Plaid Check
API reference for Plaid Check endpoints and webhooks
| Endpoints | |
|---|---|
/cra/check_report/base_report/get | Retrieve the base Consumer Report for your user |
/cra/check_report/income_insights/get | Retrieve cash flow insights from your user's banks |
/cra/check_report/network_insights/get | Retrieve connection insights from the Plaid network (beta) |
/cra/check_report/partner_insights/get | Retrieve cash flow insights from our partners |
/cra/check_report/pdf/get | Retrieve Consumer Reports in PDF format |
/cra/check_report/cashflow_insights/get | Retrieve Cash Flow Insights report |
/cra/check_report/lend_score/get | Retrieve a Plaid LendScore generated from your user's banking data |
/cra/check_report/verification/get | Retrieve Verification Reports (Home Lending Report, Employment Refresh) for your user |
/cra/check_report/verification/pdf/get | Retrieve Verification Reports in PDF format |
/cra/check_report/create | Generate a new Consumer Report for your user with the latest data |
/cra/monitoring_insights/get | Get Cash Flow Updates (beta) |
/cra/monitoring_insights/subscribe | Subscribe to Cash Flow Updates (beta) |
/cra/monitoring_insights/unsubscribe | Unsubscribe from Cash Flow Updates (beta) |
| See also | |
|---|---|
/link/token/create | Create a token for initializing a Link session with Plaid Check |
/user/create | Create a user ID and token for use with Plaid Check |
/user/update | Update an existing user token to work with Plaid Check, or change user details |
/user/remove | Removes the user and their relevant data |
/user/items/get | Returns Items associated with a user along with their corresponding statuses |
/sandbox/cra/cashflow_updates/update | Manually trigger a cashflow insights update for a user (Sandbox only) |
| Webhooks | |
|---|---|
USER_CHECK_REPORT_READY | A Consumer Report is ready to be retrieved |
USER_CHECK_REPORT_FAILED | Plaid Check failed to create a report |
CHECK_REPORT_READY | A Consumer Report is ready to be retrieved (legacy) |
CHECK_REPORT_FAILED | Plaid Check failed to create a report (legacy) |
| Cash Flow Updates (beta) webhooks | |
|---|---|
CASH_FLOW_INSIGHTS_UPDATED | Insights have been refreshed |
INSIGHTS_UPDATED | Insights have been refreshed (legacy) |
LARGE_DEPOSIT_DETECTED | A large deposit over $5000 has been detected (legacy) |
LOW_BALANCE_DETECTED | Current balance has crossed below $100 (legacy) |
NEW_LOAN_PAYMENT_DETECTED | A new loan payment has been detected (legacy) |
NSF_OVERDRAFT_DETECTED | An overdraft transaction has been detected (legacy) |
/cra/check_report/base_report/get
Retrieve a Base Report
This endpoint allows you to retrieve the Base Report for your user, allowing you to receive comprehensive bank account and cash flow data. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn't have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/check_report/base_report/get
try {
const response = await client.craCheckReportBaseReportGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
An object representing a Base Report
string
A unique ID identifying an Base Report. Like all Plaid identifiers, this ID is case sensitive.
string
The date and time when the Base Report was created, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time number
The number of days of transaction history requested.
nullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
[object]
Data returned by Plaid about each of the Items included in the Base Report.
string
The full financial institution name associated with the Item.
string
The id of the financial institution associated with the Item.
string
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time string
The
item_id of the Item associated with this webhook, warning, or error[object]
Data about each of the accounts open on the Item.
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.object
Information about an account's balances.
nullablenumber
The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For
For
For
Note that not all institutions calculate the
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
If
For
credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.For
depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.Note that not all institutions calculate the
available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
/accounts/balance/get.If
current is null this field is guaranteed not to be null.Format:
double nullablenumber
The total amount of funds in or owed by the account.
For
For
For
Note that balance information may be cached unless the value was returned by
When returned by
For
credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.For
loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.Note that balance information may be cached unless the value was returned by
/accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.When returned by
/accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.Format:
double nullablenumber
For
For
In North America, this field is typically only available for
credit-type accounts, this represents the credit limit.For
depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe.In North America, this field is typically only available for
credit-type accounts.Format:
double nullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the balance. Always null if
See the currency code schema for a full listing of supported
iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablestring
Timestamp in ISO 8601 format (
This field is only used and expected when the institution is
If the balance that is pulled is older than the given timestamp for Items with this field required, an
YYYY-MM-DDTHH:mm:ssZ) indicating the oldest acceptable balance when making a request to /accounts/balance/get.This field is only used and expected when the institution is
ins_128026 (Capital One) and the Item contains one or more accounts with a non-depository account type, in which case a value must be provided or an INVALID_REQUEST error with the code of INVALID_FIELD will be returned. For Capital One depository accounts as well as all other account types on all other institutions, this field is ignored. See account type schema for a full list of account types.If the balance that is pulled is older than the given timestamp for Items with this field required, an
INVALID_REQUEST error with the code of LAST_UPDATED_DATETIME_OUT_OF_RANGE will be returned with the most recent timestamp for the requested account contained in the response.Format:
date-time nullablenumber
The average historical balance for the entire report
Format:
double [object]
The average historical balance of each calendar month
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullablenumber
The average historical balance from the most recent 30 days
Format:
double [object]
The information about previously submitted valid dispute statements by the consumer
deprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
string
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date string
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstring
Text content of dispute
nullablestring
The last 2-4 alphanumeric characters of an account's official account number. Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
object
Metadata about the extracted account.
string
The name of the account, either assigned by the user or by the financial institution itself
nullablestring
The official name of the account as given by the financial institution
string
investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.credit: Credit carddepository: Depository accountloan: Loan accountother: Non-specified account typeSee the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
investment, credit, depository, loan, brokerage, othernullablestring
See the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuitynumber
The duration of transaction history available within this report for this Item, typically defined as the time since the date of the earliest transaction in that account.
[object]
Transaction history associated with the account. Transaction history returned by endpoints such as
/transactions/get or /investments/transactions/get will be returned in the top-level transactions field instead. Some transactions may have their details masked in accordance to FCRA.string
The ID of the account in which this transaction occurred.
number
The settled value of the transaction, denominated in the transaction's currency, as stated in
iso_currency_code or unofficial_currency_code. Positive values when money moves out of the account; negative values when money moves in. For example, debit card purchases are positive; credit card payments, direct deposits, and refunds are negative.Format:
double nullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the transaction. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablestring
The string returned by the financial institution to describe the transaction.
nullableobject
Information describing the intent of the transaction. Most relevant for credit use cases, but not limited to such use cases.
See the
See the
taxonomy csv file for a full list of credit categories.string
A high level category that communicates the broad category of the transaction.
string
A granular category conveying the transaction's intent. This field can also be used as a unique identifier for the category.
nullablestring
The check number of the transaction. This field is only populated for check transactions.
string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted. Both dates are returned in an ISO 8601 format (
YYYY-MM-DD ).Format:
date nullablestring
The date on which the transaction took place, in IS0 8601 format.
object
A representation of where a transaction took place. Location data is provided only for transactions at physical locations, not for online transactions. Location data availability depends primarily on the merchant and is most likely to be populated for transactions at large retail chains; small, local businesses are less likely to have location data available.
nullablestring
The street address where the transaction occurred.
nullablestring
The city where the transaction occurred.
nullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.nullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
nullablenumber
The latitude where the transaction occurred.
Format:
double nullablenumber
The longitude where the transaction occurred.
Format:
double nullablestring
The merchant defined store number where the transaction occurred.
nullablestring
The merchant name, as enriched by Plaid from the
name field. This is typically a more human-readable version of the merchant counterparty in the transaction. For some bank transactions (such as checks or account transfers) where there is no meaningful merchant name, this value will be null.boolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.nullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.[object]
Data returned by the financial institution about the account owner or owners. For business accounts, the name reported may be either the name of the individual or the name of the business, depending on the institution. Multiple owners on a single account will be represented in the same
owner object, not in multiple owner objects within the array. This array can also be empty if no owners are found.[string]
A list of names associated with the account by the financial institution. In the case of a joint account, Plaid will make a best effort to report the names of all account holders.
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
names array.[object]
A list of phone numbers associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The phone number.
boolean
When
true, identifies the phone number as the primary number on an account.string
The type of phone number.
Possible values:
home, work, office, mobile, mobile1, other[object]
A list of email addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The email address.
boolean
When
true, identifies the email address as the primary email on an account.string
The type of email account as described by the financial institution.
Possible values:
primary, secondary, other[object]
Data about the various addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
object
Data about the components comprising an address.
nullablestring
The full city name
nullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"string
The full street address
Example:
"564 Main Street, APT 15"nullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code
boolean
When
true, identifies the address as the primary address on an account.nullablestring
How an asset is owned.
association: Ownership by a corporation, partnership, or unincorporated association, including for-profit and not-for-profit organizations.
individual: Ownership by an individual.
joint: Joint ownership by multiple parties.
trust: Ownership by a revocable or irrevocable trust.Possible values:
null, individual, joint, association, trustdeprecatedobject
Calculated insights derived from transaction-level data. This field has been deprecated in favor of Base Report attributes aggregated across accounts and will be removed in a future release.
nullablestring
Date of the earliest transaction for the account.
Format:
date nullablestring
Date of the most recent transaction for the account.
Format:
date integer
Number of days days available for the account.
number
Average number of days between sequential transactions
[object]
Longest gap between sequential transactions in a time period. This array can include multiple time periods.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date nullableinteger
Largest number of days between sequential transactions for this time period.
[object]
The number of debits into the account. This array will be empty for non-depository accounts.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date integer
The number of credits or debits out of the account for this time period.
[object]
Average amount of debit transactions into the account in a time period. This array will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
The number of outflows from the account. This array will be empty for non-depository accounts.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date integer
The number of credits or debits out of the account for this time period.
