Instantly authenticate accounts
for ACH without microdeposits
Get reliable bank statement data
across thousands of institutions
Validate income and verify
employer info and depository data
Use bank data to verify identities
and reduce fraud
Pull historical data and real-time
balances to decrease NSFs
Fintech Request for Startups
The past five years have brought significant excitement to financial services. From a consumer perspective, there have been more products launched in this period than in the previous 225 years, since the first bank launched in the United States. Driving this innovation is an increase in mobile ad...
Now supporting Auth for 1,500+ institutions
When we first launched our Auth product back in 2014, it marked the first time that consumers could make an ACH payment without typing in their bank account and routing numbers. ACH is the largest payment network in the United States and processes more than $40 trillion each year—underlying thing...
Design upgrades for Link
Today we released some exciting design upgrades for Link! We first launched Link with the goal of making it the easiest and most secure way to integrate with Plaid. With just a few lines of code, Link makes it possible for end users to search for and connect to thousands of financial institutions...
Announcing Plaid Link for iOS
We want to make it as easy as possible to work with financial data, and today, we’re thrilled to share Link iOS, a native iOS SDK that makes connecting with user bank accounts even better on mobile. We launched Link in 2015 to help developers focus on building great applications—not on the intric...
Improving the developer experience with our API
We’re excited to announce upgrades and enhancements to our API — including simplified endpoints, redesigned docs and client libraries, a new sandbox, and a native iOS integration for Link. All of these updates are designed to make it easier than ever to integrate Plaid into your app and empower y...
Partnering with Ellie Mae in mortgage
Today, we’re excited to announce our new partnership with Ellie Mae, one of the most established and forward-thinking mortgage companies in the United States. Through this partnership, we’ll initially help digitize a historically manual element of the mortgage application process. Our new partne...
Thoughts on consumer data access
Plaid’s role in connecting financial institutions, fintech developers, and consumers places us in a unique position in the ongoing discussion around consumer data access in financial services. These issues could have a big impact on consumers and developers, which is why we regularly engage with ...
Plaid plus Citi and Amex
Changing the landscape of financial services requires a partnership between financial institutions, technology firms, and startups. With this in mind, we’re excited to share that Citi and American Express invested in Plaid as part of our previously announced Series B. Over the past four years, we...
Making sense of data access approaches
Consumer access to financial data has become a hot topic of late—and with good reason. U.S. consumers are embracing a proliferation of digital financial services, spanning everything from alternative lending to automated investing. Innovation in this space rests on consumers’ ability to grant acc...
Announcing our $44M Series B
When we started building Plaid in 2012, our goal was simple: We wanted to make the financial services industry developer-friendly and enable new innovation in a space that had traditionally not had much. Largely driven by legacy technologies, intense competition, regulatory scrutiny, and security...
Speeding up npm in virtual environments
At Plaid, we spend a lot of time thinking about the tools we use on the engineering side, which has helped us to automate time-consuming tasks and focus on empowering our customers. We wanted to peel back the curtain a bit to share some of the tools—and decisions—that help Plaid run.
Let’s face it: Bank accounts weren’t designed with 21st century needs in mind. That’s a big part of what drives us here at Plaid—exploring how we can use technology to bridge existing infrastructure with changing consumer needs, strengthen security across the system, and reliably exchange data. A...
Putting consumers first in fintech
Over the past few years, Plaid has been working with a growing number of groups throughout financial services to deliver better access to financial data. We focus on helping developers build great products for consumers, but we also recognize that the technologies we’re building raise questions a...
Plaid + Stripe ACH
Plaid and Stripe are excited to announce a new way to authenticate and accept ACH payments. With Plaid Link’s instant ACH authentication and Stripe’s ACH API, you can start accepting payments in minutes rather than business days — all without ever handling your customers’ account and routing numb...
Introducing Plaid Link
Plaid Link is a quick and secure way to integrate with the Plaid API. Link is a drop-in module that handles credential validation, multi-factor authentication, and error handling for each institution that we support—all while keeping credentials from ever hitting your server. Head over to the Lin...
Getting Started with Plaid Transactions
This quickstart guide will get you up and running with Plaid Transactions (previously known as Connect), which allows you to retrieve user-authorized transaction and account data from thousands of financial institutions in the United States. For additional information on Transactions and other Pl...