Plaid Release Notes

For Link

• Released iOS SDK v7.0.2, containing a fix for an issue in which onSuccess would sometimes not be called.
• Released iOS SDK v7.0.3, containing a fix for missing fields in the onSuccess callback.

For Plaid Check Consumer Report

• Added the ability to suppress the GSE details section from appearing in the PDF Home Lending Report via a new hide_gse_details parameter in /cra/check_report/verification/pdf/get.
• To aid in troubleshooting, added error, repairable_items, and failed_products fields to the CHECK_REPORT_FAILED and USER_CHECK_REPORT_FAILED webhooks.
• Added an exclusion_code to ultrafico_score_results, exposing the FICO exclusion code that explains why an UltraFICO® score could not be computed.

For Identity Verification

• Added the new user.ip_address field to the /identity_verification/create request object, allowing customers who use the backend-only flow to send an IP address for use in risk evaluation.

For Investments Move

• Significantly improved institution coverage, now supporting ACATS transfers at 2,700 institutions.

For Liabilities

• Significantly improved coverage and fill rates for credit card APR data.

For Signal (Balance)

• Balance integrations that call /signal/evaluate with a Balance-only ruleset are no longer subject to Signal risk consent enforcement. These calls do not require the end user to consent to Signal Transaction Scores and will not return the ADDITIONAL_CONSENT_REQUIRED error. This relaxes the consent requirement announced on June 16, 2026, which now applies only to calls that use Signal Transaction Scores-powered rulesets.

For Transfer

• Announced the release of Guaranteed Payments in Early Availability.
• Added support for additional use cases, including certain remittance and gaming use cases.

For Identity Verification

• Added a map-based visualization showing the end user's associated locations, including their IP address geolocation, reported address, and document address. The visualization also reports the distance between these locations and provides a risk level assessment based on the degree of location discrepancy.
• Added new fraud labels and a new categorization scheme. New categories and associated labels are: User account and identity (labels: user account takeover, stolen identity, sythnetic identity, multiple user accounts, scam victim), bank account or payment method (labels: bank account takeover, bank account connection, card testing), transaction (labels: unauthorized transaction, card chargeback, ACH return, dispute), and behavior (labels: first-party fraud, missed payment, loan stacking, money laundering).

For Investments

• Added support for OpenFIGI securities data via the new figi field. Because the FIGI identifier, unlike CUSIP and other identifier fields, is immutable, both clients and Plaid can now more accurately track a holding's identity, without being impacted by corporate actions such as name changes, acquisitions, and delistings.

For Layer

• Made the ability to enable Intelligent Account Sorting self-serve via the Dashboard.

For Transactions

• Added cash advance, late fee, membership fee, returned item fee as possible values to the transaction_code enum.

• Added FRAUD_TRANSACTION to the reason_code enum used by /item/products/terminate and /user/products/terminate, for terminating an Item due to transaction-level fraud (e.g. unauthorized transactions, card testing, chargebacks, ACH returns, or disputes).

• Redesigned the Support experience in the Dashboard for less friction and faster issue resolution:

  • Reach Known Issues and submit a case in fewer steps.
  • Bill, Plaid's AI assistant, is now an optional resource available throughout the process, rather than a required step during case creation.
  • More actionable Known Issues content and broader coverage.
  • Improved case management, including the ability to filter by associated institution and to distinguish regular cases, Known Issues you are following, and business-critical cases.

For Link:

• Released Android SDK v6.0.0, a major release rebuilt in Kotlin with a session-based API. This version reduces the SDK footprint by roughly 74% (from ~4.5 MB to ~1.2 MB) and adds an onLoad callback for background preloading. The legacy Plaid.create, PlaidHandler, and FastOpenPlaidLink APIs are removed, and the minimum supported Android version is raised to API 26 (Android 8.0). For a complete list of changes and migration guidance, see the Release notes.
• Released React Native SDK v13.0.0, a major release rebuilt on Expo Modules that replaces the legacy global APIs (create, open, PlaidLink, usePlaidEmitter) with session objects (createPlaidLinkSession, createPlaidLayerSession, createPlaidHeadlessSession), and adds Embedded Search and Headless Link support. The iOS LinkKit.xcframework is now bundled directly in the npm package, as LinkKit 7 no longer supports CocoaPods distribution. For a complete list of changes and migration guidance, see the Release notes.
• Released React Native SDK v13.0.1, containing a fix for Expo SDK 56 iOS prebuild failures.
• Released React Native SDK v13.0.2, which bundles iOS LinkKit 7.0.1 and restores React Native wrapper detection on iOS and Android.
• Released iOS SDK v7.0.1, containing a fix for React Native version parsing.