[object]
Average amount of transactions out of the account in a time period. This array will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.integer
Number of days with no transactions
object
Calculated attributes derived from transaction-level data.
nullableboolean
Prediction indicator of whether the account is a primary account. Only one account per account type across the items connected will have a value of true.
nullablenumber
Value ranging from 0-1. The higher the score, the more confident we are of the account being the primary account.
integer
The number of net NSF fee transactions for a given account within the report time range (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 30 days for a given account (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 60 days for a given account (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 90 days for a given account (not counting any fees that were reversed within the time range).
nullableobject
Total amount of debit transactions into the account in the time period of the report. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 30 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 60 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 90 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the time period of the report. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 30 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 60 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 90 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.object
Calculated attributes derived from transaction-level data, aggregated across accounts.
integer
The number of net NSF fee transactions in the time range for the report (not counting any fees that were reversed within that time range).
integer
The number of net NSF fee transactions in the last 30 days in the report (not counting any fees that were reversed within that time range).
integer
The number of net NSF fee transactions in the last 60 days in the report (not counting any fees that were reversed within that time range).
integer
The number of net NSF fee transactions in the last 90 days in the report (not counting any fees that were reversed within that time range).
nullableobject
Total amount of debit transactions into the report's accounts in the time period of the report. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the report's accounts in the last 30 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the report's accounts in the last 60 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the report's account in the last 90 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the report's accounts in the time period of the report. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the report's accounts in the last 30 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the report's accounts in the last 60 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the report's accounts in the last 90 days. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
This array contains any information about errors or alerts related to the Base Report that did not block generation of the report.
string
The warning type, which will always be
BASE_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The User has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Note: when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
Response Object
{
"report": {
"date_generated": "2024-07-16T01:52:42.912331716Z",
"days_requested": 365,
"attributes": {
"total_inflow_amount": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_30d": {
"amount": -1000,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_60d": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_90d": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_30d": {
"amount": 1000,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_60d": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_90d": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
},
"items": [
{
"accounts": [
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_insights": {
"average_days_between_transactions": 0.15,
"average_inflow_amount": [
{
"end_date": "2024-07-31",
"start_date": "2024-07-01",
"total_amount": {
"amount": 1077.93,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
}
],
"average_inflow_amounts": [
{
"end_date": "2024-07-31",
"start_date": "2024-07-01",
"total_amount": {
"amount": 1077.93,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
},
{
"end_date": "2024-08-31",
"start_date": "2024-08-01",
"total_amount": {
"amount": 1076.93,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
}
],
"average_outflow_amount": [
{
"end_date": "2024-07-31",
"start_date": "2024-07-01",
"total_amount": {
"amount": 34.95,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
}
],
"average_outflow_amounts": [
{
"end_date": "2024-07-31",
"start_date": "2024-07-01",
"total_amount": {
"amount": 34.95,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
},
{
"end_date": "2024-08-31",
"start_date": "2024-08-01",
"total_amount": {
"amount": 0,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
}
],
"days_available": 365,
"longest_gap_between_transactions": [
{
"days": 1,
"end_date": "2024-07-31",
"start_date": "2024-07-01"
}
],
"longest_gaps_between_transactions": [
{
"days": 1,
"end_date": "2024-07-31",
"start_date": "2024-07-01"
},
{
"days": 2,
"end_date": "2024-08-31",
"start_date": "2024-08-01"
}
],
"most_recent_transaction_date": "2024-07-16",
"number_of_days_no_transactions": 0,
"number_of_inflows": [
{
"count": 1,
"end_date": "2024-07-31",
"start_date": "2024-07-01"
}
],
"number_of_outflows": [
{
"count": 27,
"end_date": "2024-07-31",
"start_date": "2024-07-01"
}
],
"oldest_transaction_date": "2024-07-12"
},
"balances": {
"available": 5000,
"average_balance": 4956.12,
"average_monthly_balances": [
{
"average_balance": {
"amount": 4956.12,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"end_date": "2024-07-31",
"start_date": "2024-07-01"
}
],
"current": 5000,
"iso_currency_code": "USD",
"limit": null,
"most_recent_thirty_day_average_balance": 4956.125,
"unofficial_currency_code": null
},
"consumer_disputes": [],
"days_available": 365,
"mask": "1208",
"metadata": {
"start_date": "2024-01-01",
"end_date": "2024-07-16"
},
"name": "Checking",
"official_name": "Plaid checking",
"owners": [
{
"addresses": [
{
"data": {
"city": "Malakoff",
"country": "US",
"postal_code": "14236",
"region": "NY",
"street": "2992 Cameron Road"
},
"primary": true
},
{
"data": {
"city": "San Matias",
"country": "US",
"postal_code": "93405-2255",
"region": "CA",
"street": "2493 Leisure Lane"
},
"primary": false
}
],
"emails": [
{
"data": "[email protected]",
"primary": true,
"type": "primary"
},
{
"data": "[email protected]",
"primary": false,
"type": "secondary"
},
{
"data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
"primary": false,
"type": "other"
}
],
"names": [
"Alberta Bobbeth Charleson"
],
"phone_numbers": [
{
"data": "+1 111-555-3333",
"primary": false,
"type": "home"
},
{
"data": "+1 111-555-4444",
"primary": false,
"type": "work"
},
{
"data": "+1 111-555-5555",
"primary": false,
"type": "mobile"
}
]
}
],
"ownership_type": null,
"subtype": "checking",
"transactions": [
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 37.07,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "XA7ZLy8rXzt7D3j9B6LMIgv5VxyQkAhbKjzmp",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 51.61,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Domino's",
"original_description": "DOMINO's XXXX 111-222-3333",
"pending": false,
"transaction_id": "VEPeMbWqRluPVZLQX4MDUkKRw41Ljzf9gyLBW",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 7.55,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Chicago",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "IKEA",
"original_description": "IKEA CHICAGO",
"pending": false,
"transaction_id": "6GQZARgvroCAE1eW5wpQT7w3oB6nvzi8DKMBa",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 12.87,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_SPORTING_GOODS",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Redlands",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Nike",
"original_description": "NIKE REDLANDS CA",
"pending": false,
"transaction_id": "DkbmlP8BZxibzADqNplKTeL8aZJVQ1c3WR95z",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 44.21,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "RpdN7W8GmRSdjZB9Jm7ATj4M86vdnktapkrgL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 36.82,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Family Dollar",
"original_description": "FAMILY DOLLAR",
"pending": false,
"transaction_id": "5AeQWvo5KLtAD9wNL68PTdAgPE7VNWf5Kye1G",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 13.27,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "Jjlr3MEVg1HlKbdkZj39ij5a7eg9MqtB6MWDo",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 36.03,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "kN9KV7yAZJUMPn93KDXqsG9MrpjlyLUL6Dgl8",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 54.74,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "lPvrweZAMqHDar43vwWKs547kLZVEzfpogGVJ",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 37.5,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": "1627 N 24th St",
"city": "Phoenix",
"country": null,
"lat": null,
"lon": null,
"postal_code": "85008",
"region": "AZ",
"state": "AZ",
"store_number": null,
"zip": "85008"
},
"merchant_name": "Taqueria El Guerrerense",
"original_description": "TAQUERIA EL GUERRERO PHOENIX AZ",
"pending": false,
"transaction_id": "wka74WKqngiyJ3pj7dl5SbpLGQBZqyCPZRDbP",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 41.42,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "BBGnV4RkerHjn8WVavGyiJbQ95VNDaC4M56bJ",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": -1077.93,
"check_number": null,
"credit_category": {
"detailed": "INCOME_OTHER",
"primary": "INCOME"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Lyft",
"original_description": "LYFT TRANSFER",
"pending": false,
"transaction_id": "3Ej78yKJlQu1Abw7xzo4U4JR6pmwzntZlbKDK",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 47.17,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "rMzaBpJw8jSZRJQBabKdteQBwd5EaWc7J9qem",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 12.37,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "zWPZjkmzynTyel89ZjExS59DV6WAaZflNBJ56",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 44.18,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "K7qzx1nP8ptqgwaRMbxyI86XrqADMluRpkWx5",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 45.37,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Uber Eats",
"original_description": "UBER EATS",
"pending": false,
"transaction_id": "qZrdzLRAgNHo5peMdD9xIzELl3a1NvcgrPAzL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 15.22,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "NZzx4oRPkAHzyRekpG4PTZkWnBPqEyiy6pB1M",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 26.33,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Domino's",
"original_description": "DOMINO's XXXX 111-222-3333",
"pending": false,
"transaction_id": "x84eNArKbESz8Woden6LT3nvyogeJXc64Pp35",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 39.8,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Family Dollar",
"original_description": "FAMILY DOLLAR",
"pending": false,
"transaction_id": "dzWnyxwZ4GHlZPGgrNyxiMG7qd5jDgCJEz5jL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 45.06,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "4W7eE9rZqMToDArbPeLNIREoKpdgBMcJbVNQD",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 34.91,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "j4yqDjb7QwS7woGzqrgDIEG1NaQVZwf6Wmz3D",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 49.78,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "aqgWnze7xoHd6DQwLPnzT5dgPKjB1NfZ5JlBy",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 54.24,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "P13aP8b7nmS3WQoxg1PMsdvMK679RNfo65B4G",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 41.79,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "7nZMG6pXz8SADylMqzx7TraE4qjJm7udJyAGm",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 33.86,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "MQr3ap7PWEIrQG7bLdaNsxyBV7g1KqCL6pwoy",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 27.08,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "eBAk9dvwNbHPZpr8W69dU3rekJz47Kcr9BRwl",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 25.94,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "The Home Depot",
"original_description": "THE HOME DEPOT",
"pending": false,
"transaction_id": "QLx4jEJZb9SxRm7aWbjAio3LrgZ5vPswm64dE",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 27.57,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_OTHER_GENERAL_MERCHANDISE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "The Press Club",
"pending": false,
"transaction_id": "ZnQ1ovqBldSQ6GzRbroAHLdQP68BrKceqmAjX",
"unofficial_currency_code": null
}
],
"type": "depository"
}
],
"date_last_updated": "2024-07-16T01:52:42.912331716Z",
"institution_id": "ins_109512",
"institution_name": "Houndstooth Bank",
"item_id": "NZzx4oRPkAHzyRekpG4PTZkDNkQW93tWnyGeA"
}
],
"report_id": "f3bb434f-1c9b-4ef2-b76c-3d1fd08156ec"
},
"warnings": [],
"request_id": "FibfL8t3s71KJnj"
}/cra/check_report/income_insights/get
Retrieve cash flow information from your user's banks
This endpoint allows you to retrieve the Income Insights report for your user. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs./cra/check_report/income_insights/get
try {
const response = await client.craCheckReportIncomeInsightsGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
The Check Income Insights Report for an end user.
string
The unique identifier associated with the Check Income Insights Report.
string
The time when the Check Income Insights Report was generated.
Format:
date-time integer
The number of days requested by the customer for the Check Income Insights Report.
nullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
[object]
The list of Items in the report along with the associated metadata about the Item.
string
The
item_id of the Item associated with this webhook, warning, or error[object]
The Item's accounts that have bank income data.
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.nullablestring
The last 2-4 alphanumeric characters of an account's official account number.
Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
string
The name of the bank account.
nullablestring
The official name of the bank account.
string
Valid account subtypes for depository accounts. For a list containing descriptions of each subtype, see Account schemas.
