Plaid News
Plaid updates OAuth error responses for form and JSON requests
October 13, 2026
Updated error response for /oauth/* endpoints to be aligned with OAuth spec (if called with content-type: application/x-www-form-urlencoded) or the Plaid API (if called with content-type: application/json). /sandbox/transactions/create now works on every Sandbox Item, not only those created with user_transactions_dynamic, and can create transactions up to 730 days in the past, as opposed to only 14 days previously. It also now accepts an optional account_id parameter for the transaction to associate it with a specific account. Added Haitian Creole (ht) as a supported Link language. Enabled the Link Returning User Experience for the UK. For Plaid Check Consumer Report: Released a new set of endpoints, /cra/report/create and /cra/report/get , to consolidate and simplify API workflows. Older /check_report/ endpoints will continue to be supported. Added paired_account_id to the Account object. For accounts on Items created as part of a hybrid flow with both Plaid Inc. and Plaid Check products, this is the account_id that corresponds to the same financial institution account on the paired Item. Added the optional cra_report_parameter object to /link/token/create . It configures Plaid Ch
/item/get now returns consent_expiration_time for Chase Items (backfilled for Items connected since August…
October 8, 2026
/item/get now returns consent_expiration_time for Chase Items (backfilled for Items connected since August 21, 2026). Added /beta/webhook\_events/list , a beta endpoint to help customers manage missed webhooks. Released the beta version of the modernized Plaid Go client library. If you would like to participate in Plaid's modernization beta for any language (including Go) and receive early access to new client libraries, complete the beta access request form . Launched LendScore 2, an updated family of LendScore models providing stronger predictive performance and more granular risk assessment. Models include Core, which is designed to perform broadly across consumer lending, as well as specialized models for auto, home lending, and short term. To learn more about upgrading your integration to LendScore 2, contact your Plaid Account Manager. Launched Instant Link. For qualifying sessions, you can submit submit basic borrower information, and Plaid matches it to an existing Plaid Network profile and returns permissioned insights in under two seconds, without the end user having to interact with the Link flow. To learn more about incorporating Instant Link into your product, contact
Added support for transactions on loan type accounts beyond student and mortgage
October 5, 2026
Added support for transactions on loan type accounts beyond student and mortgage, such as auto loans and lines of credit; see the account type / product support matrix .
Enhanced Sandbox capabilities with the launch of Sandbox Studio in the Dashboard
September 11, 2026
Enhanced Sandbox capabilities with the launch of Sandbox Studio in the Dashboard. Customers can now make Sandbox API calls directly via the Dashboard, create custom Sandbox profiles based on a text description, and save institutions to Sandbox profiles for testing Layer and the Returning User Experience. Improved user experience for accessing Fidelity Investments. New customers on Custom and Growth plans will get Fidelity access within 4 weeks (reduced from 8 weeks), and customers on Pay-as-you-go plans can request access via the Dashboard OAuth institutions page rather than having to file a support ticket. Improved user experience for accessing Charles Schwab. New customers will get Schwab access within 5 business days (reduced from 6 weeks), and customers on Pay-as-you-go plans do not need to explicitly request access. Removed unused account subtypes installment (loan) and charge card (credit). These subtypes were never returned by the Plaid API. Announced that effective October 11, 2026, the the home equity and commercial account subtypes will be sub-divided to more accurately reflect the accounts they describe. home equity will now correspond to HELOCs only; home equity loans w
Added a Billing page to the Dashboard for customers on negotiated rates
September 3, 2026
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", b
Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity…
August 17, 2026
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 pur
Added support for returning Annual Percentage Yield (APY) data on accounts via the new apy field
August 12, 2026
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