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Return highly sensitive bank account and bank-identification numbers for Auth-compatible accounts on the stored Item, optionally filtered by account ID. Use only for an authorized bank-transfer setup; this does not move money.

Early Availability. Verify highly sensitive caller-supplied ACH account and routing numbers, and optionally an owner name, against Plaid's Database Auth data without using a linked Item. A successful verification creates a new Plaid Item and returns its item_id. This returns risk signals, not a guarantee that an account is valid or can accept a transfer. Contact Plaid to request endpoint access.

Cancel only after GET_TRANSFER showed transfer.cancellable=true and the caller explicitly confirms. This moves real money in production by changing its lifecycle. Once submitted to the payment network it cannot be canceled; RTP and FedNow are effectively immediate.

Irreversibly cancel an unused Plaid Transfer authorization after explicit confirmation. An authorization can be cancelled only before it is used. This does not cancel a created transfer; use CANCEL_TRANSFER for that lifecycle.

Start paid asynchronous creation of a one-Item Asset Report and return its sensitive report token and ID. Requesting Additional History beyond 61 days may add cost. A successful call means accepted, not ready. Wait for PRODUCT_READY before retrieval.

Create a sensitive audit-copy capability token that grants one participating third party access to the same underlying data as an existing Asset Report. Create a separate token for each auditor and disclose it only to that auditor.

Create a Plaid Link or Hosted Link session for a new bank connection, or an update-mode session for the Item stored on this connection. Give the hosted_link_url to the bank owner. After they finish, the public_token must be exchanged on the customer's backend and the access_token saved on this connection.

Create a European Payment Initiation payment intent for a previously created recipient. This can move real money after Link authorization. Explicit confirmation is required. The returned INPUT_NEEDED status is not payment completion. Do not retry after an ambiguous failure without first resolving whether a payment was created. Scheduled standing orders cannot be modified or canceled through the API after creation.

Create an unauthorised Payment Initiation consent for one recipient, with explicit per-payment and periodic limits. This does not move funds; the user must authorise the consent before it can execute payments.

Create or reuse a European Payment Initiation recipient from sensitive IBAN or Bacs destination details. This does not create a payment or move money.

Move money using an approved, unexpired, unused authorization_id. authorization_id must be the id returned by CREATE_TRANSFER_AUTHORIZATION. This action never authorizes implicitly. This moves real money in production. Verify every material term and explicitly confirm immediately before calling.

Authorize a proposed US Plaid Transfer and return the authorization decision. This does not itself move money, but can incur charges and count against limits. authorization_id is required by CREATE_TRANSFER. Proceed only when the decision is approved.

Download a ready Asset Report as a PDF file reference. This endpoint is billed per request.

Download one institution statement PDF. statement_id must come from LIST_STATEMENTS for this same Item.

Enrich up to 100 caller-supplied US or Canadian transactions without creating or changing a Plaid Item. This action does not create or change a Plaid Item. Billing is based on the number of submitted transactions.

Execute one payment under an authorised Payment Initiation consent. This moves real money in production and requires explicit immediate confirmation. Reuse the same idempotency key only when retrying the same payment after an ambiguous network failure.

Create a new Asset Report excluding selected accounts. The original is unchanged and no fresh data is fetched. Wait for PRODUCT_READY before retrieval.

Return active accounts and cached balances for the single Plaid Item stored on this connection, optionally filtered by account ID.

Retrieve a ready Asset Report by its sensitive report token, optionally requesting insights, Fast Assets, or a bounded history projection.

Request refreshed real-time balances for accounts on the single Plaid Item stored on this connection. This paid endpoint can take more than 30 seconds.

Return highly sensitive PII parsed from bank statements uploaded through Identity Document Upload, plus document metadata and optional fraud-risk signals, for the stored Item. Restrict access to the authorized verification workflow; never log or persist the raw response body.

Return one Plaid institution by ID, optionally including status, branding, Auth, or payment metadata; no linked Item is needed.

Return investment accounts, current holdings, and referenced securities for the single Plaid Item stored on this connection.

Return one reverse-chronological page of investment transactions in a date range for the stored Item.

Return health, institution, consent, and product status for the single Plaid Item stored on this connection.

Return available credit-card, mortgage, student-loan, closed-end loan, and line-of-credit details for the Plaid Item stored on this connection.

Return status, events, exit details, completion metadata, and sanitized result metadata for a Link session. It never returns the link_token or any public_token. Status and metadata only.

Retrieve one Payment Initiation payment and its sensitive payer, recipient, refund, and status details. Do not poll this action for Production status; use PAYMENT_STATUS_UPDATE webhooks.

Retrieve a Payment Initiation consent's status, recipient, payer details, and payment constraints.

Retrieve one European Payment Initiation recipient and its sensitive destination details by recipient ID.

Return Plaid's latest detected recurring inflow and outflow streams for the stored Item, optionally filtered by account.

Return one reverse-chronological page of transactions in a date range for the stored Item. Prefer SYNC_TRANSACTIONS for new incremental integrations.

Retrieve one Plaid Transfer. Exactly one of transfer_id or authorization_id is required.

Retrieve one Plaid Transfer sweep. The result contains settlement-sensitive funding-account, ledger, amount, status, settlement-date, and trace data; do not treat pending or expected dates as final settlement.

Return the public ES256 JWK identified by the kid in a Plaid-Verification JWT so a caller can verify a webhook. Require JWT alg ES256, reject iat older than five minutes, and constant-time compare request_body_sha256 against the exact raw body.