Possible values:
checking, savings, hsa, cd, money market, paypal, prepaid, cash management, ebt, allstring
The account type. This will always be
depository.Possible values:
depository[object]
The income sources for this Item. Each entry in the array is a single income source.
string
The account ID with which this income source is associated.
string
A unique identifier for an income source. If the report is regenerated and a new
report_id is created, the new report will have a new set of income_source_ids.string
The most common name or original description for the underlying income transactions.
string
The income category.
BANK_INTEREST: Interest earned from a bank account.
BENEFIT_OTHER: Government benefits other than retirement, unemployment, child support, or disability. Currently used only in the UK, to represent benefits such as Cost of Living Payments.
CASH: Deprecated and used only for existing legacy implementations. Has been replaced by CASH_DEPOSIT and TRANSFER_FROM_APPLICATION.
CASH_DEPOSIT: A cash or check deposit.
CHILD_SUPPORT: Child support payments received.
GIG_ECONOMY: Income earned as a gig economy worker, e.g. driving for Uber, Lyft, Postmates, DoorDash, etc.
LONG_TERM_DISABILITY: Disability payments, including Social Security disability benefits.
OTHER: Income that could not be categorized as any other income category.
MILITARY: Veterans benefits. Income earned as salary for serving in the military (e.g. through DFAS) will be classified as SALARY rather than MILITARY.
RENTAL: Income earned from a rental property. Income may be identified as rental when the payment is received through a rental platform, e.g. Airbnb; rent paid directly by the tenant to the property owner (e.g. via cash, check, or ACH) will typically not be classified as rental income.
RETIREMENT: Payments from private retirement systems, pensions, and government retirement programs, including Social Security retirement benefits.
SALARY: Payment from an employer to an earner or other form of permanent employment.
TAX_REFUND: A tax refund.
TRANSFER_FROM_APPLICATION: Deposits from a money transfer app, such as Venmo, Cash App, or Zelle.
UNEMPLOYMENT: Unemployment benefits. In the UK, includes certain low-income benefits such as the Universal Credit.Possible values:
SALARY, UNEMPLOYMENT, CASH, GIG_ECONOMY, RENTAL, CHILD_SUPPORT, MILITARY, RETIREMENT, LONG_TERM_DISABILITY, BANK_INTEREST, CASH_DEPOSIT, TRANSFER_FROM_APPLICATION, TAX_REFUND, BENEFIT_OTHER, OTHERstring
Minimum of all dates within the specific income sources in the user's bank account for days requested by the client.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
Maximum of all dates within the specific income sources in the user’s bank account for days requested by the client.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The income pay frequency.
Possible values:
WEEKLY, BIWEEKLY, SEMI_MONTHLY, MONTHLY, DAILY, UNKNOWNnumber
Total amount of earnings in the user’s bank account for the specific income source for days requested by the client.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.integer
Number of transactions for the income source within the start and end date.
nullablestring
The expected date of the end user’s next paycheck for the income source.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The status of the income sources.
ACTIVE: The income source is active.
INACTIVE: The income source is inactive.
UNKNOWN: The income source status is unknown.Possible values:
ACTIVE, INACTIVE, UNKNOWNnullablenumber
An estimate of the average gross monthly income based on the historical net amount and income category for the income source(s).
nullablenumber
The average monthly net income amount estimated based on the historical data for the income source(s).
nullablenumber
The predicted average monthly net income amount for the income source(s).
[object]
The prediction interval(s) for the forecasted average monthly income.
nullablenumber
The lower bound of the predicted attribute for the given probability.
nullablenumber
The upper bound of the predicted attribute for the given probability.
nullablenumber
The probability of the actual value of the attribute falling within the upper and lower bound.
This is a percentage represented as a value between 0 and 1.
object
The object containing employer data.
nullablestring
The name of the employer.
nullableobject
The object containing data about the income provider.
string
The name of the income provider.
boolean
Indicates whether the income provider name is normalized by comparing it against a canonical set of known providers.
[object]
[object]
Total amount of earnings for the income source(s) of the user for the month in the summary.
This can contain multiple amounts, with each amount denominated in one unique currency.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.string
The start date of the period covered in this monthly summary.
This date will be the first day of the month, unless the month being covered is a partial month because it is the first month included in the summary and the date range being requested does not begin with the first day of the month.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of the period included in this monthly summary.
This date will be the last day of the month, unless the month being covered is a partial month because it is the last month included in the summary and the date range being requested does not end with the last day of the month.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date [object]
string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.number
The settled value of the transaction, denominated in the transaction's currency as stated in
iso_currency_code or unofficial_currency_code.
Positive values when money moves out of the account; negative values when money moves in.
For example, credit card purchases are positive; credit card payment, direct deposits, and refunds are negative.string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted.
Both dates are returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date deprecatedstring
The merchant name or transaction description. This is a legacy field that is no longer maintained. For merchant name, use the
merchant_name field; for description, use the original_description field.nullablestring
The string returned by the financial institution to describe the transaction.
boolean
When true, identifies the transaction as pending or unsettled.
Pending transaction details (name, type, amount, category ID) may change before they are settled.
nullablestring
The check number of the transaction. This field is only populated for check transactions.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullablestring
The type of bonus that this transaction represents, if it is a bonus.
BONUS_INCLUDED: Bonus is included in this transaction along with the normal pay
BONUS_ONLY: This transaction is a standalone bonusPossible values:
BONUS_INCLUDED, BONUS_ONLY, nullstring
The time when this Item's data was last retrieved from the financial institution.
Format:
date-time string
The unique identifier of the institution associated with the Item.
string
The name of the institution associated with the Item.
object
Summary for income across all income sources and items (max history of 730 days).
[object]
Total amount of earnings across all the income sources in the end user's Items for the days requested by the client.
This can contain multiple amounts, with each amount denominated in one unique currency.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.string
The earliest date within the days requested in which all income sources identified by Plaid appear in a user's account.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The latest date in which all income sources identified by Plaid appear in the user's account.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date integer
Number of income sources per end user.
integer
Number of income categories per end user.
integer
Number of income transactions per end user.
[object]
An estimate of the average gross monthly income based on the historical net amount and income category for the income source(s). The average monthly income is calculated based on the lifetime of the income stream, rather than the entire historical period included in the scope of the report.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
The average monthly income amount estimated based on the historical data for the income source(s). The average monthly income is calculated based on the lifetime of the income stream, rather than the entire historical period included in the scope of the report.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
The predicted average monthly income amount for the income source(s).
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
An estimate of the annual gross income for the income source, calculated by multiplying the
historical_average_monthly_gross_income by 12.number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
An estimate of the annual net income for the income source, calculated by multiplying the
historical_average_monthly_income by 12.number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
The predicted average annual income amount for the income source(s).
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
[object]
Total amount of earnings for the income source(s) of the user for the month in the summary.
This can contain multiple amounts, with each amount denominated in one unique currency.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.string
The start date of the period covered in this monthly summary.
This date will be the first day of the month, unless the month being covered is a partial month because it is the first month included in the summary and the date range being requested does not begin with the first day of the month.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of the period included in this monthly summary.
This date will be the last day of the month, unless the month being covered is a partial month because it is the last month included in the summary and the date range being requested does not end with the last day of the month.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date [object]
string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.number
The settled value of the transaction, denominated in the transaction's currency as stated in
iso_currency_code or unofficial_currency_code.
Positive values when money moves out of the account; negative values when money moves in.
For example, credit card purchases are positive; credit card payment, direct deposits, and refunds are negative.string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted.
Both dates are returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date deprecatedstring
The merchant name or transaction description. This is a legacy field that is no longer maintained. For merchant name, use the
merchant_name field; for description, use the original_description field.nullablestring
The string returned by the financial institution to describe the transaction.
boolean
When true, identifies the transaction as pending or unsettled.
Pending transaction details (name, type, amount, category ID) may change before they are settled.
nullablestring
The check number of the transaction. This field is only populated for check transactions.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullablestring
The type of bonus that this transaction represents, if it is a bonus.
BONUS_INCLUDED: Bonus is included in this transaction along with the normal pay
BONUS_ONLY: This transaction is a standalone bonusPossible values:
BONUS_INCLUDED, BONUS_ONLY, null[object]
If data from the report was unable to be retrieved, the warnings object will contain information about the error that caused the data to be incomplete.
string
The warning type which will always be
BANK_INCOME_WARNING.Possible values:
BANK_INCOME_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Unable to extract identity for the Item
TRANSACTIONS_UNAVAILABLE: Unable to extract transactions for the Item
REPORT_DELETED: Report deleted due to customer or consumer request
DATA_UNAVAILABLE: No relevant data was found for the ItemPossible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, REPORT_DELETED, DATA_UNAVAILABLEobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INTERNAL_SERVER_ERROR, INSUFFICIENT_CREDENTIALS, ITEM_LOCKED, USER_SETUP_REQUIRED, COUNTRY_NOT_SUPPORTED, INSTITUTION_DOWN, INSTITUTION_NO_LONGER_SUPPORTED, INSTITUTION_NOT_RESPONDING, INVALID_CREDENTIALS, INVALID_MFA, INVALID_SEND_METHOD, ITEM_LOGIN_REQUIRED, MFA_NOT_SUPPORTED, NO_ACCOUNTS, ITEM_NOT_SUPPORTED, ACCESS_NOT_GRANTEDstring
We use standard HTTP response codes for success and failure notifications, and our errors are further classified by
error_type. In general, 200 HTTP codes correspond to success, 40X codes are for developer- or user-related failures, and 50X codes are for Plaid-related issues. Error fields will be null if no error has occurred.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
string
A user-friendly representation of the error code. null if the error is not related to user action.
This may change over time and is not safe for programmatic use.
