Plaid Release Notes

Updated the error object inside of webhooks to return display_message: null rather than omitting the display_message field if there is no associated display message, in order to match the documented behavior, as well as the behavior of error objects that are returned by the Plaid API outside of a webhook context.

For Auth

• Stripe has announced that it will begin to migrate existing customers off of the older Charges and Sources API. Plaid has directly reached out to all impacted customers using the Stripe Charges and Sources x Plaid Auth integration with a list of options for moving forward. If you believe you may be impacted but did not receive an email, contact your Plaid account manager or support. Note that this change does not impact users of the newer Stripe Payment Intents integration (most customers who integrated Stripe x Plaid in 2024 or later are using this newer API). In addition, new customers integrating with Stripe x Plaid for the first time must use the Payment Intents API going forward and can no longer use Charges and Sources.
• Released access to Database Auth via API, using the /auth/verify endpoint. This feature is currently in Early Availability; to request access, contact your Plaid account manager.

For Plaid Check Consumer Report

• Beginning March 3, 2026, the consumer_report_permissible_purpose field must be included in /link/token/create when creating a Link token for a Consumer Report product. Existing customers who are impacted by this change have been contacted by their account managers and may have arranged custom migration deadlines.
• Announced April 1, 2026 as the beginning date for the optional migration to User APIs. To enable this migration, on April 1, existing customers on the older APIs will begin to get both the new and old webhook versions for revised webhooks.

Added Domains functionality to Dashboard

Added Domains functionality to Dashboard, enabling the ability to associate a domain with a Plaid team and automatically invite all new Dashboard users with a verified email address matching that domain to join your Plaid team.

Added user_id field to webhook payloads

Added user_id field to webhook payloads for the following webhooks: SYNC_UPDATES_AVAILABLE, PENDING_EXPIRATION, ERROR, LOGIN_REPAIRED, INVESTMENTS_TRANSACTIONS: DEFAULT_UPDATE, INVESTMENTS_TRANSACTIONS: HISTORICAL_UPDATE, HOLDINGS: DEFAULT_UPDATE, LIABILITIES: DEFAULT_UPDATE, PENDING_DISCONNECT, USER_PERMISSION_REVOKED, NEW_ACCOUNTS_AVAILABLE, USER_ACCOUNT_REVOKED, SESSION_FINISHED.

Released the React Native SDK version 12.8

Released the React Native SDK version 12.8, with bug fixes for Layer events and Android Proguard rules.

Announced the dates of the Bank of America API migration

Announced the dates of the Bank of America API migration. From February through mid March 2026, the new API is being gradually rolled out for new Items. Throughout the period of mid March 2026 - late October 2026, existing Items will gradually be disconnected from the old Bank of America API and must be connected to the new Bank of America API by going through update mode. To minimize disruptions, listen for the PENDING_DISCONNECT webhook. Upon receiving the webhook, prompt the user to go through the Update Mode flow for the Item, which will migrate the Item to the new API. One week after the PENDING_DISCONNECT webhook was fired for a given Item, if the Item has not yet gone through update mode, it will be disconnected from the old API and will enter the ITEM_LOGIN_REQUIRED error state. Sending the Item through update mode will move it to the new API and restore it to a healthy state.

For Plaid Check Consumer Report

Added new permissible purpose for Consumer Report generation, ELIGIBILITY_FOR_GOVT_BENEFITS, to represent reports generated in connection with an eligibility determination for a government benefit where the entity is required to consider an applicant’s financial status pursuant to FCRA Section 604(a)(3)(D).

For Layer

In the /user_accounts/session/get response, added edits_current field to the identity_edit_history object, indicating how many times the user manually edited the prefilled data provided by Layer.

For Identity Verification:

For the Document Verification flow, enhanced accuracy at detecting when the document presented is not a physical document. These enhancements will be applied automatically; customers do not need to take any action.

For Layer:

Released Intelligent Account Sorting. By default, Layer orders accounts in Link based on which one is likeliest to have the highest conversion. With Intelligent Account Sorting, you can instead prioritize either the highest-balance account or the account that Plaid detects as being the user's primary bank account. The prioritized account will have a "Recommended" badge displayed next to it in Link. Intelligent Account Sorting may be a good fit for customers are using Layer in flows for cashflow underwriting, EWA, or cash advance. To enable Intelligent Account Sorting, contact your Plaid Account Manager, and specify which prioritization scheme (primary account or highest balance account) you prefer and which Link customizations the scheme should be applied to.

For Protect:

Added environment field to Protect webhooks.

For Signal:

Signal is now visible in the Dashboard left navigation for all customers. This change allows all customers to build with Signal Rules in Sandbox, even before they have been approved for Production access.

For Virtual Accounts:

Added payee_verification_status field to WalletTransaction schema. This field indicates the result of payee verification checks for EUR payouts.

Plaid Data Validity in /link/token/create

Starting in late January or early February 2026, Plaid will begin enforcing data validity for user information included in /link/token/create API requests. If a phone number, address, name, or email sent in the user object is malformatted, the call will fail with the error INVALID_USER_IDENTITY_DATA. This will not impact integrations that do not send user PII in /link/token/create.

iOS SDK Release

Released iOS SDK v6.4.3, adding support for certain experimental and/or limited-availability Layer features.

For Transfer

Same-Day ACH Transfers Cutoff

Starting in early February 2026, the cutoff time for Same-Day ACH transfers will move from 3:30pm ET to 3:00pm ET.

For Identity Verification:

Added facial_duplicates object, containing details about facial duplicate results, to risk_check object.

