Plaid
Plaid: Enabling all companies to build fintech solutions.
Connections
12,000+ financial institutions
App Ecosystem
8,000+ fintech apps
Consumer Accounts
1 in 3 US adults have connected
About Plaid
Plaid is a financial technology platform that enables applications to connect with users' bank accounts. Its API network links to over 12,000 financial institutions across North America and Europe. Key products include Auth for authenticating accounts for ACH, Balance for real-time balance checks, Identity for user verification, and Transactions for accessing categorized transaction history. Plaid also offers payment initiation services. It's a developer-centric platform widely used in personal finance management apps, lending platforms, consumer payment applications, and digital banking services, providing the tools to build and scale financial products securely.
Core Data Products
Transactions
Access up to 24 months of categorized transaction history.
Identity
Verify user identities and reduce fraud using bank account data.
Balance
Check real-time account balances to prevent overdrafts.
Auth
Instantly authenticate bank accounts for ACH payments.
Investments
Access users' investment accounts, holdings, and balances.
Payment & Onboarding Solutions
Payments
Initiate and manage payments via ACH, RTP, and FedNow.
Transfer
API to authorize and manage bank-funded transfers.
Signal
Transaction risk analysis to reduce ACH return rates.
Link
Secure, embeddable front-end module for connecting accounts.