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the Income Insights generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "bbfc5174-5433-4648-8d93-9fec6a0c0966",
"generated_time": "2022-01-31T22:47:53Z",
"days_requested": 365,
"items": [
{
"item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",
"last_updated_time": "2022-01-31T22:47:53Z",
"institution_id": "ins_0",
"institution_name": "Plaid Bank",
"bank_income_accounts": [
{
"account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
"mask": "8888",
"metadata": {
"start_date": "2024-01-01",
"end_date": "2024-07-16"
},
"name": "Plaid Checking Account",
"official_name": "Plaid Checking Account",
"type": "depository",
"subtype": "checking",
"owners": []
}
],
"bank_income_sources": [
{
"account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
"income_source_id": "f17efbdd-caab-4278-8ece-963511cd3d51",
"income_description": "PLAID_INC_DIRECT_DEP_PPD",
"income_category": "SALARY",
"start_date": "2021-11-15",
"end_date": "2022-01-15",
"pay_frequency": "MONTHLY",
"total_amount": 300,
"iso_currency_code": "USD",
"unofficial_currency_code": null,
"transaction_count": 1,
"next_payment_date": "2022-12-15",
"status": "ACTIVE",
"historical_average_monthly_gross_income": 390,
"historical_average_monthly_income": 300,
"forecasted_average_monthly_income": 300,
"forecasted_average_monthly_income_prediction_intervals": [
{
"lower_bound": 200,
"upper_bound": 400,
"probability": 0.8
}
],
"employer": {
"name": "Plaid Inc"
},
"income_provider": {
"name": "Plaid Inc",
"is_normalized": true
},
"historical_summary": [
{
"start_date": "2021-11-02",
"end_date": "2021-11-30",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "aH5klwqG3B19OMT7D6F24Syv8pdnJXmtZoKQ5",
"amount": 100,
"bonus_type": null,
"date": "2021-11-15",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123A",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
},
{
"start_date": "2021-12-01",
"end_date": "2021-12-31",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "mN3rQ5iH8BC41T6UjKL9oD2vWJpZqXFomGwY1",
"amount": 100,
"bonus_type": null,
"date": "2021-12-15",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123B",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
},
{
"start_date": "2022-01-01",
"end_date": "2022-01-31",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "zK9lDoR8uBH51PNQ3W4T6Mjy2VFXpGtJwsL4",
"amount": 100,
"bonus_type": null,
"date": "2022-01-31",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123C",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
}
]
}
]
}
],
"bank_income_summary": {
"total_amounts": [
{
"amount": 300,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"start_date": "2021-11-15",
"end_date": "2022-01-15",
"income_sources_count": 1,
"income_categories_count": 1,
"income_transactions_count": 1,
"historical_average_monthly_gross_income": [
{
"amount": 390,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"historical_average_monthly_income": [
{
"amount": 300,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"forecasted_average_monthly_income": [
{
"amount": 300,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"historical_annual_gross_income": [
{
"amount": 4680,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"historical_annual_income": [
{
"amount": 3600,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"forecasted_annual_income": [
{
"amount": 3600,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"historical_summary": [
{
"start_date": "2021-11-02",
"end_date": "2021-11-30",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "aH5klwqG3B19OMT7D6F24Syv8pdnJXmtZoKQ5",
"amount": 100,
"bonus_type": null,
"date": "2021-11-15",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123A",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
},
{
"start_date": "2021-12-01",
"end_date": "2021-12-31",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "mN3rQ5iH8BC41T6UjKL9oD2vWJpZqXFomGwY1",
"amount": 100,
"bonus_type": null,
"date": "2021-12-15",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123B",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
},
{
"start_date": "2022-01-01",
"end_date": "2022-01-31",
"total_amounts": [
{
"amount": 100,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"transactions": [
{
"transaction_id": "zK9lDoR8uBH51PNQ3W4T6Mjy2VFXpGtJwsL4",
"amount": 100,
"bonus_type": null,
"date": "2022-01-31",
"name": "PLAID_INC_DIRECT_DEP_PPD",
"original_description": "PLAID_INC_DIRECT_DEP_PPD 123C",
"pending": false,
"check_number": null,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
]
}
],
"warnings": []
}
}
}/cra/check_report/network_insights/get
Retrieve network attributes for the user
This endpoint allows you to retrieve the Network Insights product for your user. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn’t have sufficient data to generate the report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
If you did not initialize Link with the cra_network_attributes product or have generated a report using /cra/check_report/create, Plaid will generate the attributes when you call this endpoint.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.object
Defines configuration options to generate Network Insights
string
The version of network insights
Possible values:
NI1string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/check_report/network_insights/get
try {
const response = await client.craCheckReportNetworkInsightsGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
Contains data for the CRA Network Attributes Report.
string
The unique identifier associated with the report object.
string
The time when the report was generated.
Format:
date-time object
A map of network attributes, where the key is a string, and the value is a float, int, or boolean. For a full list of attributes, contact your account manager.
[object]
The Items the end user connected in Link.
string
The ID for the institution the user linked.
string
The name of the institution the user linked.
string
The identifier for the Item.
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the Network Insights generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "ee093cb0-e3f2-42d1-9dbc-8d8408964194",
"generated_time": "2022-01-31T22:47:53Z",
"network_attributes": {
"plaid_conn_user_lifetime_lending_count": 5,
"plaid_conn_user_lifetime_personal_lending_flag": 1,
"plaid_conn_user_lifetime_cash_advance_primary_count": 0
},
"items": [
{
"institution_id": "ins_0",
"institution_name": "Plaid Bank",
"item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7"
}
]
}
}/cra/check_report/partner_insights/get
Retrieve cash flow insights from partners
This endpoint allows you to retrieve the Partner Insights report for your user. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn’t have sufficient data to generate the base report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
If you did not initialize Link with the credit_partner_insights product or have generated a report using /cra/check_report/create, we will call our partners to generate the insights when you call this endpoint. In this case, you may optionally provide parameters under options to configure which insights you want to receive.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs.object
Defines configuration to generate Partner Insights
object
The versions of Prism products to evaluate
string
The version of Prism FirstDetect. If not specified, will default to v3.
Possible values:
3, nullstring
The version of Prism Detect
Possible values:
4, nullstring
The version of Prism CashScore. If not specified, will default to v3.
Possible values:
4, 3, nullstring
The version of Prism Extend
Possible values:
4, nullstring
The version of Prism Insights. If not specified, will default to v3.
Possible values:
4, 3, null/cra/check_report/partner_insights/get
try {
const response = await client.craCheckReportPartnerInsightsGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
The Partner Insights report of the bank data for an end user.
string
A unique identifier associated with the Partner Insights object.
string
The time when the Partner Insights report was generated.
Format:
date-time nullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
object
The Prism Data insights for the user.
nullableobject
The data from the Insights product returned by Prism Data.
integer
The version of Prism Data's insights model used.
object
The Insights Result object is a map of cash flow attributes, where the key is a string, and the value is a float or string. For a full list of attributes, contact your account manager. The attributes may vary depending on the Prism version used.
string
The error returned by Prism for this product.
nullableobject
The data from the CashScore® product returned by Prism Data.
deprecatedinteger
The version of Prism Data's cash score model used. This field is deprecated in favor of
model_version.string
The version of Prism Data's cash score model used.
nullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
[string]
The reasons for an individual having risk according to the cash score.
object
An object containing metadata about the provided transactions.
nullableinteger
Number of days since the oldest transaction.
nullableinteger
Number of days since the latest transaction.
nullableinteger
Number of days since the latest credit transaction.
nullableinteger
Number of days since the latest debit transaction.
nullableinteger
Number of days since the oldest debit transaction.
nullableinteger
Number of days since the oldest credit transaction.
nullableinteger
Number of credit transactions.
nullableinteger
Number of debit transactions.
nullableinteger
Number of credit transactions in the last 30 days.
nullableinteger
Number of debit transactions in the last 30 days.
string
The error returned by Prism for this product.
nullableobject
The data from the CashScore® Extend product returned by Prism Data.
string
The version of Prism Data's CashScore® Extend model used.
nullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
[string]
The reasons for an individual having risk according to the CashScore® Extend score.
object
An object containing metadata about the provided transactions.
nullableinteger
Number of days since the oldest transaction.
nullableinteger
Number of days since the latest transaction.
nullableinteger
Number of days since the latest credit transaction.
nullableinteger
Number of days since the latest debit transaction.
nullableinteger
Number of days since the oldest debit transaction.
nullableinteger
Number of days since the oldest credit transaction.
nullableinteger
Number of credit transactions.
nullableinteger
Number of debit transactions.
nullableinteger
Number of credit transactions in the last 30 days.
nullableinteger
Number of debit transactions in the last 30 days.
string
The error returned by Prism for this product.
nullableobject
The data from the FirstDetect product returned by Prism Data.
deprecatedinteger
The version of Prism Data's FirstDetect model used. This field is deprecated in favor of
model_version.string
The version of Prism Data's FirstDetect model used.
nullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
[string]
The reasons for an individual having risk according to the FirstDetect score.
object
An object containing metadata about the provided transactions.
nullableinteger
Number of days since the oldest transaction.
nullableinteger
Number of days since the latest transaction.
nullableinteger
Number of days since the latest credit transaction.
nullableinteger
Number of days since the latest debit transaction.
nullableinteger
Number of days since the oldest debit transaction.
nullableinteger
Number of days since the oldest credit transaction.
nullableinteger
Number of credit transactions.
nullableinteger
Number of debit transactions.
nullableinteger
Number of credit transactions in the last 30 days.
nullableinteger
Number of debit transactions in the last 30 days.
string
The error returned by Prism for this product.
nullableobject
The data from the CashScore® Detect product returned by Prism Data.
string
The version of Prism Data's CashScore® Detect model used.
nullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
[string]
The reasons for an individual having risk according to the CashScore® Detect score.
object
An object containing metadata about the provided transactions.
nullableinteger
Number of days since the oldest transaction.
nullableinteger
Number of days since the latest transaction.
nullableinteger
Number of days since the latest credit transaction.
nullableinteger
Number of days since the latest debit transaction.
nullableinteger
Number of days since the oldest debit transaction.
nullableinteger
Number of days since the oldest credit transaction.
nullableinteger
Number of credit transactions.
nullableinteger
Number of debit transactions.
nullableinteger
Number of credit transactions in the last 30 days.
nullableinteger
Number of debit transactions in the last 30 days.
string
The error returned by Prism for this product.
string
Details on whether the Prism Data attributes succeeded or failed to be generated.
[object]
The list of Items used in the report along with the associated metadata about the Item.
string
The ID for the institution that the user linked.
string
The name of the institution the user linked.
string
The identifier for the item.
[object]
A list of accounts in the item
string
Plaid's unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.nullablestring
The last 2-4 alphanumeric characters of an account's official account number.
Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
string
The name of the account
nullablestring
The official name of the bank account.
string
Valid account subtypes for depository accounts. For a list containing descriptions of each subtype, see Account schemas.
