Plaid is a Finance company. Plaid is a world-leading data network and payments platform that helps companies build fintech solutions by making it easy, safe, and reliable for people to connect their financial data to apps and services. Plaid offers 6 products: Onboarding, Fraud & Risk, Open Finance, Credit Underwriting, Personal Finance Insights, Payments.
Plaid connects applications to users’ bank accounts, enabling fast, secure, and smart financial experiences.
Plaid is a world-leading data network and payments platform that helps companies build fintech solutions by making it easy, safe, and reliable for people to connect their financial data to apps and services.
"Turn data into revolutionary financial products"
Plaid is a Finance company serving global markets. Plaid is a world-leading data network and payments platform that helps companies build fintech solutions by making it easy, safe, and reliable for people to connect their financial data to apps and services.
Niche
Finance
6 products and services
Plaid Onboarding is a fast, smooth, and secure solution for financial onboarding, powering conversion-optimized experiences for 7,000+ companies and connecting...Plaid Onboarding is a fast, smooth, and secure solution for financial onboarding, powering conversion-optimized experiences for 7,000+ companies and connecting to 12,000+ financial institutions. It leverages Plaid's network and technology to reduce friction, boost sign-ups, and drive revenue without compromising security or privacy.
Plaid's Fraud & Risk solution provides real-time insights, behavioral data, and predictive scores to help organizations detect and prevent fraud...Plaid's Fraud & Risk solution provides real-time insights, behavioral data, and predictive scores to help organizations detect and prevent fraud across the user journey. Leveraging a network of over 100 million active users, it offers advanced fraud detection, risk scoring, and compliance tools for onboarding, transaction monitoring, and ongoing account protection.
Open Finance by Plaid enables secure, API-based data sharing that empowers financial institutions and fintechs to provide seamless, permissioned access...Open Finance by Plaid enables secure, API-based data sharing that empowers financial institutions and fintechs to provide seamless, permissioned access to consumer financial data. Built on FDX-aligned infrastructure, it helps organizations onboard quickly, manage connections with precision, and deliver reliable customer experiences.
Plaid's Credit Underwriting solution enables lenders to make smarter decisions across the loan lifecycle by providing real-time cash flow data...Plaid's Credit Underwriting solution enables lenders to make smarter decisions across the loan lifecycle by providing real-time cash flow data and risk analytics. The platform streamlines everything from borrower verification to loan disbursement, helping lenders approve more loans with greater confidence and less risk.
Personal Finance Insights by Plaid is an industry-standard solution for accessing, organizing, and enriching financial data. It enables businesses to...Personal Finance Insights by Plaid is an industry-standard solution for accessing, organizing, and enriching financial data. It enables businesses to provide users with a complete, accurate, and easy-to-maintain financial picture, supporting features like transaction categorization, investment insights, and debt management. The solution is designed for seamless integration and rapid feature deployment, trusted by leading fintechs and financial institutions.
Plaid Payments enables businesses to verify accounts, secure transactions, and manage a multi-rail payment offering for faster, safer money movement....Plaid Payments enables businesses to verify accounts, secure transactions, and manage a multi-rail payment offering for faster, safer money movement. It provides low-cost, secure payments with instant account authentication, risk assessment, and support for multiple payment rails.
Enriched company details and information
Turn data into revolutionary financial products
Plaid connects applications to users’ bank accounts, enabling fast, secure, and smart financial experiences.
Plaid provides APIs that allow applications to connect to users' bank accounts for various financial services.
Plaid serves a wide range of industries including banks, financial institutions, and app developers.
Plaid offers a robust API that allows for real-time interactions with financial institutions.
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Plaid provides products and services for various financial services, allowing users to connect to their bank accounts easily. They offer solutions for payments, fraud & risk management, personal finance insights, credit underwriting, and onboarding, with real-time data access to enhance financial experiences.
Customer: Zillow
Zillow utilized Plaid to enhance their loan approval process.
View Case StudyCustomer: H&R Block
H&R Block accelerated user growth with Plaid's services.
View Case StudyCustomer: Affirm
Affirm used Plaid's API for better risk management.
View Case StudyDetailed information about Plaid's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.
Plaid Onboarding enables businesses to onboard users quickly and securely by leveraging Plaid's network of 12,000+ financial institutions and 100+ million consumers. It is designed to optimize conversion rates while maintaining high security and privacy standards.
