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Plaid
Plaid is a financial technology company providing APIs and network connectivity for businesses to build financial products. Its platform supports bank-account linking, financial data access, identity verification, fraud and risk tools, credit underwriting, and bank payments.
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Liabilities
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Description
Liabilities is Plaid’s debt and loan data API product. It provides consolidated credit-card and mortgage details from major institutions, including APRs, balances, payment history, payment due dates, loan terms, credit limits, property addresses, and escrow balances, with real-time updates for rate changes and loans.Category: OnChain Data API
Auth
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Description
Auth is Plaid’s bank-account authentication product. Through a single API, it lets customers verify account ownership and share bank-account information from more than 12,000 financial institutions in the U.S., Canada, and Europe. It supports ACH account authentication in the U.S., EFT payments in Canada, and debit withdrawals in the U.K. and EU.Category: Payments Infrastructure
Identity
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Description
Plaid Identity is a Plaid product that retrieves account-holder information held by a financial institution and compares it with user-provided details through the /identity/get and /identity/match endpoints. It supports individual and joint accounts, enabling identity-data form autofill, account-ownership assessment, and fraud and account-takeover prevention during onboarding or changes to funding sources.Category: Decentralised Identity
Plaid Signal
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Description
Plaid Signal helps businesses assess ACH transaction risk using real-time Plaid Balance checks and machine-learning-powered Signal Transaction Scores. Its no-code decision dashboard and Rules Service support deploying, analyzing, and optimizing risk rules to identify low-risk payments and mitigate insufficient-funds, administrative-return, suspected-fraud, and dispute risk.Category: Payments Infrastructure
Plaid Transfer
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Plaid Transfer is Plaid’s all-in-one bank payments platform. It supports ACH, RTP, FedNow, Request for Payment, and wire transfers, with risk controls, configurable rules, payment-performance visibility, and integrations with Plaid tools. It supports account funding, lending, bill payments, insurance, wages, and customer payouts, and includes an API-first offering for SaaS platforms.Category: Payments Infrastructure
Identity Verification
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Identity Verification is Plaid’s product for onboarding and fraud prevention. It confirms identity information against regulated data sources, authenticates global ID documents, and uses liveness and face-to-ID matching. Its anti-fraud engine evaluates behavioral, email and phone, device and network, and synthetic or stolen-identity risk signals. Product, Compliance, and Risk teams can configure verification flows, risk rules, and exceptions without code, and deploy through no-code links, API-assisted hybrid flows, or an embeddable interface.Category: Service Provider
Investments
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Description
Plaid Investments provides APIs for developers to view users’ investment accounts, including holdings and transactions. Its holdings endpoint returns position details such as quantities, prices, values, cost basis, tax lots, and security identifiers, while its transactions endpoint returns activity such as buys, sells, splits, dividends, and cash transfers. It supports use cases including net-worth assessment, financial planning, performance reporting, and risk optimization.Category: Data
Transactions
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Description
Transactions is Plaid’s transaction-data product for credit cards, checking, savings, and student loan accounts. It provides enhanced merchant, category, channel, and location data, transaction categorization, real-time notifications when transactions are added, removed, or updated, and on-demand data refreshes for businesses and developers building spending and financial-management experiences.Category: Data
Balance
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Balance is Plaid’s real-time account-balance verification product. Its Balance endpoint returns available and current balances for linked accounts, helping businesses reduce overdraft and NSF fees and support account pre-funding in the US and Canada.Category: Pricing Data API
Plaid Monitor
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Plaid Monitor screens customers against sanctions, politically exposed person (PEP), and other regulatory watchlists that Plaid keeps current. It continuously rescans active customers daily, surfaces potential matches in the dashboard and through webhooks, and provides configurable matching, case workflows, assignments, user roles, and traceable audit records for AML compliance teams.Category: Uncategorized
Plaid Protect
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Plaid Protect is Plaid’s fraud intelligence platform built on the Plaid Network. It uses a dynamic trust score and up to 10,000+ signals—including network behavior, device intelligence, bank-account risk, identity-verification data, and consortium feedback—to identify suspicious activity across users, devices, and accounts. Teams can assess real-time risk, investigate flagged behavior, and turn findings into live fraud rules.Category: Risk Assessment
Investments Move
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Description
Investments Move is Plaid’s digital asset-transfer product for brokerage accounts. It lets customers link accounts from an app or website to retrieve consumer-permissioned, broker-sourced account data; verify user and account details; provide metadata such as account numbers, DTC codes, and balances; and supply standardized holdings data for full or partial transfers. It also supports fallback flows when direct brokerage connections are incomplete or unavailable, helping firms reduce rejections and manual errors, improve settlement rates, and grow assets under management.Category: Payments Infrastructure