Possible values:
checking, savings, hsa, cd, money market, paypal, prepaid, cash management, ebt, allstring
The account type. This will always be
depository.Possible values:
depositorystring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the Partner Insights generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
"client_report_id": "client_report_id_1221",
"generated_time": "2022-01-31T22:47:53Z",
"items": [
{
"institution_id": "ins_109508",
"institution_name": "Plaid Bank",
"item_id": "Ed6bjNrDLJfGvZWwnkQlfxwoNz54B5C97ejBr",
"accounts": [
{
"account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
"mask": "8888",
"metadata": {
"start_date": "2022-01-01",
"end_date": "2022-01-31"
},
"name": "Plaid Checking Account",
"official_name": "Plaid Checking Account",
"type": "depository",
"subtype": "checking",
"owners": []
}
]
}
],
"prism": {
"insights": {
"version": 3,
"result": {
"l6m_cumbal_acc": 1
}
},
"cash_score": {
"version": 3,
"model_version": "3",
"score": 900,
"reason_codes": [
"CS03038"
],
"metadata": {
"max_age": 20,
"min_age": 1,
"min_age_credit": 0,
"min_age_debit": 1,
"max_age_debit": 20,
"max_age_credit": 0,
"num_trxn_credit": 0,
"num_trxn_debit": 40,
"l1m_credit_value_cnt": 0,
"l1m_debit_value_cnt": 40
}
},
"first_detect": {
"version": 3,
"model_version": "3",
"score": 900,
"reason_codes": [
"CS03038"
],
"metadata": {
"max_age": 20,
"min_age": 1,
"min_age_credit": 0,
"min_age_debit": 1,
"max_age_debit": 20,
"max_age_credit": 0,
"num_trxn_credit": 0,
"num_trxn_debit": 40,
"l1m_credit_value_cnt": 0,
"l1m_debit_value_cnt": 40
}
},
"status": "SUCCESS"
}
}
}/cra/check_report/pdf/get
Retrieve Consumer Reports as a PDF
/cra/check_report/pdf/get retrieves the most recent Consumer Report in PDF format. By default, the most recent Base Report (if it exists) for the user will be returned. To request that the most recent Partner Insights or Income Insights report be included in the PDF as well, use the add-ons field.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.[string]
Use this field to include other reports in the PDF.
Possible values:
cra_income_insights, cra_partner_insightsstring
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/check_report/pdf/get
try {
const response = await client.craCheckReportPDFGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
const pdf = response.buffer.toString('base64');
} catch (error) {
// handle error
}
Response
This endpoint returns binary PDF data. View a sample Check Report PDF. View a sample Check Report PDF containing Income Insights.
/cra/check_report/cashflow_insights/get
Retrieve cash flow insights from your user's banking data
This endpoint allows you to retrieve the Cashflow Insights report for your user. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn’t have sufficient data to generate the insights, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
If you did not initialize Link with the cra_cashflow_insights product or have generated a report using /cra/check_report/create, we will generate the insights when you call this endpoint. In this case, you may optionally provide parameters under options to configure which insights you want to receive.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs.object
Defines configuration options to generate Cashflow Insights
string
The version of cashflow attributes
Possible values:
CFI1/cra/check_report/cashflow_insights/get
try {
const response = await client.craCheckReportCashflowInsightsGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
Contains data for the CRA Cashflow Insights Report.
string
The unique identifier associated with the report object.
string
The time when the report was generated.
Format:
date-time object
A map of cash flow attributes, where the key is a string, and the value is a float, int, or boolean. The specific list of attributes will depend on the cash flow attributes version used. For a full list of attributes, contact your account manager.
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the Cashflow Insights generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
"generated_time": "2022-01-31T22:47:53Z",
"attributes": {
"cash_reliance_atm_withdrawal_amt_cv_90d": 180.1
}
}
}/cra/check_report/lend_score/get
Retrieve the LendScore from your user's banking data
This endpoint allows you to retrieve the LendScore report for your user. You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create. If the most recent consumer report for the user doesn’t have sufficient data to generate the insights, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create.
If you did not initialize Link with the cra_lend_score product or call /cra/check_report/create with the cra_lend_score product, Plaid will generate the insights when you call this endpoint. In this case, you may optionally provide parameters under options to configure which insights you want to receive.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs.object
Defines configuration options to generate the LendScore
string
The version of the LendScore
Possible values:
LS1/cra/check_report/lend_score/get
try {
const response = await client.craCheckReportLendScoreGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
});
} catch (error) {
// handle error
}
Response fields
object
Contains data for the CRA LendScore Report.
string
The unique identifier associated with the report object.
string
The time when the report was generated.
Format:
date-time nullableobject
The results of the LendScore
nullableinteger
The score returned by the LendScore model. Will be an integer in the range 1 to 99. Higher scores indicate lower credit risk.
[string]
The reasons for an individual having risk according to the LendScore. For a full list of possible reason codes, contact your Plaid Account Manager. Different LendScore versions will use different sets of reason codes.
nullablestring
Human-readable description of why the LendScore could not be computed.
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the LendScore generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",
"generated_time": "2022-01-31T22:47:53Z",
"lend_score": {
"score": 80,
"reason_codes": [
"Bank Balance Volatility"
]
}
}
}/cra/check_report/verification/get
Retrieve various home lending reports for a user.
This endpoint allows you to retrieve home lending reports for a user. To obtain a VoA or Employment Refresh report, you need to make sure that cra_base_report is included in the products parameter when calling /link/token/create or /cra/check_report/create.
You should call this endpoint after you've received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook, either after the Link session for the user or after calling /cra/check_report/create.
If the most recent consumer report for the user doesn’t have sufficient data to generate the report, or the consumer report has expired, you will receive an error indicating that you should create a new consumer report by calling /cra/check_report/create."
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.required[string]
Specifies which types of home lending reports are expected in the response
Possible values:
VOA, EMPLOYMENT_REFRESHobject
Defines configuration options for the Employment Refresh Report.
requiredinteger
The number of days of data to request for the report. This field is required if an Employment Refresh Report is requested. Maximum is 731.
Maximum:
731 string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/check_report/verification/get
try {
const response = await client.craCheckReportVerificationGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
reports_requested: ['VOA', 'EMPLOYMENT_REFRESH'],
employment_refresh_options: {
days_requested: 60,
},
});
} catch (error) {
// handle error
}
Response fields
object
Contains data for the CRA Home Lending Report.
string
The unique identifier associated with the Home Lending Report object. This ID will be the same as the Base Report ID.
nullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
nullableobject
An object representing a VOA report.
string
The date and time when the VOA Report was created, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time number
The number of days of transaction history that the VOA report covers.
[object]
Data returned by Plaid about each of the Items included in the Base Report.
[object]
Data about each of the accounts open on the Item.
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.object
VOA Report information about an account's balances.
nullablenumber
The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For
For
For
Note that not all institutions calculate the
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
If
For
credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.For
depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.Note that not all institutions calculate the
available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
/accounts/balance/get.If
current is null this field is guaranteed not to be null.Format:
double nullablenumber
The total amount of funds in or owed by the account.
For
For
For
Note that balance information may be cached unless the value was returned by
When returned by
For
credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.For
loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.Note that balance information may be cached unless the value was returned by
/accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.When returned by
/accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.Format:
double nullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the balance. Always null if
See the currency code schema for a full listing of supported
iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.[object]
Calculated data about the historical balances on the account.
Available for
Available for
credit and depository type accounts.number
The total amount of funds in the account, calculated from the
current balance in the balance object by subtracting inflows and adding back outflows according to the posted date of each transaction.Format:
double string
nullablestring
The ISO-4217 currency code of the balance. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the balance. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablenumber
The average balance in the account over the last 30 days. Calculated using the derived historical balances.
Format:
double nullablenumber
The average balance in the account over the last 60 days. Calculated using the derived historical balances.
Format:
double number
The number of net NSF fee transactions in the time range for the report in the given account (not counting any fees that were reversed within the time range).
[object]
The information about previously submitted valid dispute statements by the consumer
deprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
string
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date string
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstring
Text content of dispute
nullablestring
The last 2-4 alphanumeric characters of an account's official account number. Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
string
The name of the account, either assigned by the user or by the financial institution itself.
nullablestring
The official name of the account as given by the financial institution.
string
investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.credit: Credit carddepository: Depository accountloan: Loan accountother: Non-specified account typeSee the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
investment, credit, depository, loan, brokerage, othernullablestring
See the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuitynumber
The duration of transaction history available within this report for this Item, typically defined as the time since the date of the earliest transaction in that account.
object
Transaction data associated with the account.
[object]
Transaction history associated with the account.
string
The ID of the account in which this transaction occurred.
number
The settled value of the transaction, denominated in the transaction's currency, as stated in
iso_currency_code or unofficial_currency_code. Positive values when money moves out of the account; negative values when money moves in. For example, debit card purchases are positive; credit card payments, direct deposits, and refunds are negative.Format:
double nullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the transaction. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablestring
The string returned by the financial institution to describe the transaction.
nullableobject
Information describing the intent of the transaction. Most relevant for credit use cases, but not limited to such use cases.
See the
See the
taxonomy csv file for a full list of credit categories.string
A high level category that communicates the broad category of the transaction.
string
A granular category conveying the transaction's intent. This field can also be used as a unique identifier for the category.
nullablestring
The check number of the transaction. This field is only populated for check transactions.
string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted. Both dates are returned in an ISO 8601 format (
YYYY-MM-DD ).Format:
date nullablestring
The date on which the transaction took place, in IS0 8601 format.
object
A representation of where a transaction took place. Location data is provided only for transactions at physical locations, not for online transactions. Location data availability depends primarily on the merchant and is most likely to be populated for transactions at large retail chains; small, local businesses are less likely to have location data available.
nullablestring
The street address where the transaction occurred.
nullablestring
The city where the transaction occurred.
nullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.nullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
nullablenumber
The latitude where the transaction occurred.
Format:
double nullablenumber
The longitude where the transaction occurred.
Format:
double nullablestring
The merchant defined store number where the transaction occurred.
nullablestring
The merchant name, as enriched by Plaid from the
name field. This is typically a more human-readable version of the merchant counterparty in the transaction. For some bank transactions (such as checks or account transfers) where there is no meaningful merchant name, this value will be null.boolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.nullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.nullablestring
The latest timeframe provided by the FI, in an ISO 8601 format (YYYY-MM-DD).
Format:
date nullablestring
The earliest timeframe provided by the FI, in an ISO 8601 format (YYYY-MM-DD).
Format:
date [object]
Data returned by the financial institution about the account owner or owners.
[string]
A list of names associated with the account by the financial institution. In the case of a joint account, Plaid will make a best effort to report the names of all account holders.
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
names array.[object]
A list of phone numbers associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The phone number.
boolean
When
true, identifies the phone number as the primary number on an account.string
The type of phone number.
Possible values:
home, work, office, mobile, mobile1, other[object]
A list of email addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The email address.
boolean
When
true, identifies the email address as the primary email on an account.string
The type of email account as described by the financial institution.
Possible values:
primary, secondary, other[object]
Data about the various addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
object
Data about the components comprising an address.
nullablestring
The full city name
nullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"string
The full street address
Example:
"564 Main Street, APT 15"nullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code
boolean
When
true, identifies the address as the primary address on an account.nullablestring
How an asset is owned.
association: Ownership by a corporation, partnership, or unincorporated association, including for-profit and not-for-profit organizations.
individual: Ownership by an individual.
joint: Joint ownership by multiple parties.
trust: Ownership by a revocable or irrevocable trust.Possible values:
null, individual, joint, association, trustnullableobject
A set of fields describing the investments data on an account.