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Plaid Onboarding is a fast, smooth, and secure solution for financial onboarding, powering conversion-optimized experiences for 7,000+ companies and connecting to 12,000+ financial institutions. It leverages Plaid's network and technology to reduce friction, boost sign-ups, and drive revenue without compromising security or privacy.
Plaid Onboarding enables businesses to onboard users quickly and securely by leveraging Plaid's network of 12,000+ financial institutions and 100+ million consumers. It is designed to optimize conversion rates while maintaining high security and privacy standards.
Fast. Smooth. Secure. Plaid powers the most trusted, conversion-optimized financial onboarding in the industry.
With 10+ years of scale across 12,000+ institutions and over 100 million consumers, the Plaid Network gives our onboarding an edge others can’t match; it’s fast, secure, and built to convert.
When it’s easier, more people do it. Reduce friction, boost sign-ups, and drive revenue—without compromising on security or privacy.
Plaid powers onboarding for 7,000+ companies and connects to 12,000+ institutions. It’s how half of America connects their accounts—with ease, in seconds.
Fast or secure? Why not both. We analyze risk in real time—catching bad actors instantly and stopping fraud before it happens.
The duo making onboarding feel effortless. Link is the gold standard in account linking. Layer builds on Link to take onboarding even further—and faster.
How better onboarding builds better businesses
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Fraud & Risk is Plaid's comprehensive anti-fraud and risk management platform, designed to help businesses detect, prevent, and respond to fraud using real-time data, behavioral analytics, and machine learning. It supports onboarding, transaction risk assessment, and ongoing monitoring, all powered by Plaid's extensive financial network.
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Plaid's Fraud & Risk solution provides real-time insights, behavioral data, and predictive scores to help organizations detect and prevent fraud across the user journey. Leveraging a network of over 100 million active users, it offers advanced fraud detection, risk scoring, and compliance tools for onboarding, transaction monitoring, and ongoing account protection.
Fraud & Risk is Plaid's comprehensive anti-fraud and risk management platform, designed to help businesses detect, prevent, and respond to fraud using real-time data, behavioral analytics, and machine learning. It supports onboarding, transaction risk assessment, and ongoing monitoring, all powered by Plaid's extensive financial network.
Detect fraud faster with smarter data. Access real-time insights, behavioral data, and predictive scores. All on the network with over 100 million active users.
Flexible solution for onboarding, fraud reduction, and transaction risk management.
Fraud detection tools to identify suspicious activity and block bad actors.
Advanced fraud detection with broad industry coverage and feedback-driven analysis.
Overview of Plaid's fraud and risk product suite.
Plaid's Open Finance solution provides a framework for secure, consumer-permissioned financial data sharing via APIs. It supports institutions in adopting open finance standards, connecting to thousands of apps, and managing data access with real-time insights and controls.
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Open Finance by Plaid enables secure, API-based data sharing that empowers financial institutions and fintechs to provide seamless, permissioned access to consumer financial data. Built on FDX-aligned infrastructure, it helps organizations onboard quickly, manage connections with precision, and deliver reliable customer experiences.
Plaid's Open Finance solution provides a framework for secure, consumer-permissioned financial data sharing via APIs. It supports institutions in adopting open finance standards, connecting to thousands of apps, and managing data access with real-time insights and controls.
Customers expect seamless access. Plaid helps you deliver it—with secure, API-based data sharing that puts you in control.
Go live with a secure, FDX-aligned API and connect customers to top finance apps. Onboard quickly with teams and tools to support you at every step.
Connectivity gaps cause churn. Keep every connection live and every customer experience seamless with real-time traffic management.
Track and manage every consumer-permissioned connection with real-time insights designed for data partners.
Plaid Credit Underwriting provides predictive risk insights and analytics for lenders, leveraging real-time cash flow, income, and account activity data to assess borrower risk and affordability. The solution supports instant onboarding, identity verification, income verification, and asset verification, all designed to increase conversion rates and reduce fraud.
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Plaid's Credit Underwriting solution enables lenders to make smarter decisions across the loan lifecycle by providing real-time cash flow data and risk analytics. The platform streamlines everything from borrower verification to loan disbursement, helping lenders approve more loans with greater confidence and less risk.
Plaid Credit Underwriting provides predictive risk insights and analytics for lenders, leveraging real-time cash flow, income, and account activity data to assess borrower risk and affordability. The solution supports instant onboarding, identity verification, income verification, and asset verification, all designed to increase conversion rates and reduce fraud.
