Plaid Integration for AI Agents
Connect your AI agent to 51 Plaid actions via MCP, A2A, or SDK, with agent authentication, tool-calling execution, and security built-in, plus 27 events to subscribe to.
Plaid AI Agent Actions
51 production-ready actions for your agent to do more on Plaid.
51 Actions
Get Accounts - Retrieve all financial accounts (checking, savings, credit, loan, investment) linked to an Item via POST /accounts/get
Get Account Balance - Fetch real-time balance data directly from the financial institution for all or specific accounts via POST /accounts/balance/get
Create Asset Report - Create an Asset Report for the linked Item, providing a point-in-time snapshot of account balances, transactions, and identity data for lending and verification via POST /asset_report/create
Get Asset Report - Retrieve a completed Asset Report containing account balances, transaction history, and identity data via POST /asset_report/get
Get Asset Report PDF - Download a completed Asset Report as a formatted PDF document (binary response, application/pdf) for sharing with lenders and verifiers via POST /asset_report/pdf/get
Refresh Asset Report - Create a refreshed copy of an existing Asset Report with updated data from the financial institutions via POST /asset_report/refresh
Filter Asset Report - Create a filtered copy of an Asset Report with specified accounts excluded via POST /asset_report/filter
Remove Asset Report - Permanently delete an Asset Report and invalidate its token via POST /asset_report/remove
Get Auth - Retrieve bank account numbers and routing numbers needed to initiate ACH, EFT, BACS, and wire transfers via POST /auth/get
Enrich Transactions - Enrich your own (non-Plaid-sourced) transactions with merchant info, categorization, and counterparty data via POST /transactions/enrich
Get Identity - Retrieve personal identity information (name, email, phone, address) for account holders directly from the financial institution via POST /identity/get
Get Bank Income - Retrieve completed Bank Income reports (income streams identified from bank deposits) for a user via POST /credit/bank_income/get
Get Bank Income PDF - Download a Bank Income report as a formatted PDF document for sharing with lenders via POST /credit/bank_income/pdf/get
Get Credit Sessions - List the user's Income / Consumer-Report Link sessions and their final statuses via POST /credit/sessions/get
Get Institutions - Retrieve a paginated list of all Plaid-supported financial institutions with filtering by country, products, and routing numbers via POST /institutions/get
Get Institution By ID - Retrieve detailed metadata for a single financial institution by its Plaid institution_id via POST /institutions/get_by_id
Search Institutions - Search Plaid's institution directory by name or query string with optional product and country filters via POST /institutions/search
Get Investment Holdings - Retrieve current investment portfolio holdings including stocks, bonds, mutual funds, and ETFs for linked brokerage and retirement accounts via POST /investments/holdings/get
Get Investment Transactions - Retrieve investment transactions (buys, sells, dividends, fees, transfers) within a specified date range for linked brokerage accounts via POST /investments/transactions/get
Get Item - Retrieve metadata and health status for a linked financial institution Item via POST /item/get
Remove Item - Permanently remove a linked Item, invalidating its access_token and ending all associated billing via POST /item/remove
Update Item Webhook - Update or set the webhook URL for receiving real-time event notifications for an Item via POST /item/webhook/update
Get Liabilities - Retrieve detailed liabilities data for credit cards, student loans, and mortgages associated with an Item via POST /liabilities/get
Create Link Token - Create a link_token to initialize Plaid Link, the client-side UI component for bank account connection, via POST /link/token/create
Get Link Token - Retrieve metadata and configuration details for a previously created link_token via POST /link/token/get
Evaluate Signal - Score the ACH return risk of a proposed debit transaction and apply Dashboard rulesets via POST /signal/evaluate
Prepare Signal - Pre-warm Plaid's risk model for an Item so the next /signal/evaluate completes faster via POST /signal/prepare
Report Signal Decision - Report whether you proceeded with or blocked the ACH debit after a Signal score, used to refine Plaid's model via POST /signal/decision/report
