Plaid Release Notes

• Added a Billing page to the Dashboard for customers on negotiated rates, providing visibility into invoice and payment history.

For Link

• Released React Native SDK v13.0.5, adding an explicit Identity Verification session API that creates and returns the native Link session without waiting for the onLoad callback. The behavior of the existing createPlaidLinkSession is unchanged. Bundles Android SDK v6.1.0 and iOS SDK v7.1.0.
• Released React Native SDK v13.1.0. New features include improved migration diagnostics and troubleshooting for the usage of removed methods; adding a named sdkVersion export and deprecating the raw native-module default export; and included guidance for AI coding agents.

For Auth and Transfer

• Announced upcoming Chase consent and Tokenized Account Number (TAN) expiration. Chase has begun rolling out a new OAuth consent experience in which the end user must choose a consent duration of 6 months, 1 year, or "always". When consent expires, the Item will break and any TAN associated with the account will expire along with it, causing payments made using that TAN to fail. The consent prompt appears on new Items only, and existing Chase Items default to "always", but a user can change the duration for any Chase connection in the Chase Security Center. Because the shortest available duration is 6 months, the earliest expirations will occur in February 2027. To prepare, integrate update mode so that end users can renew authorization for expired Items. For more details, see TAN expiration.

For Plaid Check Consumer Report

• Released CRA Servicing to general availability. Use /cra/servicing/subscription/create to subscribe a user to recurring consumer report generation on a daily cadence. Subscriptions can be managed with /cra/servicing/subscription/get, /cra/servicing/subscription/list, /cra/servicing/subscription/update, and /cra/servicing/subscription/delete. CRA Servicing replaces Cash Flow Updates, which is now deprecated; existing Cash Flow Updates customers have until August 20, 2027 to migrate to CRA Servicing.
• Added the CRA_REPORT_UPDATED webhook, fired when a subscribed report is regenerated.
• Improved the visual design of PDF reports to better match the Plaid brand and to have a summary section at the top. For some customers, this change will be immediate; for others, it will take effect October 1, 2026.
• Announced support for including LendScore results in PDF reports. This change will take effect October 1, 2026.
• For improved usability, added client_user_id to the /cra/report/get response.

For Identity Verification

• Added the option for an end user to receive their verification code by phone call instead of SMS. This option is automatically enabled in the Link flow and does not require any action on your end.
• Added the ability to send verification links to end users by email, in addition to SMS.
• Improved Dashboard verification exports. A single export can now cover verification sessions across every template in your organization, and you can choose whether to include Data Source, Documentary Verification, Selfie Check, Risk Check, and user PII details, with PII gated on the exporting user's permissions. Risk Check exports now also include custom rule outcomes and the names of any failed rules.

For Income

• Extended support for the new User APIs to Bank Income, Document Income, and Payroll Income. New Income integrations can use the User APIs immediately. Beginning September 1, 2026, existing Income customers will receive the USER_INCOME_VERIFICATION, USER_INCOME_VERIFICATION_RISK_SIGNALS, and USER_INCOME_VERIFICATION_REFRESH_RECONNECT_NEEDED webhooks alongside their existing INCOME_VERIFICATION_* webhooks, with user_id set to their stored user token value. For details, see Migrate to new user APIs.

For Investments

• Removed three never-populated investment transaction subtypes: fund fee, loan payment, and rebalance. Plaid has never returned any of these values.
• Deprecated the stock distribution investment transaction subtype. The "inflow of stock from a distribution" it described is now represented by the transfer type's spin off subtype.

For Signal

• Added an Integration Health view to the Signal Overview page in the Dashboard, showing a Sankey chart of /signal/evaluate calls through to reported decisions, returns, and errors, along with diagnostic messages for common integration gaps. Also refreshed the return rate, return code, and institution analytics on the page.

For Virtual Accounts

• Populated payee_verification_status on e-wallet transactions for GBP payouts. Previously, this field was returned for EUR payouts only.

• Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available. The failure to fetch identity data in this scenario will no longer cause the Item to enter an error state.
• Improved accuracy of Item consent expiration data at institutions that enforce expiration dates. Some Items may show a revised consent expiration date as a result of these changes. Items will also now reliably enter an error state when they expire, regardless of whether Plaid is attempting to fetch new data from the institution or not.
• Redesigned the UI of the Settings page in the Dashboard to display a full-page view with a link to each setting, rather than the navigation being entirely within the left nav bar.

For Link

• Released Android SDK v. 6.2.1, including a bug fixes for OAuth flows when linking multiple institutions.

For Auth

• Pushed out the date on which limited-purpose checking accounts for existing institutions will be omitted from Link by default. Originally, this change was scheduled to take effect August 7th, 2026. It has been extended to October 6, 2026. To opt in to allowing limited purpose checking accounts, see Enabling limited purpose checking accounts for rent or mortgage.

• Added support for returning Annual Percentage Yield (APY) data on accounts via the new apy field.
• Added /sandbox/user/fire_webhook for firing test webhooks associated with a user (primarily Income and Plaid Check Consumer Report webhooks) rather than an Item.
• Added /user/items/associate for associating Items with a user id (Early Availability only).

For Link:

• Released iOS SDK v7.0.5, preventing SwiftUI Link sheet interactive dismissal so Link cannot be dismissed without triggering onExit, and deprecating PlaidLinkView and PlaidLinkUIViewControllerRepresentable in favor of PlaidLinkSheet or session.sheet().
• Released iOS SDK v7.1.0, including bug fixes and improved logging and error messaging, especially for headless sessions.
• Released Android SDK v6.2.0, fixing a bug in which document uploads during the Link flow would sometimes fail, reducing minimum supported Android SDK version from 26 to 25, narrowing ProGuard rules to improve stack trace readability in minified apps, and removing the unused okhttp3 logging-interceptor dependency.
• Released Android SDK v5.3.3, fixing a bug in which document uploads during the Link flow would sometimes fail.
• Released React Native SDK v.12.8.5, including several bug fixes, adding iOS support for destroy(), and bundling Android SDK v5.5.3, and iOS SDK v.6.5.0.
• Released React Native SDK v.13.0.4, fixing a bug impacting Multi-Item Link sessions, preserving post-success HANDOFF event delivery to React Native onEvent callbacks, and bundling Android SDK v5.5.3, and iOS SDK v.6.5.0.

For Identity Verification:

• Added self-serve Sandbox access. Enable Identity Verification Sandbox access from the Dashboard Products page by clicking "Enable Sandbox".

For Income:

• Added support for the new User APIs. Effective August 17, 2026, new Income customers no longer need to request user token enablement, and existing Income customers can migrate to user APIs.

For Investments:

• Added prediction market account subtype.

For Payment Initiation and Virtual Accounts:

• Added support for user_id to the /payment_initiation/payment/create, /payment_initiation/consent/create, and /wallet/transaction/execute endpoints.
• Added TRANSFER_OUT transaction type. This type represents a transaction that debits an e-wallet and cannot be classified under another category, typically initiated by a non-Plaid flow due to technical errors, FPS timeouts, or other payment-related issues.
• Added pass rate previews to the Dashboard Protect template editor, allowing you to preview the projected impact of changes to the template.

For Transactions:

• Added support for Merchant Category Codes (MCCs) via a new merchant_category_code field.

For Link

• Released iOS SDK v7.0.4, containing a fix for failed subtype parsing in the SuccessMetadata object.
• Released iOS SDK v6.5.0, containing a fix for a FinanceKit related crash.
• Released Android SDK v6.1.0, containing eight previously-missing LinkEventViewNames and adding metadata to identify apps built with Plaid-Flutter.
• Released React Native SDK v13.0.3, bundling iOS SDK v7.0.4 and Android SDK v6.1.0.
• Released React SDK v4.2.0, containing bug fixes.
• Released React SDK v5.0.0, correcting TypeScript types (including a nullable public_token in onSuccess and an object-based exit() signature) to match the Link Web SDK, and adding stable Layer and Identity Match events with a complete Layer React example. See the migration guide for required TypeScript updates.

For Auth

• Added Canada support for managing Database Auth via the Account Verification Dashboard.

For Transfer

• Added additional endpoints and event types to support Guaranteed Payments (Early Availability). To request access, see Guaranteed Payments.

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.