Made Trust Index scores accessible via the API, as well as via the Dashboard.

For Plaid Check Consumer Report:

Redesigned the PDF report returned by /cra/check_report/verification/get, including a detailed overview of a borrower’s connected accounts with current and average balances, a breakout of deposits and withdrawals, and total inflows/outflows for each account.

Announcements

Bank of America API migration

Announced upcoming Bank of America API migration and consent expiration. Existing Bank of America Items can be migrated to the new Bank of America API beginning in early 2026 and must eventually be migrated to avoid entering an ITEM_LOGIN_REQUIRED state. The exact beginning and end dates of the migration will be announced in 2026. Bank of America Items on the new API will have a 12-month consent expiration applied.

Plaid User APIs

Released Plaid's new User APIs, supporting all new integrations of Plaid Check, Multi-Item Link, and Plaid Protect. The User APIs create a single, simplified representation of a user via the user_id field and will be the representation used by the Plaid API going forward. Customers with existing integrations should continue to use user tokens; migration instructions will be released in 2026. See New User APIs for more details.

For Link

Ended support for Modular Link, a specific form of Link only available in Europe.
Improved the ability of the returning user experience to recognize a returning user on the same device.

For Layer

Added support for the SESSION_FINISHED webhook, allowing backend detection of when a session is complete and public_token delivery.
Added the following template improvements:

Template improvements

• Layer template support for required_if_supported_products, optional_products, and additional_consented_products.
• A custom preferred institutions list, allowing you to select which institutions are prioritized.
• Customizing whether the SSN shown in Link is masked.
• The ability to set criteria to pre-select certain accounts in Link, like those with the highest balance or recent income, to encourage users to share those. (This feature is in closed beta; contact your account manager for access.)

For Transactions

Released Personal Finance Categories v2 (PFCv2). PFCv2 includes both improved transaction categorization accuracy (approximately 10% improvement at the category level and 20% improvement at the subcategory level) and a new, more granular transaction schema with additional categories specifically useful for Earned Wage Access (EWA) use cases, with six additional income subcategories, six additional loan disbursement subcategories, and three additional loan repayment subcategories. Additional subcategories have also been added for bank fees.
To opt in to PFCv2, existing customers should set personal_finance_category_version to v2 in the /transactions/sync, /transactions/get, or /transactions/enrich request. Opting in to PFCv2 is required for existing customers to receive the new, more granular subcategories. To receive the PFCv2 accuracy improvements, customers do not need to opt in to PFCv2 (with the exception of a small subset of customers in the EWA industry). All new customers enabled for Transactions after December 3, 2025 will be opted in to PFCv2 by default.

For Identity Verification

Added latest_scored_protect_event field to response objects in the Identity Verification endpoints.

For Plaid Check Consumer Report

Improved data normalization of the employer_name field.

If the data retrieved by Plaid for a Consumer Report shows strong signs of being inaccurate (e.g. balance history and transaction history inconsistent with each other, or transaction history contains duplicate transactions), the report generation will now fail with a DATA_QUALITY_CHECK_FAILED error. This is estimated to impact approximately one in one thousand report generation attempts. If you experience this error, wait at least 24 hours and then try again.

For /cra/check_report/income_insights/get

• added bank_income_source.status and bank_income_source.income_provider fields.
• make income_provider nullable.

Fixed an issue in which unhealthy Items would occasionally continue to be reported as healthy and never enter the ITEM_LOGIN_REQUIRED state.
Delays with Chase OAuth registration have been resolved. Chase registration will now typically complete in approximately 1-2 business days for new clients. If you have received Production access and completed your Security Questionnaire over two weeks ago and do not yet have Chase access, contact your Account Manager or file a support ticket.

For Link:

Released iOS SDK v6.4.2, resolving a syncFinanceKit crash when running on iPad on compatibility mode.
Released Android SDK v.5.5.0, with the following improvements: made LinkErrorCode.errorType public, fixed bug where Layer "auto" customization for light/dark mode was always dark, and added onLoad callback to Plaid.create for detecting when Link is ready to present.
Released React Native SDK v12.6.1, updating the iOS SDK to v6.4.2 and improving internal logging and debugging to help diagnose customer issues more effectively.
Released React Native SDK v12.7.0. This version adds onLoad to LinkTokenConfiguration, fired once when Link is fully loaded and ready to present. You can use it to manage your own loading UI or defer presentation until ready.

For Auth:

PNC TAN expiration, previously scheduled to begin in January 2026, has been postponed until further notice. Further updates on PNC TAN expiration are not expected until 2026. The changelog will be updated when new information is available.

For Assets:

Added Account Insights to Asset Reports in Europe. Account Insights includes many fields providing detailed information on a end user's credit risk and affordability, including insights about spending activity, income, atypical transactions, minimum and negative balances, loan payment activity, and gambling activity. Account Insights is only available in Europe. US customers seeking similar information should use Plaid Check Consumer Report.

For Plaid Check Consumer Report:

Added support for investments holdings and accounts in reports, such as Home Lending Report.

For Identity Verification:

For Document Verification, issue_date is now exposed in the API where relevant; previously this information was only available via the Dashboard.

For Transfer:

Partners can now use access tokens belonging to one of their end customers to call /transfer/authorization/create, allowing them to more easily initiate transfers even if the end customer performed the initial Item creation.
PNC TAN expiration, previously scheduled to begin in January 2026, has been postponed until further notice. Further updates on PNC TAN expiration are not expected until 2026. The changelog will be updated when new information is available.