Report Signal Return - Report a returned ACH transaction back to Plaid with the return code so its risk model can learn via POST /signal/return/report
List Statements - Retrieve a list of available bank statements for all accounts linked to an Item via POST /statements/list
Download Statement - Download a single bank statement PDF by its statement ID via POST /statements/download
Refresh Statements - Trigger on-demand extraction of bank statements for a specified date range via POST /statements/refresh
Sync Transactions - Get incremental transaction updates using Plaid's recommended cursor-based sync approach, returning added, modified, and removed transactions since the last sync via POST /transactions/sync
Get Transactions - Fetch historical transaction data within a specified date range with pagination and optional enrichment fields via POST /transactions/get
Get Recurring Transactions - Fetch Plaid-detected recurring transaction patterns (subscriptions, income deposits, bills) for accounts associated with an Item via POST /transactions/recurring/get
Refresh Transactions - Trigger an on-demand refresh of transaction data for an Item, bypassing the normal automatic update schedule, via POST /transactions/refresh
Create Transfer Authorization - Authorize a money movement before creating a transfer, returning a Plaid risk decision (approved, declined, user_action_required) via POST /transfer/authorization/create
Create Transfer - Initiate a money movement using a previously-approved authorization, returning the transfer_id and initial status (pending) via POST /transfer/create
Get Transfer - Retrieve the current state and metadata of a single transfer by transfer_id via POST /transfer/get
List Transfers - List transfers with optional filters by date range, account, status, or originator via POST /transfer/list
Cancel Transfer - Cancel a transfer that has not yet posted to the bank network via POST /transfer/cancel
Cancel Transfer Authorization - Cancel an unused transfer authorization before it expires via POST /transfer/authorization/cancel
List Transfer Events - List historical lifecycle events across transfers with date and status filters via POST /transfer/event/list
Sync Transfer Events - Incrementally pull transfer lifecycle events using a monotonically-increasing event_id cursor via POST /transfer/event/sync
Create Transfer Refund - Refund some or all of a posted/settled transfer back to the user's bank via POST /transfer/refund/create
Get Transfer Refund - Retrieve refund details and current status by refund_id via POST /transfer/refund/get
Cancel Transfer Refund - Cancel a pending refund before it posts to the network via POST /transfer/refund/cancel
Get Transfer Capabilities - Determine RTP eligibility and other transfer capabilities for a Plaid Item via POST /transfer/capabilities/get
Create User - Create a Plaid User and return its user_id, for binding to a production connection's Plaid User ID field
Get User - Retrieve a Plaid User's identity and metadata by user_id via POST /user/get
Update User - Update the identity details stored against a Plaid User via POST /user/update
Plaid Webhook Events
27 real-time Plaid events your AI agent can subscribe to.
27 Events
- Transactions Sync Updates Available Processes Plaid TRANSACTIONS.SYNC_UPDATES_AVAILABLE webhooks, fired when new transaction updates are ready to fetch with Sync Transactions.
- Transactions Initial Update Processes Plaid TRANSACTIONS.INITIAL_UPDATE webhooks, fired when the first 30 days of transactions are ready (legacy Get Transactions flow).
- Transactions Historical Update Processes Plaid TRANSACTIONS.HISTORICAL_UPDATE webhooks, fired when the full transaction history is ready (legacy Get Transactions flow).
- Transactions Default Update Processes Plaid TRANSACTIONS.DEFAULT_UPDATE webhooks, fired when new transactions are available (legacy Get Transactions flow).
- Transactions Removed Processes Plaid TRANSACTIONS.TRANSACTIONS_REMOVED webhooks, fired when transactions were removed from the Item (legacy Get Transactions flow).
- Recurring Transactions Update Processes Plaid TRANSACTIONS.RECURRING_TRANSACTIONS_UPDATE webhooks, fired when recurring transaction streams changed.
- Auth Default Update Processes Plaid AUTH.DEFAULT_UPDATE webhooks, fired when account or routing numbers were added or changed.
- Auth Automatically Verified Processes Plaid AUTH.AUTOMATICALLY_VERIFIED webhooks, fired when an account was verified through automated micro-deposits.
- Auth Verification Expired Processes Plaid AUTH.VERIFICATION_EXPIRED webhooks, fired when automated micro-deposit verification of an account expired.