For Income:

• Added support for the Form I-20 US immigration student document to /credit/payroll_income/get.

For Plaid Check Consumer Report

Beginning later this year, customers must request all Plaid Check products they plan to retrieve in the products array when calling /link/token/create or /check_report/create. Clients will no longer be able to generate and retrieve CRA products through /get endpoints if those products were not requested during /create. Attempting to do so will result in a PRODUCT_NOT_REQUESTED error. For customers who do not already use this pattern, this requirement will be enforced beginning July 2026; for customers who have existing integrations using this pattern, the change will not be enforced until September 2026. If you are an impacted existing customer, your Plaid account manager will reach out with more details.

For Partner Insights, added reason_codes array to CraPartnerInsightsBaseFicoScore and negative_reason_codes/positive_reason_codes arrays to CraPartnerInsightsUltraFicoScore. The corresponding individual reason_code_1 through reason_code_4 and positive_reason_code_1 through positive_reason_code_4 fields are now deprecated.

For Investments

Added tax lot details (where available) to the holding schema via the new tax_lots field.

For Transfer

To support the Guaranteed Payments feature, added requested_amount to the proposed transfer object on the /transfer/authorization/create response, and added guarantee_details object to the Transfer and TransferAuthorization schemas.

Updated the Institution Status page in the Dashboard. New features include:

• Personalized data for your integration, including connection health rates specific to your integration, the ability to sort institutions by traffic from your app, and granular breakdowns of connection issues showing how many of your Items are affected by each.
• Improved filtering and UI, including the ability to filter the display by product and by new versus pre-existing issue, and to customize the time frame the data is shown for.
• Display of known issues that may contribute to a connection error and the ability to subscribe to these issues to be notified when they are resolved.

For Link

• Released React Native SDK v12.8.2, containing various bug fixes.
• Released React Native SDK v12.8.3, containing a fix for compatibility issues with Expo 55.
• Released iOS SDK v.7.0.0, a major release introducing a modernized, session-based architecture and native SwiftUI support. This version significantly reduces the SDK footprint while offering more granular control over Link flows. For a complete list of changes, see the Release notes. With this release, the iOS SDK 5.x and earlier versions are officially deprecated, in accordance with Plaid's mobile SDK lifecycle; while they will continue to work, customers should make plans to migrate to iOS SDK 6.x or 7.x.

For Plaid Check Consumer Report

• To support Prism's new version naming convention, added the model_version string field to PrismInsights and deprecated the integer version field.

For Identity

• For new Identity Match customers who opt into the Account Verification Dashboard, Plaid now provides a set of pre-populated recommended Identity Match rules to assist in product configuration.

For Transactions and Liabilities

• Substantially improved coverage for mortgage-type accounts.

For Signal

• End users must now explicitly consent to Signal in the Link flow before /signal/evaluate can be called, even if your Link session is not enrolled in Data Transparency Messaging. Failure to obtain consent will result in the ADDITIONAL_CONSENT_REQUIRED error. This change applies both to Signal Transaction Scores and to Balance integrations that call the /signal/evaluate endpoint. To obtain Signal consent on an existing Item if you have not already done so, launch update mode and include signal in the additional_consented_products field when calling /link/token/create. If you have a large number of impacted Items that you would like to add Signal to and require assistance, contact your Plaid account manager.

Added the ability for Pay-as-you-go customers to request access to Charles Schwab via the OAuth institutions page in the Dashboard without having to file a support ticket.

Trial Plan customers can now get immediate access to all OAuth institutions.

Added /user/products/terminate, /user/items/remove, and /sandbox/user/reset_login endpoints for easier management of user-based subscriptions and Items. These endpoints can be used only for user-based flows and products (e.g. Plaid Check Consumer Reports, Income, and Items added via Multi-Item Link).

For Plaid Check Consumer Report:

For /cra/check_report/income_insights/get, when there are no income streams for the report, income_streams is now returned as an empty array ([]) instead of being omitted.

For Identity Verification

Added support for non-US test users to the Sample Identities Manager.

For Monitor

Made multiple UI improvements to the Dashboard:

For easier navigation, added the ability to search, sort, and filter the review queue to a left-hand panel that is present throughout the entire Monitor Dashboard UI, rather than only via a dedicated screen.

The review card now has a clearer summary of a record's review status and number of watchlist hits. There's also a new review decision widget that stays visible throughout, so analysts can leave a comment and submit without losing their place.

Divided the program list into Individual and Entity sections for clearer navigation.

