Plaid is a data network that powers the fintech tools millions of consumers rely on to live healthier financial lives. Plaid enables consumers to connect financial accounts at over 1 1,000 institutions globally to more than 2,600 apps and services, including Transferwise, Venmo, Expensify, and Sage. Today, we support developers and businesses across the US, Canada, UK, and Europe.
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Transactions - access detailed transaction history. Transactions delivers a continuous stream of account activity so you can offer rich insights and experiences to your users.
Auth - one comprehensive solution for account authentication. Auth makes it easy to set up accounts from any bank or credit union in the U.S. for ACH payments. With Plaid’s secure login module, users are automatically guided to the best way to link their account based on the financial institution they select. Once a user links their account, Plaid provides the customer with their account and routing numbers to set up ACH payments in a matter of moments. Auth works with any ACH processor and manages the technical challenges- such as input validation, error handling, and multi-factor authentication. In the UK and Europe, Auth enables a seamless setup for direct debits and payouts.
Payment Initiation - initiate payments within your application. Payment initiation allows users to initiate payments without leaving their application or website, improving customer experience and increasing conversions.
Balance - verify real-time account balances. Balance returns the amount of funds in an account in real-time. In the US and Canada, this makes it possible to accept ACH or EFT payments with greater confidence and schedule payments for the right time.
Identity - verify users identities and reduce fraud. Identity enables you to verify user identities against what’s on file at the bank. In addition to mitigating fraud and risk, Identity makes user onboarding easier through the use of auto-fill forms.
Assets - verify borrowers assets straight from the source. Assets streamlines the borrower experience and drives efficiencies through digital asset verification. Retrieve a consolidated Asset Report showing account balances, historical transactions, and account holder identity information.
Investments - build a holistic view of a users investments. Investments enables developers and businesses to gain insight into a user’s investment accounts- including account balances, holdings, and transactions.
Liabilities - access detailed student loan and credit card account data. Liabilities enables developers and businesses to see a view of a user’s financial obligations, including student loans and credit card debt.