Make smarter decisions across the loan lifecycle with real-time cash flow data and risk analytics.
Convert up to 25% more potential borrowers. Trusted by 1 in 2 U.S. bank account holders, our user experience streamlines the lending process.
Better predict ability to pay with insights into cash flow, income patterns, and account connection activity.
Access real-time cash flow data, meet global KYC requirements, and reduce fraud losses with our powerful anti-fraud engine.
Borrowers can share key identity information and link financial accounts in seconds, straight from your application. All it takes is a phone number.
Stay ahead of compliance and risk. Easily verify borrowers’ identities for global KYC with ID document checks, liveness detection, risk analysis, and anti-money laundering watchlist screening.
Get up to 24 months of FCRA-compliant cash flow data alongside income insights, attributes, and risk scores—so you can assess affordability faster and more confidently.
Reduce fraud and speed up approvals with real-time visibility into applicants' income streams, past and forecasted earnings, and employment.
A powerful analytics suite with cash flow attributes, account activity insights, and risk scoring—designed to help you approve more qualified borrowers and reduce losses.
Sharpen your risk assessment with the Plaid LendScore—built on real-time data and account connection activity that reflects a borrower’s up-to-date financial health.
Use GSE-compatible reports with up to 24 months of transactions and account balances to verify assets—reducing the need for paper statements and manual reviews.
Speed up loan payouts and simplify repayment with Plaid’s money movement solution. Send funds instantly with FedNow and Real-Time Payments, and enable auto-pay to reduce return risk.
Personal Finance Insights provides clean, organized, and ready-to-use financial data out of the box. It leverages Plaid’s suite of products to help businesses integrate customer financial data, enhance existing data, and deliver robust personal finance features to end users.
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Personal Finance Insights by Plaid is an industry-standard solution for accessing, organizing, and enriching financial data. It enables businesses to provide users with a complete, accurate, and easy-to-maintain financial picture, supporting features like transaction categorization, investment insights, and debt management. The solution is designed for seamless integration and rapid feature deployment, trusted by leading fintechs and financial institutions.
Personal Finance Insights provides clean, organized, and ready-to-use financial data out of the box. It leverages Plaid’s suite of products to help businesses integrate customer financial data, enhance existing data, and deliver robust personal finance features to end users.
Your shortcut to clean, organized financial data. Meet the industry standard for financial data. Complete, easy to maintain, and ready to use out of the box.
Convert up to 23% more customers with a seamless financial onboarding experience already used by 1 in 2 adults in the U.S.
Know that user connections are stable and their data is accurate, letting your engineers focus on product improvements, not product fixes.
Move fast with ready-to-ship features like transaction categories and the ability to identify and track subscriptions and bill payments.
Leverage our suite of products—Transactions, Investments, and Liabilities—to seamlessly integrate customer data into your app. Or, refine and enhance the data you already have with Enrich for a complete financial picture. Sync reconciles pending transactions, so you don’t have to do a thing.
Get instant insights into investments, including balances, holdings, and portfolio-impacting transactions with Investments. With Investments Move, you can help users transfer funds to your platform with just a few clicks. Connect to 20 different account types, including 529s, HSAs, and more.
Make it easy to get ahead of upcoming debt payments. Use Transactions and Liabilities (U.S. only) to offer debt management or consolidation options that ease users’ financial burden. Link Recovery notifies users of institution downtime, helping them quickly re-link their accounts.
See who’s shipping the latest features with Plaid
Plaid Payments is a solution for businesses to quickly and securely connect customer accounts, verify transactions, and move money using a variety of payment rails (ACH, RTP, FedNow). It is designed to reduce payment costs, increase conversion, and enhance security and compliance.
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Plaid Payments enables businesses to verify accounts, secure transactions, and manage a multi-rail payment offering for faster, safer money movement. It provides low-cost, secure payments with instant account authentication, risk assessment, and support for multiple payment rails.
Plaid Payments is a solution for businesses to quickly and securely connect customer accounts, verify transactions, and move money using a variety of payment rails (ACH, RTP, FedNow). It is designed to reduce payment costs, increase conversion, and enhance security and compliance.
Verify accounts, secure transactions, and manage a multi-rail payment offering for faster, safer money movement.
Speed and flexibility are how we create a better customer journey. See their painless payments experience for yourself.
See who’s moving money on the Plaid Network