Frequently Asked Questions
Check out the below FAQs for info on the most commonly asked questions we get at Plaid. If you can’t find what you’re looking for, I’d also recommend checking out our Help Center or reach out through our contact page!
What are Plaid’s products?
Our core products are called “Auth” and “Transactions”. Auth enables applications to instantly authenticate a bank account. Transactions provides transactional data for a user’s bank or credit card accounts. You can find additional details on all of our products including Identity, Balance, and Income on our product page. If you’re looking for other products or have other needs, please reach out through our contact page, and we’ll get back to you.
How many banks does Plaid support?
We support 1,700+ financial institutions for Auth, 1,000+ institutions for Identity, thousands of institutitons for Transactions—and we’re regularly adding more. You can get the latest info on the banks we currently support from our documentation—or try out our demo yourself!
What type of information does Plaid provide via Transactions?
Check out our site for a list of the fields we return via Transactions. If there’s something you want that you don’t see, we’d love to hear from you. Share your feedback and get answers to any additional questions you have about our products and your data needs by contacting our team here.
How much does Plaid cost?
Can I test Plaid’s data and products?
We make it easy for you to validate our data and products. You can create an account on our site to gain immediate access to the platform and a live set of API keys. You’ll be able to add your first 100 live accounts for free in the development environment.
Once I’ve tested Plaid, how do I upgrade to a production-level account?
Please reach out to get your account upgraded to production. We’ll typically just need an executed license agreement, pricing addendum, and upgrade survey to grant production access!
Does Plaid process transactions?
We don’t process transactions (which actually sends money between accounts); instead, we instantly authenticate accounts for ACH—eliminating the need for users to enter account and routing numbers or deal with micro-deposits. Plaid authenticates account using online banking credentials, making it possible to begin transferring money immediately. This all happens with our Auth product—read more on our site.
We’re processor agnostic, so you can use any provider you like, but we’ve also partnered with Stripe to tokenize the whole process.
Does Plaid support Multi-Factor Authentication (MFA)?
Plaid Link handles all MFA for you already!
Does Plaid support business bank accounts?
Plaid supports both consumer and business bank accounts.
Does Plaid pull investment/loan/brokerage data?
Plaid can pull high-level asset balance information as relevant to the overall financial picture of a user. We don’t currently provide detailed account holding information, but we hope to do so in the future! If this is something you’re interested in, please drop us a note at firstname.lastname@example.org with specifics on your needs and use cases. We’re always looking to hear about how we can help.
Does Plaid support international bank accounts?
We’re currently focused on U.S. institutions. Expanding coverage to international banks is on our roadmap, but we don’t have a concrete timeline just yet.
How do I integrate with Plaid?
Plaid Link is the 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 Link documentation to get started right away.
Finally, how do you pronounce Plaid?
Our name rhymes with glad!
If you have additional questions, please reach out to our team via our contact page and we’ll respond shortly, we promise :).