Plaid

Connect your own Plaid account by saving your client_id plus a Sandbox and/or Production secret, after checking whichever ones you provide actually work. Find these in Plaid Dashboard > Team Settings > Keys.

Disconnect a Plaid account: deletes the saved client_id/secrets. Nothing in Plaid itself is changed; existing Items keep working if you reconnect the same credentials later.

List the connected Plaid accounts.

Create a Link token so your app can launch Plaid Link for an end user to connect their bank account (or reauthenticate an existing one in update mode, via access_token).

Read a Link token's own metadata (status, products requested) -- useful to confirm what a token was configured for before handing it to a client.

Exchange a public_token (returned by Plaid Link after an end user finishes connecting their bank) for a permanent access_token identifying the new Item. Store the access_token yourself -- Plaid never lets you retrieve it again.

Read one Plaid Item in full: institution, available/billed products, and error state.

Permanently remove a Plaid Item, revoking its access_token. Cannot be undone -- the end user would need to reconnect through Link again.

Change the webhook URL Plaid sends this Item's events to.

Re-issue a short-lived public_token for an existing Item, so Link can be launched in update mode from a different client than the one that originally created the Item.

Read every account (or a specific subset) attached to a Plaid Item -- balances, type, subtype, mask.

Read one financial institution known to Plaid by its institution_id -- name, logo, supported products, OAuth requirement.

List financial institutions known to Plaid, paginated.

Search financial institutions known to Plaid by free-text name, optionally filtered to institutions supporting given products.

Fetch new/modified/removed transactions for an Item since a cursor (the recommended way to keep transactions up to date -- pass the returned next_cursor back in on your next call). Leave cursor blank on the very first call to get full history.

Fetch transactions for an Item within a date range (legacy endpoint -- prefer sync_transactions for ongoing sync, this is fine for a one-off historical pull).

Ask Plaid to proactively check for new transaction data right now instead of waiting for its normal refresh schedule. Fires a TRANSACTIONS webhook when done.

Read Plaid's own detected recurring transaction streams (subscriptions, regular income/bills) for an Item.

Enrich your OWN raw transaction data (not from Plaid) with merchant name, logo, category, and payment channel using Plaid's Transactions Enrich product.

Read account and routing numbers for an Item's depository accounts -- the core data needed to originate an ACH transfer.

Read the account holder's name, email, phone, and address on file at their bank, for an Item.

Check how closely a name/phone/email/address you provide matches the account holder's real identity on file (Identity Match) -- useful for fraud/KYC checks before trusting a linked account.

Read investment holdings (securities owned, quantity, cost basis) for an Item's investment accounts.

Read investment transactions (buys, sells, dividends, fees) for an Item within a date range.

Ask Plaid to proactively check for new investment data right now instead of waiting for its normal refresh schedule.

Read liability details (student loans, credit cards, mortgages -- APR, balances, due dates) for an Item.

Create an Asset Report -- a point-in-time snapshot of balances/transactions across one or more Items, used for mortgage/loan underwriting.

Read a previously created Asset Report by its token, once Plaid's PRODUCT_READY webhook has fired.

Render a completed Asset Report as a PDF, base64-encoded.

Refresh an existing Asset Report with up-to-date balance/transaction data.

Create a new, filtered copy of an Asset Report with specific accounts excluded -- e.g. to hide accounts irrelevant to a loan application.

Permanently delete an Asset Report. Cannot be undone.

Create an auditor-shareable copy of an Asset Report for a named auditing institution (e.g. Fannie Mae).

Revoke a previously created Asset Report audit copy.

Start Payroll/Document income verification for an Item.

Read a previously created Payroll/Document income verification's result by its id.

Read a Bank Income estimate derived purely from an Item's own transaction history -- no separate payroll flow needed.

Get a real-time risk authorization decision BEFORE creating a Transfer -- Plaid requires a fresh authorization_id for every real Transfer.

Create a real Transfer (moves real money) using a prior authorization_id.

Read one Transfer in full by its id -- status, amount, and network.

List Transfers on this Plaid account.

Cancel a Transfer while it is still pending.

Refund a completed Transfer, fully or partially.

List Transfer lifecycle events (posted, settled, failed, returned, swept) -- your source of truth for reconciling Transfer status changes.

Get a real-time ACH return-risk score for a proposed debit BEFORE you initiate it, from Plaid Signal.

Report back to Plaid whether you actually initiated an ACH transaction after seeing its Signal score -- improves future score accuracy.

Screen a person against global watchlists (sanctions, PEP, adverse media) with Plaid Monitor.

Read one watchlist screening's result in full by its id -- match status and any hits found.

List watchlist screenings created on this connection, most recent first.

Record a human review decision (confirmed match / dismissed as false positive) on a watchlist screening's hit.

Create a processor_token for an account, to hand it off to a supported payment processor (e.g. Dwolla, Stripe, Braintree) without exposing your Plaid access_token to them.

Create a bank_account_token for an account -- a newer, processor-agnostic alternative to create_processor_token for handing off an Item to a partner.

Create a fake public_token for a Sandbox test institution, so you can exercise exchange_public_token without going through real Plaid Link.

Force a Sandbox Item to fire a specific webhook right now, so you can test your webhook handler without waiting for real data changes.

Force a Sandbox Item into ITEM_LOGIN_REQUIRED, to test your reauthentication (update-mode Link) flow on demand.

Set a Sandbox account's micro-deposit verification status, to test your Auth verification flow's different outcomes on demand.

Inject fake transactions into a Sandbox Item, so downstream transactions/enrichment testing has realistic data to work with.

Build one aggregated health report across several Plaid Items: which ones need reauthentication (ITEM_LOGIN_REQUIRED), which have pending errors, and their institution names.

Summarize spending by category for an Item's transactions over a date range -- total spend, top categories, and transaction count.

Flag subscriptions/recurring charges the end user may have forgotten about, using Plaid's own recurring-transaction detection.

Combine balances across several Items (depository + investments + liabilities) into one net-worth snapshot: assets, liabilities, and the difference.

Flag accounts on an Item whose current balance is at or below a threshold -- a quick way to catch overdraft risk before it happens.

List every Plaid product this connector supports, with a one-line description of what each does -- a quick reference before calling create_link_token.