Return sensitive account-holder identity data reported by the institution for accounts on the stored Item, optionally filtered by account ID. Names are guaranteed; email addresses, phone numbers, and mailing addresses can be empty.

Compare sensitive identity data with institution account-holder data and return per-account match scores. Scores are risk signals, not proof of identity or ownership.

Return one offset-controlled page of events from Plaid's legacy Bank Transfer product, including Auth micro-deposit updates. This is separate from the current Plaid Transfer product and /transfer/event/list.

List one chronological page of sensitive Link-originated Identity Match attempts retained for up to one year. This client-level endpoint requires separate Plaid enablement in addition to Identity Match access. Pass next_cursor with the same time window while has_more is true.

Return one offset-controlled page of Plaid-supported institutions for selected countries. No linked Item is needed.

Return one cursor-controlled page of European Payment Initiation recipients. Pass next_cursor unchanged; Plaid may repeat the cursor recipient and this action does not silently deduplicate it.

Return one time-cursor page of Payment Initiation payments, optionally filtered by consent. Pass next_cursor to continue; null terminates pagination.

List available statement metadata for all supported accounts on the Plaid Item stored on this connection.

Return one offset-controlled page of Plaid Transfer lifecycle events and continue while has_more is true.

Return one offset-controlled page of Plaid Transfers. Because Plaid returns no total or has_more value, continue only when next_offset is present.

Return one offset-controlled page of Plaid Transfer sweeps. Results contain settlement-sensitive funding-account, ledger, amount, status, settlement-date, and trace data; do not treat pending or expected dates as final settlement.

Start asynchronous creation of a separately priced new Asset Report with fresh data from an existing report. The original is unchanged. Success means accepted, not ready. Wait for PRODUCT_READY before retrieval.

Start a paid asynchronous refresh of holdings and investment transactions for the stored Item. Success only acknowledges the request. Read results after update webhooks.

Start paid asynchronous extraction of statements in a date range. A successful response only acknowledges initiation. Wait for STATEMENTS_REFRESH_COMPLETE before listing results.

Start a paid on-demand, asynchronous extraction of newer transactions for the Plaid Item stored on this connection. A successful response only acknowledges that Plaid started the refresh; after Plaid finishes, read the results with SYNC_TRANSACTIONS or GET_TRANSACTIONS.

Permanently invalidate an Asset Report token and all associated audit-copy tokens. This cannot be undone and does not remove underlying Items. Use only after explicit confirmation.

Permanently invalidate one sensitive audit-copy capability token, immediately revoking access for every holder of that token. The Asset Report, its Items, and other Audit Copies remain accessible. This cannot be undone; use only after explicit confirmation.

Reverse a settled Payment Initiation payment originally sent to a Plaid virtual account. This reverses real money in production to the source account and requires explicit immediate confirmation. Omit amount only to refund all remaining refundable funds. Reuse the same idempotency key only when retrying the same reversal after an ambiguous network failure.

Permanently revoke a Payment Initiation consent so it can no longer initiate payments. This destructive action requires explicit immediate confirmation.

Sandbox only. Create up to 10 custom transactions on the stored Sandbox Item for testing. No real funds move.

Sandbox only. Queue one supported test webhook for the stored Sandbox Item. No real-world effect or money movement occurs.

Sandbox only. Force the stored Sandbox Item into ITEM_LOGIN_REQUIRED for testing. Recover it through Link update mode.

Sandbox only. Set an Automated Micro-deposit account on the stored Sandbox Item to automatically_verified or verification_expired.

Sandbox only. Simulate a supported Payment Initiation status and trigger its status webhook. This does not create a real bank transaction and no real funds move.

Sandbox only. Simulate a supported lifecycle event for an existing Sandbox Transfer. No bank transaction is created and no funds move.

Sandbox only. Queue a test TRANSFER_EVENTS_UPDATE webhook. No funds move.

Search up to ten Plaid institutions by name, countries, and optional required product support; no linked Item is needed.

Report whether the ACH transaction associated with a prior Signal evaluation was initiated and record its effective decision for analytics and rule tuning. This action does not initiate an ACH transaction.

Evaluate return risk for a planned US ACH transaction without moving money. This action does not move money. client_transaction_id is the idempotency key. Reusing it returns the prior evaluation. A Dashboard Signal Rules ruleset must exist before use. Signal Transaction Scores evaluations are billed per request.

Pre-load scoring data for an existing Item before its first Signal Transaction Scores evaluation. Use only after the user consented to signal in Link, such as through update mode with signal in additional_consented_products, when signal was not otherwise initialized. It has no effect for Balance-only rulesets or an Item already initialized with signal, and it does not return a score. Signal Transaction Scores billing is per /signal/evaluate call, not this preparation call.

Record an ACH return against the client_transaction_id from a prior Signal evaluation for model feedback and rule analytics. This action does not move funds.

Return up to 25 events after a cursor from Plaid's legacy Bank Transfer product, including Auth micro-deposit updates. This is separate from the current Plaid Transfer product; persist next_after_id for the next poll.

Return one page of transaction additions, modifications, and removals after a cursor for the stored Item. Persist next_cursor and continue while has_more is true. If pagination fails with TRANSACTIONS_SYNC_MUTATION_DURING_PAGINATION, restart the current loop from its original first-page cursor.

Return one cursor-controlled page of current Plaid Transfer lifecycle events. Use has_more to drain the current backlog and persist next_after_id for the next call.

Replace the webhook URL for the stored Item. Explicitly pass null to remove the webhook.