[object]
Quantities and values of securities held in the investment account. Map to the
securities array for security details.string
The Plaid
account_id associated with the holding.string
The Plaid
security_id associated with the holding. Security data is not specific to a user's account; any user who held the same security at the same financial institution at the same time would have identical security data. The security_id for the same security will typically be the same across different institutions, but this is not guaranteed. The security_id does not typically change, but may change if inherent details of the security change due to a corporate action, for example, in the event of a ticker symbol change or CUSIP change.number
The last price given by the institution for this security.
Format:
double nullablestring
The date at which
institution_price was current.Format:
date number
The value of the holding, as reported by the institution.
Format:
double nullablenumber
The original total value of the holding. This field is calculated by Plaid as the sum of the purchase price of all of the shares in the holding.
Format:
double number
The total quantity of the asset held, as reported by the financial institution. If the security is an option,
quantity will reflect the total number of options (typically the number of contracts multiplied by 100), not the number of contracts.Format:
double nullablestring
The ISO-4217 currency code of the holding. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the holding. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
iso_currency_codes.[object]
Details of specific securities held in the investment account.
string
A unique, Plaid-specific identifier for the security, used to associate securities with holdings. Like all Plaid identifiers, the
security_id is case sensitive. The security_id may change if inherent details of the security change due to a corporate action, for example, in the event of a ticker symbol change or CUSIP change.nullablestring
A descriptive name for the security, suitable for display.
nullablestring
12-character ISIN, a globally unique securities identifier. A verified CUSIP Global Services license is required to receive this data. This field will be null by default for new customers, and null for existing customers starting March 12, 2024. If you would like access to this field, please start the verification process here.
nullablestring
9-character CUSIP, an identifier assigned to North American securities. A verified CUSIP Global Services license is required to receive this data. This field will be null by default for new customers, and null for existing customers starting March 12, 2024. If you would like access to this field, please start the verification process here.
nullablestring
An identifier given to the security by the institution.
nullablestring
If
institution_security_id is present, this field indicates the Plaid institution_id of the institution to whom the identifier belongs.nullablestring
The security’s trading symbol for publicly traded securities, and otherwise a short identifier if available.
nullablestring
The security type of the holding. Valid security types are:
cash: Cash, currency, and money market fundscryptocurrency: Digital or virtual currenciesderivative: Options, warrants, and other derivative instrumentsequity: Domestic and foreign equitiesetf: Multi-asset exchange-traded investment fundsfixed income: Bonds and certificates of deposit (CDs)loan: Loans and loan receivablesmutual fund: Open- and closed-end vehicles pooling funds of multiple investorsother: Unknown or other investment types[object]
Transaction history on the investment account.
string
The ID of the Investment transaction, unique across all Plaid transactions. Like all Plaid identifiers, the
investment_transaction_id is case sensitive.string
The
account_id of the account against which this transaction posted.nullablestring
The
security_id to which this transaction is related.string
string
The institution’s description of the transaction.
number
The number of units of the security involved in this transaction. Positive for buy transactions; negative for sell transactions.
Format:
double number
The complete value of the transaction. Positive values when cash is debited, e.g. purchases of stock; negative values when cash is credited, e.g. sales of stock. Treatment remains the same for cash-only movements unassociated with securities.
Format:
double number
The price of the security at which this transaction occurred.
Format:
double nullablenumber
The combined value of all fees applied to this transaction
Format:
double string
Value is one of the following:
For descriptions of possible transaction types and subtypes, see the Investment transaction types schema.
buy: Buying an investment
sell: Selling an investment
cancel: A cancellation of a pending transaction
cash: Activity that modifies a cash position
fee: A fee on the account
transfer: Activity which modifies a position, but not through buy/sell activity e.g. options exercise, portfolio transferFor descriptions of possible transaction types and subtypes, see the Investment transaction types schema.
Possible values:
buy, sell, cancel, cash, fee, transferstring
For descriptions of possible transaction types and subtypes, see the Investment transaction types schema.
Possible values:
account fee, adjustment, assignment, buy, buy to cover, contribution, deposit, distribution, dividend, dividend reinvestment, exercise, expire, fund fee, interest, interest receivable, interest reinvestment, legal fee, loan payment, long-term capital gain, long-term capital gain reinvestment, management fee, margin expense, merger, miscellaneous fee, non-qualified dividend, non-resident tax, pending credit, pending debit, qualified dividend, rebalance, return of principal, request, sell, sell short, send, short-term capital gain, short-term capital gain reinvestment, spin off, split, stock distribution, tax, tax withheld, trade, transfer, transfer fee, trust fee, unqualified gain, withdrawalnullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the holding. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
iso_currency_codes.string
The full financial institution name associated with the Item.
string
The id of the financial institution associated with the Item.
string
The
item_id of the Item associated with this webhook, warning, or errorstring
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time object
Attributes for the VOA report.
nullableobject
Total amount of debit transactions into the report's accounts in the time period of the report. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the report's accounts in the time period of the report. This field only takes into account USD transactions from the accounts.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
An object representing an Employment Refresh Report.
string
The date and time when the Employment Refresh Report was created, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time number
The number of days of transaction history that the Employment Refresh Report covers.
[object]
Data returned by Plaid about each of the Items included in the Employment Refresh Report.
[object]
Data about each of the accounts open on the Item.
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.string
The name of the account, either assigned by the user or by the financial institution itself.
nullablestring
The official name of the account as given by the financial institution.
string
investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.credit: Credit carddepository: Depository accountloan: Loan accountother: Non-specified account typeSee the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
investment, credit, depository, loan, brokerage, othernullablestring
See the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuity[object]
Transaction history associated with the account for the Employment Refresh Report. Note that this transaction differs from a Base Report transaction in that it will only be deposits, and the amounts will be omitted.
string
The ID of the account in which this transaction occurred.
string
The string returned by the financial institution to describe the transaction.
string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted. Both dates are returned in an ISO 8601 format (
YYYY-MM-DD ).Format:
date boolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.string
The full financial institution name associated with the Item.
string
The id of the financial institution associated with the Item.
string
The
item_id of the Item associated with this webhook, warning, or errorstring
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
[object]
If the home lending report generation was successful but a subset of data could not be retrieved, this array will contain information about the errors causing information to be missing.
string
The warning type, which will always be
CHECK_REPORT_WARNINGstring
The warning code identifies a specific kind of warning.
IDENTITY_UNAVAILABLE: Account-owner information is not available.
TRANSACTIONS_UNAVAILABLE: Transactions information associated with Credit and Depository accounts are unavailable.
USER_FRAUD_ALERT: The user has placed a fraud alert on their Plaid Check consumer report due to suspected fraud. Please note that when a fraud alert is in place, the recipient of the consumer report has an obligation to verify the consumer’s identity.Possible values:
IDENTITY_UNAVAILABLE, TRANSACTIONS_UNAVAILABLE, USER_FRAUD_ALERTnullableobject
An error object and associated
item_id used to identify a specific Item and error when a batch operation operating on multiple Items has encountered an error in one of the Items.string
A broad categorization of the error. Safe for programmatic use.
Possible values:
INVALID_REQUEST, INVALID_RESULT, INVALID_INPUT, INSTITUTION_ERROR, RATE_LIMIT_EXCEEDED, API_ERROR, ITEM_ERROR, ASSET_REPORT_ERROR, RECAPTCHA_ERROR, OAUTH_ERROR, PAYMENT_ERROR, BANK_TRANSFER_ERROR, INCOME_VERIFICATION_ERROR, MICRODEPOSITS_ERROR, SANDBOX_ERROR, PARTNER_ERROR, SIGNAL_ERROR, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERROR, USER_ERRORstring
The particular error code. Safe for programmatic use.
nullablestring
The specific reason for the error code. Currently, reasons are only supported OAuth-based item errors;
Possible values:
null will be returned otherwise. Safe for programmatic use.Possible values:
OAUTH_INVALID_TOKEN: The user’s OAuth connection to this institution has been invalidated.OAUTH_CONSENT_EXPIRED: The user's access consent for this OAuth connection to this institution has expired.OAUTH_USER_REVOKED: The user’s OAuth connection to this institution is invalid because the user revoked their connection.string
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
nullablestring
A user-friendly representation of the error code.
This may change over time and is not safe for programmatic use.
null if the error is not related to user action.This may change over time and is not safe for programmatic use.