- Auth SMS Micro-deposits Verification Processes Plaid AUTH.SMS_MICRODEPOSITS_VERIFICATION webhooks, fired when a Same-Day micro-deposit account finished SMS verification.
- Auth Product Permissions Required Processes Plaid AUTH.PRODUCT_PERMISSIONS_REQUIRED webhooks, fired when an Auth request hit ACCESS_NOT_GRANTED and the user must grant Auth access through update mode.
- Identity Default Update Processes Plaid IDENTITY.DEFAULT_UPDATE webhooks, fired when account holder identity data changed.
- Identity Product Permissions Required Processes Plaid IDENTITY.PRODUCT_PERMISSIONS_REQUIRED webhooks, fired when an Identity request hit ACCESS_NOT_GRANTED and the user must grant Identity access through update mode.
- Holdings Default Update Processes Plaid HOLDINGS.DEFAULT_UPDATE webhooks, fired when investment holdings were added or changed.
- Investments Transactions Default Update Processes Plaid INVESTMENTS_TRANSACTIONS.DEFAULT_UPDATE webhooks, fired when new or canceled investment transactions are available.
- Investments Transactions Historical Update Processes Plaid INVESTMENTS_TRANSACTIONS.HISTORICAL_UPDATE webhooks, fired when historical investment transactions are ready.
- Liabilities Default Update Processes Plaid LIABILITIES.DEFAULT_UPDATE webhooks, fired when liabilities data was added or changed.
- Income Product Ready Processes Plaid INCOME.PRODUCT_READY webhooks, fired when Plaid finished calculating income for the Item.
- Statements Refresh Complete Processes Plaid STATEMENTS.STATEMENTS_REFRESH_COMPLETE webhooks, fired when a Refresh Statements request finished.
- Item Error Processes Plaid ITEM.ERROR webhooks, fired when the Item entered an error state, such as ITEM_LOGIN_REQUIRED.
- Item Login Repaired Processes Plaid ITEM.LOGIN_REPAIRED webhooks, fired when the Item recovered from ITEM_LOGIN_REQUIRED without update mode.
- Item New Accounts Available Processes Plaid ITEM.NEW_ACCOUNTS_AVAILABLE webhooks, fired when new accounts at the institution can be shared through update mode.
- Item Pending Expiration Processes Plaid ITEM.PENDING_EXPIRATION webhooks, fired when the Item's consent expires soon.
- Item Pending Disconnect Processes Plaid ITEM.PENDING_DISCONNECT webhooks, fired when the Item will stop working soon and must go through update mode.
- Item User Permission Revoked Processes Plaid ITEM.USER_PERMISSION_REVOKED webhooks, fired when the end user revoked access to the Item.
- Item User Account Revoked Processes Plaid ITEM.USER_ACCOUNT_REVOKED webhooks, fired when the end user revoked access to one account at the institution.
- Item Webhook Update Acknowledged Processes Plaid ITEM.WEBHOOK_UPDATE_ACKNOWLEDGED webhooks, fired when the Item's webhook URL was changed.
Plaid AI Agent Use Cases
Connect your AI agent to Plaid and help your team scale the finance operations they run by hand today.
Invoice Processing
Automate invoice processing with AI agents connected to your ERP, accounting software, and AP tools through StackOne.
View Accounts Receivable Dunning
Use StackOne to connect your AI agent to your accounting, CRM, and messaging systems to automate Accounts Receivable dunning and payment follow-up.
View Invoice Processing
Use StackOne to connect your AI agent to your accounting, email, and document management systems to automate invoice processing and purchase order matching.
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Luna Schmid, Partner at GV
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Plaid AI agent integration resources
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Comparing BM25, TF-IDF, and Hybrid Search for MCP Tool Discovery
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Plaid integration FAQ
Do I need to create my own auth app to connect Plaid to StackOne?
No, you don't need an auth app. Plaid uses Client ID and Secret credentials (not OAuth). Generate them in the Plaid Dashboard under Developers > Keys, then paste both into the StackOne dashboard auth config for the Plaid connector. Pick the Sandbox or Production Secret depending on environment. See the Plaid setup docs.
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