Plaid Release Notes

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.

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.