string
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
array
In this product, a request can pertain to more than one Item. If an error is returned for such a request,
causes will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified.causes will be provided for the error_type ASSET_REPORT_ERROR or CHECK_REPORT_ERROR. causes will also not be populated inside an error nested within a warning object.nullableinteger
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
string
The URL of a Plaid documentation page with more information about the error
nullablestring
Suggested steps for resolving the error
[string]
A list of the account subtypes that were requested via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.[string]
A list of the account subtypes that were extracted but did not match the requested subtypes via the
account_filters parameter in /link/token/create. Currently only populated for NO_ACCOUNTS errors from Items with investments_auth as an enabled product.string
The
item_id of the Item associated with this webhook, warning, or errorResponse Object
{
"request_id": "LhQf0THi8SH1yJm",
"report": {
"report_id": "028e8404-a013-4a45-ac9e-002482f9cafc",
"client_report_id": "client_report_id_1221",
"voa": {
"generated_time": "2023-03-30T18:27:37Z",
"days_requested": 90,
"attributes": {
"total_inflow_amount": {
"amount": -345.12,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount": {
"amount": 235.12,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
},
"items": [
{
"accounts": [
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"balances": {
"available": 100,
"current": 110,
"iso_currency_code": "USD",
"unofficial_currency_code": null,
"historical_balances": [
{
"current": 110,
"date": "2023-03-29",
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
{
"current": 125.55,
"date": "2023-03-28",
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
{
"current": 80.13,
"date": "2023-03-27",
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
{
"current": 246.11,
"date": "2023-03-26",
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
{
"current": 182.71,
"date": "2023-03-25",
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
],
"average_balance_30_days": 200,
"average_balance_60_days": 150,
"average_balance_90_days": 125,
"nsf_overdraft_transactions_count": 0
},
"consumer_disputes": [],
"mask": "0000",
"name": "Plaid Checking",
"official_name": "Plaid Gold Standard 0% Interest Checking",
"type": "depository",
"subtype": "checking",
"days_available": 90,
"transactions_insights": {
"all_transactions": [
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"amount": 89.4,
"date": "2023-03-27",
"iso_currency_code": "USD",
"original_description": "SparkFun",
"pending": false,
"transaction_id": "4zBRq1Qem4uAPnoyKjJNTRQpQddM4ztlo1PLD",
"unofficial_currency_code": null
},
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"amount": 12,
"date": "2023-03-28",
"iso_currency_code": "USD",
"original_description": "McDonalds #3322",
"pending": false,
"transaction_id": "dkjL41PnbKsPral79jpxhMWdW55gkPfBkWpRL",
"unofficial_currency_code": null
},
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"amount": 4.33,
"date": "2023-03-28",
"iso_currency_code": "USD",
"original_description": "Starbucks",
"pending": false,
"transaction_id": "a84ZxQaWDAtDL3dRgmazT57K7jjN3WFkNWMDy",
"unofficial_currency_code": null
},
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"amount": -500,
"date": "2023-03-29",
"iso_currency_code": "USD",
"original_description": "United Airlines **** REFUND ****",
"pending": false,
"transaction_id": "xG9jbv3eMoFWepzB7wQLT3LoLggX5Duy1Gbe5",
"unofficial_currency_code": null
}
],
"end_date": "2024-07-31",
"start_date": "2024-07-01"
},
"owners": [
{
"addresses": [
{
"data": {
"city": "Malakoff",
"country": "US",
"region": "NY",
"street": "2992 Cameron Road",
"postal_code": "14236"
},
"primary": true
},
{
"data": {
"city": "San Matias",
"country": "US",
"region": "CA",
"street": "2493 Leisure Lane",
"postal_code": "93405-2255"
},
"primary": false
}
],
"emails": [
{
"data": "[email protected]",
"primary": true,
"type": "primary"
},
{
"data": "[email protected]",
"primary": false,
"type": "secondary"
},
{
"data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
"primary": false,
"type": "other"
}
],
"names": [
"Alberta Bobbeth Charleson"
],
"phone_numbers": [
{
"data": "+1 111-555-3333",
"primary": false,
"type": "home"
},
{
"data": "+1 111-555-4444",
"primary": false,
"type": "work"
},
{
"data": "+1 111-555-5555",
"primary": false,
"type": "mobile"
}
]
}
],
"ownership_type": null
}
],
"institution_name": "First Platypus Bank",
"institution_id": "ins_109508",
"item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",
"last_update_time": "2023-03-30T18:25:26Z"
}
]
},
"employment_refresh": {
"generated_time": "2023-03-30T18:27:37Z",
"days_requested": 60,
"items": [
{
"accounts": [
{
"account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
"name": "Plaid Money Market",
"official_name": "Plaid Platinum Standard 1.85% Interest Money Market",
"type": "depository",
"subtype": "money market",
"transactions": [
{
"account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",
"original_description": "ACH Electronic CreditGUSTO PAY 123456",
"date": "2023-03-30",
"pending": false,
"transaction_id": "gGQgjoeyqBF89PND6K14Sow1wddZBmtLomJ78"
}
]
},
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"name": "Plaid Checking",
"official_name": "Plaid Gold Standard 0% Interest Checking",
"type": "depository",
"subtype": "checking",
"transactions": [
{
"account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",
"original_description": "United Airlines **** REFUND ****",
"date": "2023-03-29",
"pending": false,
"transaction_id": "xG9jbv3eMoFWepzB7wQLT3LoLggX5Duy1Gbe5"
}
]
}
],
"institution_name": "First Platypus Bank",
"institution_id": "ins_109508",
"item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",
"last_update_time": "2023-03-30T18:25:26Z"
}
]
}
},
"warnings": []
}/cra/check_report/verification/pdf/get
Retrieve Consumer Reports as a Verification PDF
The /cra/check_report/verification/pdf/get endpoint retrieves the most recent Consumer Report in PDF format, specifically formatted for Home Lending verification use cases. Before calling this endpoint, ensure that you've created a VOA report through Link or the /cra/check_report/create endpoint, and have received a CHECK_REPORT_READY or a USER_CHECK_REPORT_READY webhook.
The response to /cra/check_report/verification/pdf/get is the PDF binary data. The request_id is returned in the Plaid-Request-ID header.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.requiredstring
The type of verification PDF report to fetch.
Possible values:
voa, employment_refreshstring
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/check_report/verification/pdf/get
try {
const response = await client.craCheckReportVerificationPDFGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
report_requested: 'VOA',
});
const pdf = response.buffer.toString('base64');
} catch (error) {
// handle error
}
Response
This endpoint returns binary PDF data. View a sample Home Lending Report (aka VoA Report) or Employment Refresh report.
/cra/check_report/create
Refresh or create a Consumer Report
The primary purpose of /cra/check_report/create is to refresh data in an existing report. A Consumer Report will last for 24 hours before expiring; you should call any /get endpoints on the report before it expires. If a report expires, you can call /cra/check_report/create again to re-generate it and refresh the data in the report.
/cra/check_report/create can also be used to create a new report if consumer_report_permissible_purpose was omitted during Link token creation. However, using the endpoint in this way is not recommended. Instead, consumer_report_permissible_purpose should always be specified when calling /link/token/create for Plaid CRA products; this will reduce latency and simplify the integration process. If you provide a consumer_report_permissible_purpose during Link token creation, then Plaid Check will automatically begin creating a Consumer Report once the user completes the Link process, and it is not necessary to call /cra/check_report/create before retrieving the report.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs.requiredstring
The destination URL to which webhooks will be sent
Format:
url requiredinteger
The number of days of data to request for the report. Default value is 365; maximum is 731; minimum is 180. If a value lower than 180 is provided, a minimum of 180 days of history will be requested.
Maximum:
731 integer
The minimum number of days of data required for the report to be successfully generated.
Maximum:
184 string
Client-generated identifier, which can be used by lenders to track loan applications.
[string]
Specifies a list of products that will be eagerly generated when creating the report (in addition to the Base Report, which is always eagerly generated). These products will be made available before a success webhook is sent. Use this option to minimize response latency for product
/get endpoints. Note that specifying cra_partner_insights in this field will trigger a billable event. Other products are not billed until the respective reports are fetched via product-specific /get endpoints.Min items:
1 Possible values:
cra_income_insights, cra_cashflow_insights, cra_partner_insights, cra_network_insights, cra_lend_scoreobject
Defines configuration options to generate a Base Report
deprecatedstring
Client-generated identifier, which can be used by lenders to track loan applications. This field is deprecated. Use the
client_report_id field at the top level of the request instead.object
Specifies options for creating reports that can be shared with GSEs for mortgage verification.
required[string]
Specifies which types of reports should be made available to GSEs.
Possible values:
VOA, EMPLOYMENT_REFRESHboolean
Indicates that the report must include identity information. If identity information is not available, the report will fail.
object
Defines configuration options to generate Cashflow Insights
string
The version of cashflow attributes
Possible values:
CFI1object
Defines configuration to generate Partner Insights.
deprecated[string]
The specific Prism Data products to return. If none are passed in, then all products will be returned.
Possible values:
insights, scoresobject
The versions of Prism products to evaluate
string
The version of Prism FirstDetect. If not specified, will default to v3.
Possible values:
3, nullstring
The version of Prism Detect
Possible values:
4, nullstring
The version of Prism CashScore. If not specified, will default to v3.
Possible values:
4, 3, nullstring
The version of Prism Extend
Possible values:
4, nullstring
The version of Prism Insights. If not specified, will default to v3.
Possible values:
4, 3, nullobject
Defines configuration options to generate the LendScore
string
The version of the LendScore
Possible values:
LS1object
Defines configuration options to generate Network Insights
string
The version of network insights
Possible values:
NI1boolean
Indicates that investment data should be extracted from the linked account(s).
requiredstring
Describes the reason you are generating a Consumer Report for this user.
ACCOUNT_REVIEW_CREDIT: In connection with a consumer credit transaction for the review or collection of an account pursuant to FCRA Section 604(a)(3)(A).ACCOUNT_REVIEW_NON_CREDIT: For a legitimate business need of the information to review a non-credit account provided primarily for personal, family, or household purposes to determine whether the consumer continues to meet the terms of the account pursuant to FCRA Section 604(a)(3)(F)(2).EXTENSION_OF_CREDIT: In connection with a credit transaction initiated by and involving the consumer pursuant to FCRA Section 604(a)(3)(A).LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING: For a legitimate business need in connection with a business transaction initiated by the consumer primarily for personal, family, or household purposes in connection with a property rental assessment pursuant to FCRA Section 604(a)(3)(F)(i).LEGITIMATE_BUSINESS_NEED_OTHER: For a legitimate business need in connection with a business transaction made primarily for personal, family, or household initiated by the consumer pursuant to FCRA Section 604(a)(3)(F)(i).WRITTEN_INSTRUCTION_PREQUALIFICATION: In accordance with the written instructions of the consumer pursuant to FCRA Section 604(a)(2), to evaluate an application’s profile to make an offer to the consumer.WRITTEN_INSTRUCTION_OTHER: In accordance with the written instructions of the consumer pursuant to FCRA Section 604(a)(2), such as when an individual agrees to act as a guarantor or assumes personal liability for a consumer, business, or commercial loan.Possible values:
ACCOUNT_REVIEW_CREDIT, ACCOUNT_REVIEW_NON_CREDIT, EXTENSION_OF_CREDIT, LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING, LEGITIMATE_BUSINESS_NEED_OTHER, WRITTEN_INSTRUCTION_PREQUALIFICATION, WRITTEN_INSTRUCTION_OTHER/cra/check_report/create
try {
const response = await client.craCheckReportCreate({
user_id: 'usr_9nSp2KuZ2x4JDw',
webhook: 'https://sample-web-hook.com',
days_requested: 365,
consumer_report_permissible_purpose: 'LEGITIMATE_BUSINESS_NEED_OTHER',
});
} catch (error) {
// handle error
}
Response fields
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
Response Object
{
"request_id": "LhQf0THi8SH1yJm"
}/cra/monitoring_insights/get
Retrieve a Monitoring Insights Report
This endpoint allows you to retrieve a Cash Flow Updates report by passing in the user_id referred to in the webhook you received.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.requiredstring
Describes the reason you are generating a Consumer Report for this user.
ACCOUNT_REVIEW_CREDIT: In connection with a consumer credit transaction for the review or collection of an account pursuant to FCRA Section 604(a)(3)(A).WRITTEN_INSTRUCTION_OTHER: In accordance with the written instructions of the consumer pursuant to FCRA Section 604(a)(2), such as when an individual agrees to act as a guarantor or assumes personal liability for a consumer, business, or commercial loan.Possible values:
ACCOUNT_REVIEW_CREDIT, WRITTEN_INSTRUCTION_OTHERstring
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/monitoring_insights/get
try {
const response = await client.craMonitoringInsightsGet({
user_id: 'usr_9nSp2KuZ2x4JDw',
consumer_report_permissible_purpose: 'EXTENSION_OF_CREDIT',
});
} catch (error) {
// handle error
}
Response fields
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
string
A unique ID identifying a User Monitoring Insights Report. Like all Plaid identifiers, this ID is case sensitive.
