Plaid

plaid.com ↗

Plaid helps all companies build fintech solutions by making it easy, safe and reliable for people to connect their financial data to apps and services. Enrich brings clarity to the transaction data you’ve generated from your card products and bank accounts, or from non-Plaid sources. Predict ACH return risk with Plaid Signal using network data and machine learning to approve more low-risk payments, reduce returns, and boost conversion.

Products

AuthPlaid's Auth API product allows companies to instantly authenticate bank accounts for payments and set up ACH transfers from any bank.
IdentityInstantly verify bank account ownership and match user ID data with Identity. Plaid's identity matching API helps teams reduce fraud and speed up onboarding.

The difference is scope: Identity and Identity Match confirm bank account ownership using data from the linked account, while Identity Verification (IDV) verifies who a person is for KYC using ID and biometric checks, not bank data. Source ↗

BalanceReduce ACH NSF returns with Balance, Plaid's real-time account balance check. Go live fast with no-code rules, then upgrade to Signal Transaction Scores.
SignalPredict ACH return risk with Plaid Signal using network data and machine learning to approve more low-risk payments, reduce returns, and boost conversion.
TransferTransfer helps users move money quickly and securely on the rail of their choice. Simplify bank transfers and improve performance with a single powerful API.
Identity VerificationVerify your users’ identities, around the world. Ensure know your customer (KYC) and customer due diligence (CDD) compliance while improving conversion rates.
MonitorReach out if we didn’t answer yours.
TransactionsDrop onboarded 500,000 new customers in the first 6 months.
InvestmentsGet started View API docs
LiabilitiesAccess detailed loan data all with a simple endpoint. Liabilities helps you retrieve details on major debts, like credit cards, and mortgages.
EnrichEnrich brings clarity to the transaction data generated from your banking products, or from non-Plaid sources. Enhancements include merchant, category, and location insights.

Enrich brings clarity to the transaction data you’ve generated from your card products and bank accounts, or from non-Plaid sources. Send us your unstructured data and we'll return categorized data and insights including merchant details, category, location and counterparties. Source ↗

AssetsContact Us View API docs
Investments MovePlaid’s Investments Move helps brokerages automate asset transfers, reduce rejections, and improve conversion with broker-sourced data.
ProtectPrevent fraud, not growth. Get a real-time fraud score at any step of the user journey with Plaid Protect.

Plaid Protect is an AI-powered fraud intelligence platform built on the Plaid Network, giving you visibility into how users, devices, and bank accounts move across the financial ecosystem to detect fraud in real time. Source ↗

Cash Advance IndexMake better cash advance decisions with network insights. Assess repayment risk, optimize amounts, and adjust collection strategy across the lifecycle.

The Cash Advance Index (CAI) is Plaid's purpose-built delinquency risk model for cash advance providers. It predicts the likelihood of repayment within 30 days across multiple advance amount buckets by combining cash flow attributes with Plaid's proprietary network intelligence—giving providers a more complete risk signal than point-in-time transaction analysis alone. Source ↗

Guaranteed PaymentsPlaid Guaranteed Payments guarantees settlement against ACH returns enabling companies to scale their payments programs without risk.
Database AuthNo matter where your customers bank or how they verify their accounts, our database makes sure you can approve with confidence. Talk with our team View API docs.
Core exchangeBuild FDX-aligned APIs your institution can use to connect with Plaid and other organizations. Connect to the world of open finance with Core Exchange.
App directoryPlaid's App Directory provides a streamlined dashboard with insights on up-to-date customer connections to help manage risk and compliance.
Permissions managerHelp your users manage all of their connections to Plaid-powered apps with a custom consumer permissions portal. Build better with Plaid.

Customer feedback

Marketing & Ads

GooglePLAID INC.
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LinkedInPlaid
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Expand loan approvals, not your stack

Expand loan approvals, not your stack

Add cash flow data to the FICO workflows you already run. See what it can do for your lending strategy.

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Plaid makes AI work in finance

Plaid makes AI work in finance

Perplexity “wouldn’t have the same level of trust” without Plaid.

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Plaid's Fall Release 2026

Plaid's Fall Release 2026

LendScore Arc is Plaid’s first transformer-based credit risk model. It gives you a deeper view of financial behavior.

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Plaid's Fall Release 2026

Plaid's Fall Release 2026

Our team dives into how we built a new foundation model that understands financial activity as a sequence to help identify fraud.

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Plaid makes AI work in finance

Plaid makes AI work in finance

Perplexity “wouldn’t have the same level of trust” without Plaid.

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Plaid's Fall Release 2026

Plaid's Fall Release 2026

Plaid Protect offers fraud protection you can’t get anywhere else, built on Plaid’s real-time intelligence across users, devices, and accounts.

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Plaid's Fall Release 2026

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Plaid Protect offers fraud protection you can’t get anywhere else, built on Plaid’s real-time intelligence across users, devices, and accounts.

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Plaid's Fall Release 2026

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With Guaranteed Payments, Plaid’s insights got broader, data got deeper, and ACH risk and fraud models got stronger. Learn how.

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With Guaranteed Payments, Plaid’s insights got broader, data got deeper, and ACH risk and fraud models got stronger. Learn how.

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Plaid's Fall Release 2026

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Plaid's Fall Release 2026

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Plaid's Fall Release 2026

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Plaid's Fall Release 2026

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Plaid's Fall Release 2026

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With Guaranteed Payments, you no longer have to choose between holding money and holding risk—Plaid can do both. See how it works

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Plaid's Fall Release 2026

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With Guaranteed Payments, you no longer have to choose between holding money and holding risk—Plaid can do both. See how it works

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Plaid's Fall Release 2026

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With Guaranteed Payments, you no longer have to choose between holding money and holding risk—Plaid can do both. See how it works

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Plaid's Fall Release 2026

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We created specialized models for auto, home lending, and short-term lending, with models trained on risk patterns for each segment.

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Plaid's Fall Release 2026

Plaid's Fall Release 2026

Plaid’s Fraud Foundation Model reads financial activity as a sequence, giving you a better picture. And it now powers Trust Index in Protect.

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Plaid makes AI work in finance

Plaid makes AI work in finance

Plaid and ChatGPT make personal finance easier.

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Plaid makes AI work in finance

Plaid makes AI work in finance

Perplexity “wouldn’t have the same level of trust” without Plaid.

Learn more

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Contact us | Plaid ↗

We love hearing from you! Contact the Plaid team with sales, partnerships, press, and brand inquiries

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