For Plaid Check Consumer Report

For /cra/check_report/verification/pdf/get, added income as a supported type and deprecated report_requested field in favor of reports_requested array field to support multiple report types.

Added user_id field to /cra/credit_profile_report/get response. The user_id field is already present in the request and was added to the response to improve developer ergonomics.

For Protect

Launched Cash Advance Index.

For Auth:

Announced that by default, limited purpose checking accounts will be omitted from Link. These accounts are not supported by Plaid Balance and only allow ACH payments for mortgage and rent payments. This change will be effective immediately for any new institutions and will be effective August 7, 2026, for existing institutions that are already supported by Plaid. To opt in to allowing limited purpose checking accounts, see Enabling limited purpose checking accounts for rent or mortgage.

For Identity Verification:

Customers can now use the Sample Identities Manager to create and manage IDV test users via the Dashboard, rather than having to request that their Account Manager create and edit users for them.

Announced a change to Sandbox test user behavior for non-US identities beginning on May 13, 2026: only the "Leslie Knope" user will pass name verification by default. All other identities will require a matching sample identity to pass.

For Layer:

Added the ability to exclude users whose provided addresses are non-residential (e.g. PO boxes or commercial addresses) from Layer eligibility. This setting can be enabled via the Layer template editor.

For Plaid Check Consumer Report:

Publicly launched Income Insights v2, including improved income categorization accuracy, automatic refresh, and configurable rules for determining how to treat different income sources.

To align with updated PNC TAN expiration policies, Plaid has stopped firing the USER_PERMISSION_REVOKED webhook on standard access expirations at PNC.

Released the Plaid CLI. The Plaid CLI is an experimental command-line tool for the Plaid API that lets you make API calls for Transactions, Investments, and Liabilities, without writing any code. It works for both developers (with readable table output) and AI agents (with JSON output and clean stdout/stderr separation), and also handles integration tasks like managing API keys, registering webhooks, and working with Sandbox data.

Introduced Plaid Trial plans. Trial plans provide free access to Production for up to 10 Items and use a streamlined approval questionnaire that is more user-friendly for non-business users. Trial plans replace Limited Production for all newly created Plaid teams going forward.

Added "Sign in with Google" support to the Dashboard.

For the PENDING_DISCONNECT webhook, added disconnect_time field with a timestamp indicating when the Item's consent will expire.

For Plaid Check Consumer Report:

Added home_lending_report_options field for configuring Home Lending Report generation (VOA, Employment Refresh) on base report creation.

Released iOS SDK v.7.0.0-beta2 and 7.0.0-beta3. Key enhancements over the 6.x SDK series include over 50% reduction in bundle size, native SwiftUI support, and separation of session initialization from UI Link display. For more details, see the release notes.

Released iOS SDK v. 6.4.5, 6.4.6, and 6.4.7, including bug fixes related to FinanceKit Sync API deprecation and to a bug in SubmissionData handling that was introduced in v6.4.3.

For Enrich:

Removed unused recurrence object. This object was unused and returned placeholder data only, causing confusion for customers.

For Investments:

Added cfi_code to securities objects.

Added margin_loan_amount as an account balance field (in addition to available and current balance).

For Plaid Check Consumer Report:

Customers who began using Plaid Check before December 10, 2025 can now voluntarily migrate to the new User APIs, beginning April 1, 2026. For instructions, see New User APIs migration guide.

Updated the INTERNAL_SERVER_ERROR 500 error returned by verification endpoints when data was not ready yet to a retryable PRODUCT_NOT_READY 400 error.

Added support for Prism CashScore scoring model v. 4.1 to Partner Insights.

For Plaid Protect:

Plaid Protect has been moved from beta to Early Availability. If you are an existing Plaid customer interested in accessing Protect, contact your Account Manager.

For Signal Transaction Scores and Balance:

Added the ability to create custom Signal Rules targeting specific financial institutions. This functionality is available to both Balance-only and Signal Transaction Score-based rulesets.

Released [iOS SDK] v.7.0.0-beta1

Key enhancements include over 50% reduction in bundle size, native SwiftUI support, and separation of session initialization from UI Link display. For more details, see the release notes.

Released iOS SDK v6.4.4

Adds event names
SELECT_FALLBACK_ROUTING_INSTITUTION, SELECT_DENYLISTED_INSTITUTION, and SELECT_REMEMBER_ME_DUPLICATE_INSTITUTION, deprecates FinanceKit sync API, and deprecates CocoaPods integration.

Updated disclosure copy in Link for Signal Transaction Scores and Protect to enable more workflows without having to use update mode.

Added the ability to set available balance to null when using Custom Sandbox users.

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.