

OPEN COLLECTION

Plaid sandbox/

OPEN COLLECTION

Plaid signal/

OPEN COLLECTION

Plaid statements/

OPEN COLLECTION

Plaid transactions/

OPEN COLLECTION

Plaid transfer/

OPEN COLLECTION

Plaid wallet/

OPEN COLLECTION

Plaid watchlist screening/

OPEN COLLECTION

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MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Plaid MCP Server

Plaid publishes TWO official MCP servers. (1) The Dashboard MCP server is a remote, hosted MCP endpoint at https://api.dashboard.plaid.com/mcp/ that exposes production diagnosti...

MCP SERVER

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

plaid-authorize-and-create-transfer

AGENT SKILL

plaid-link-and-fetch-accounts

AGENT SKILL

plaid-sync-transactions

AGENT SKILL

Plaid API pricing

Prices published by Plaid, read 2026-09-23 from plaid.com/pricing/.

Plan	Price
Pay as You Go	Standard Pricing
Growth	Contact for pricing
Custom	Contact for pricing

Plan details, limits and sources →

Rate limits

/accounts/balance/get per Item: 5 per minute, 30 per hour
/accounts/balance/get per client: 1,200 per minute
/accounts/get per Item: 15 per minute

All 37 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Plaid Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Plaid Rate Limits

37 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Plaid

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Plaid Finops

FINOPS

Features 17

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

Event Specifications 2

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Plaid Webhooks

AsyncAPI 2.6 specification for the Plaid webhook surface. Plaid delivers asynchronous notifications via HTTP POST to the URL registered on an Item (`webhook` parameter in `/link...

ASYNCAPI

Plaid Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Plaid Context

120 classes · 167 properties

JSON-LD

Spectral Rules 3

Spectral governance rulesets for linting and validating these APIs.

Plaid — asyncapi rules

9 rules · 1 errors 8 warnings

SPECTRAL

Plaid API Rules

16 rules · 12 errors 3 warnings 1 info

SPECTRAL

Plaid API Rules

8 rules · 1 errors 7 warnings

SPECTRAL

OpenAPI Overlays 4

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.

Plaid Core Exchange Overlay

1 action · update · plaid-core-exchange-openapi.yml

DERIVED

Plaid Plaid Api Overlay

17 actions · update · plaid-plaid-api-openapi.yml

DERIVED

Plaid Plaid Api Phrasing Overlay

266 actions · phrasing · plaid-plaid-api-openapi.yml

GENERATED

Plaid Transfer Overlay

5 actions · update · plaid-plaid-api-openapi.yml

DERIVED

JSON Schema 12

Standalone JSON Schema definitions for this provider's data models.

Account Contact entity

4 properties

JSON SCHEMA

Payment Networks entity

2 properties

JSON SCHEMA

Account With Details entity

0 properties

JSON SCHEMA

Accounts entity

2 properties

JSON SCHEMA

BetaPartnerCustomerV1CreateRequest

17 properties

JSON SCHEMA

Customer entity

1 properties

JSON SCHEMA

LinkTokenCreateRequest

47 properties

JSON SCHEMA

PartnerCustomerCreateRequest

18 properties

JSON SCHEMA

ProcessorSignalEvaluateRequest

12 properties

JSON SCHEMA

SignalEvaluateRequest

14 properties

JSON SCHEMA

Transactions entity

2 properties

JSON SCHEMA

TransferAuthorizationCreateRequest

26 properties

JSON SCHEMA

Scroll for all 12

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Plaid Authentication

apiKey · 3 schemes

SECURITY

Plaid Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Plaid Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Plaid Trust Center

SOC 2, ISO 27001

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Plaid Scopes

5 scopes · authorizationCode/clientCredentials

5 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Plaid Agentic Access

265 operations · 263 acting · 5 human-in-the-loop

265 operations · 263 acting

AGENTIC

Resources

Get Started 7

Portal, sign-up, and the first successful call

GettingStarted

DeveloperPortal

Quickstarts

Sandbox

Login

SignUp

SignUp

Sandbox

Sandbox

Scroll for all 7

Documentation 4

Reference material describing how the API behaves

Documentation

APIReference

OpenAPISource

AsyncAPI

Agent Surfaces 8

MCP servers, agent skills, and machine-readable catalogs

MCPServer

AgentSkill

LlmsText

AgenticAccess

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkills

AgentSkills

LLMsTxt

LLMsTxt

Scroll for all 8

Design & Contract 17

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

Spectral

JSONLD

Vocabulary

Webhooks

Webhooks

ErrorCodes

Versions

Webhooks

Conventions

Components

DataModel

ErrorCatalog

Conformance

Lifecycle

Idempotency

Scroll for all 17

Build 10

SDKs, sample code, and the tooling you integrate with

IntegrationEdges

IntegrationEdges

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Libraries

Libraries

PostmanCollection

CLI

DeclineCodes

Packages

SDKs

ToolCrosswalk

Scroll for all 10

Access & Security 7

Authentication, authorization, and security posture

Security

Security

OAuthScopes

OAuthScopes

VulnerabilityDisclosure

VulnerabilityDisclosure

TrustCenter

DomainSecurity

Authentication

Compliance

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Operate 5

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

ChangeLog

ChangeLog

DeprecationPolicy

DeprecationPolicy

RateLimits

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 6

The organization behind the API

Newsroom

Newsroom

Website

Website

LinkedIn

Twitter

Twitter

Blog

Blog

BlogRSS

BlogRSS

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

CoreExchangeFDX

Overlay

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
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  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

Plaid API — frequently asked questions

Does Plaid have an API?

Yes. APIs.io lists 7 APIs from Plaid, including Plaid API, Plaid Account Information API and Plaid Account Statements API, and 4 more.

Is there an OpenAPI specification for the Plaid API?

Yes. APIs.io indexes 7 OpenAPI specifications for Plaid, each linked for download from this page.

How do I authenticate with the Plaid API?

Plaid documents its authentication (apiKey · 3 schemes). The details are profiled on APIs.io as Plaid Authentication.

How much does the Plaid API cost?

Plaid publishes its prices; its Pay as You Go plan is Standard Pricing as of 2026-09-23. APIs.io lists 3 pricing plans for Plaid, with each plan's price, limits and inclusions under Pricing on this page.

Does Plaid have an MCP server?

Yes. APIs.io lists 1 MCP server for Plaid: Plaid publishes TWO official MCP servers. (1) The Dashboard MCP server is a remote, hosted MCP endpoint at https://api.dashboard.plaid.com/mcp/ that exposes production diagnostics and Link analytics t

Is the Plaid API ready for AI agents?

Plaid has a Kin Score of 83.4 out of 100 (exemplar) and an Agent Readiness score of 52.1 (agent-native), scored by API Evangelist on 2026-11-06.

Compared on APIs.io

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vs MX Technologies Plaid vs MX: two financial data networks, 20 points apart
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