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  • Plaid Check
    • Payments and Funding
    Financial Insights
    KYC and AML Compliance
    Instant Onboarding
    Credit and Underwriting

    Quickstart

    Learn about Plaid's key concepts and run starter code

    Get started

    API Reference

    Explore server-side API libraries and integrate with API endpoints

    View reference

    Link

    Link, Plaid's client-side component, helps your users connect their accounts

    Build with Link

    Payments and Funding

    Auth

    Retrieve bank account information for ACH, wire, and other bank-to-bank transfers.

    Balance

    Retrieve real-time balance information to prevent ACH returns.

    Identity

    Verify users' financial account ownership and reduce fraud.

    Signal

    Reduce fraud and provide instant funds access by assessing the return risk of an ACH debit transaction.

    Transfer

    Send and receive money end to end with Plaid.

    Payment Initiation (Europe)

    Initiate payments within your app.

    Virtual Accounts (Europe)

    Use with Payment Initiation to manage the entire lifecycle of a payment, and enable cashouts and refunds.

    Financial Insights

    Transactions

    Retrieve transaction data for budgeting tools, expense management, and more.

    Investments

    View holdings and transactions from investment accounts.

    Liabilities

    Access loan data, like balances and interest rates, for student loans, mortgages, and credit cards.

    Enrich

    Add detailed information and insights to your existing transactions data.

    KYC and AML Compliance

    Identity Verification

    Global KYC compliance and anti-fraud. Verify user identity data and documents.

    Monitor

    Use with Identity Verification to enable sanction, PEP, and watchlist screening for anti-money laundering compliance.

    Instant Onboarding

    Layer

    Onboard users instantly with just a phone number.

    Credit and Underwriting

    Assets

    Access users' financial information for loan underwriting.

    Statements

    Get PDF statements directly from the user's bank, for underwriting verification and compliance.

    Income

    Verify income and employment, for lending use cases and more.