[object]
An array of Monitoring Insights Items associated with the user.
string
The date and time when the specific insights were generated (per-item), in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time string
The
item_id of the Item associated with the insightsstring
The id of the financial institution associated with the Item.
string
The full financial institution name associated with the Item.
object
An object with details of the Monitoring Insights Item's status.
string
Enum for the status of the Item's insights
Possible values:
AVAILABLE, FAILED, PENDINGnullablestring
A reason for why a Monitoring Insights Report is not available.
This field will only be populated when the
status_code is not AVAILABLEnullableobject
An object representing the Monitoring Insights for the given Item
object
An object representing the income subcategory of the report
object
Details about about the total monthly income
number
The aggregated income of the last 30 days
object
Details about the number of income sources
number
The number of income sources currently detected
object
An object representing the predicted average monthly net income amount. This amount reflects the funds deposited into the account and may not include any withheld income such as taxes or other payroll deductions
number
The current forecasted monthly income
object
An object representing the historical annual income amount.
number
The current historical annual income
[object]
The income sources for this Item. Each entry in the array is a single income source
string
A unique identifier for an income source
string
The most common name or original description for the underlying income transactions
string
The income category.
BANK_INTEREST: Interest earned from a bank account.
BENEFIT_OTHER: Government benefits other than retirement, unemployment, child support, or disability. Currently used only in the UK, to represent benefits such as Cost of Living Payments.
CASH: Deprecated and used only for existing legacy implementations. Has been replaced by CASH_DEPOSIT and TRANSFER_FROM_APPLICATION.
CASH_DEPOSIT: A cash or check deposit.
CHILD_SUPPORT: Child support payments received.
GIG_ECONOMY: Income earned as a gig economy worker, e.g. driving for Uber, Lyft, Postmates, DoorDash, etc.
LONG_TERM_DISABILITY: Disability payments, including Social Security disability benefits.
OTHER: Income that could not be categorized as any other income category.
MILITARY: Veterans benefits. Income earned as salary for serving in the military (e.g. through DFAS) will be classified as SALARY rather than MILITARY.
RENTAL: Income earned from a rental property. Income may be identified as rental when the payment is received through a rental platform, e.g. Airbnb; rent paid directly by the tenant to the property owner (e.g. via cash, check, or ACH) will typically not be classified as rental income.
RETIREMENT: Payments from private retirement systems, pensions, and government retirement programs, including Social Security retirement benefits.
SALARY: Payment from an employer to an earner or other form of permanent employment.
TAX_REFUND: A tax refund.
TRANSFER_FROM_APPLICATION: Deposits from a money transfer app, such as Venmo, Cash App, or Zelle.
UNEMPLOYMENT: Unemployment benefits. In the UK, includes certain low-income benefits such as the Universal Credit.Possible values:
SALARY, UNEMPLOYMENT, CASH, GIG_ECONOMY, RENTAL, CHILD_SUPPORT, MILITARY, RETIREMENT, LONG_TERM_DISABILITY, BANK_INTEREST, CASH_DEPOSIT, TRANSFER_FROM_APPLICATION, TAX_REFUND, BENEFIT_OTHER, OTHERstring
The last detected transaction date for this income source
Format:
date object
An object representing the loan exposure subcategory of the report
object
Details regarding the number of loan payments
number
The current number of loan payments made in the last 30 days
number
The number of loan disbursements detected in the last 30 days
object
Details regarding the number of unique loan payment merchants
number
The current number of unique loan payment merchants detected in the last 30 days
[object]
Data about each of the accounts open on the Item.
string
Plaid’s unique identifier for the account. This value will not change unless Plaid can't reconcile the account with the data returned by the financial institution. This may occur, for example, when the name of the account changes. If this happens a new
If an account with a specific
Like all Plaid identifiers, the
account_id will be assigned to the account.If an account with a specific
account_id disappears instead of changing, the account is likely closed. Closed accounts are not returned by the Plaid API.Like all Plaid identifiers, the
account_id is case sensitive.object
Information about an account's balances.
nullablenumber
The amount of funds available to be withdrawn from the account, as determined by the financial institution.
For
For
For
Note that not all institutions calculate the
Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
If
For
credit-type accounts, the available balance typically equals the limit less the current balance, less any pending outflows plus any pending inflows.For
depository-type accounts, the available balance typically equals the current balance less any pending outflows plus any pending inflows. For depository-type accounts, the available balance does not include the overdraft limit.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the available balance is the total cash available to withdraw as presented by the institution.Note that not all institutions calculate the
available balance. In the event that available balance is unavailable, Plaid will return an available balance value of null.Available balance may be cached and is not guaranteed to be up-to-date in realtime unless the value was returned by
/accounts/balance/get.If
current is null this field is guaranteed not to be null.Format:
double nullablenumber
The total amount of funds in or owed by the account.
For
For
For
Note that balance information may be cached unless the value was returned by
When returned by
For
credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder.For
loan-type accounts, the current balance is the principal remaining on the loan, except in the case of student loan accounts at Sallie Mae (ins_116944). For Sallie Mae student loans, the account's balance includes both principal and any outstanding interest.For
investment-type accounts (or brokerage-type accounts for API versions 2018-05-22 and earlier), the current balance is the total value of assets as presented by the institution.Note that balance information may be cached unless the value was returned by
/accounts/balance/get; if the Item is enabled for Transactions, the balance will be at least as recent as the most recent Transaction update. If you require realtime balance information, use the available balance as provided by /accounts/balance/get.When returned by
/accounts/balance/get, this field may be null. When this happens, available is guaranteed not to be null.Format:
double nullablenumber
For
For
In North America, this field is typically only available for
credit-type accounts, this represents the credit limit.For
depository-type accounts, this represents the pre-arranged overdraft limit, which is common for current (checking) accounts in Europe.In North America, this field is typically only available for
credit-type accounts.Format:
double nullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the balance. Always null if
See the currency code schema for a full listing of supported
iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablestring
Timestamp in ISO 8601 format (
This field is only used and expected when the institution is
If the balance that is pulled is older than the given timestamp for Items with this field required, an
YYYY-MM-DDTHH:mm:ssZ) indicating the oldest acceptable balance when making a request to /accounts/balance/get.This field is only used and expected when the institution is
ins_128026 (Capital One) and the Item contains one or more accounts with a non-depository account type, in which case a value must be provided or an INVALID_REQUEST error with the code of INVALID_FIELD will be returned. For Capital One depository accounts as well as all other account types on all other institutions, this field is ignored. See account type schema for a full list of account types.If the balance that is pulled is older than the given timestamp for Items with this field required, an
INVALID_REQUEST error with the code of LAST_UPDATED_DATETIME_OUT_OF_RANGE will be returned with the most recent timestamp for the requested account contained in the response.Format:
date-time nullablenumber
The average historical balance for the entire report
Format:
double [object]
The average historical balance of each calendar month
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullablenumber
The average historical balance from the most recent 30 days
Format:
double [object]
The information about previously submitted valid dispute statements by the consumer
deprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
string
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date string
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstring
Text content of dispute
nullablestring
The last 2-4 alphanumeric characters of an account's official account number. Note that the mask may be non-unique between an Item's accounts, and it may also not match the mask that the bank displays to the user.
object
Metadata about the extracted account.
string
The name of the account, either assigned by the user or by the financial institution itself
nullablestring
The official name of the account as given by the financial institution
string
investment: Investment account. In API versions 2018-05-22 and earlier, this type is called brokerage instead.credit: Credit carddepository: Depository accountloan: Loan accountother: Non-specified account typeSee the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
investment, credit, depository, loan, brokerage, othernullablestring
See the Account type schema for a full listing of account types and corresponding subtypes.
Possible values:
401a, 401k, 403B, 457b, 529, auto, brokerage, business, cash isa, cash management, cd, checking, commercial, construction, consumer, credit card, crypto exchange, ebt, education savings account, fixed annuity, gic, health reimbursement arrangement, home equity, hsa, isa, ira, keogh, lif, life insurance, line of credit, lira, loan, lrif, lrsp, money market, mortgage, mutual fund, non-custodial wallet, non-taxable brokerage account, other, other insurance, other annuity, overdraft, paypal, payroll, pension, prepaid, prif, profit sharing plan, rdsp, resp, retirement, rlif, roth, roth 401k, rrif, rrsp, sarsep, savings, sep ira, simple ira, sipp, stock plan, student, thrift savings plan, tfsa, trust, ugma, utma, variable annuitynumber
The duration of transaction history available within this report for this Item, typically defined as the time since the date of the earliest transaction in that account.
[object]
Transaction history associated with the account. Transaction history returned by endpoints such as
/transactions/get or /investments/transactions/get will be returned in the top-level transactions field instead. Some transactions may have their details masked in accordance to FCRA.string
The ID of the account in which this transaction occurred.
number
The settled value of the transaction, denominated in the transaction's currency, as stated in
iso_currency_code or unofficial_currency_code. Positive values when money moves out of the account; negative values when money moves in. For example, debit card purchases are positive; credit card payments, direct deposits, and refunds are negative.Format:
double nullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.nullablestring
The unofficial currency code associated with the transaction. Always
See the currency code schema for a full listing of supported
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.See the currency code schema for a full listing of supported
unofficial_currency_codes.nullablestring
The string returned by the financial institution to describe the transaction.
nullableobject
Information describing the intent of the transaction. Most relevant for credit use cases, but not limited to such use cases.
See the
See the
taxonomy csv file for a full list of credit categories.string
A high level category that communicates the broad category of the transaction.
string
A granular category conveying the transaction's intent. This field can also be used as a unique identifier for the category.
nullablestring
The check number of the transaction. This field is only populated for check transactions.
string
For pending transactions, the date that the transaction occurred; for posted transactions, the date that the transaction posted. Both dates are returned in an ISO 8601 format (
YYYY-MM-DD ).Format:
date nullablestring
The date on which the transaction took place, in IS0 8601 format.
object
A representation of where a transaction took place. Location data is provided only for transactions at physical locations, not for online transactions. Location data availability depends primarily on the merchant and is most likely to be populated for transactions at large retail chains; small, local businesses are less likely to have location data available.
nullablestring
The street address where the transaction occurred.
nullablestring
The city where the transaction occurred.
nullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.nullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
nullablenumber
The latitude where the transaction occurred.
Format:
double nullablenumber
The longitude where the transaction occurred.
Format:
double nullablestring
The merchant defined store number where the transaction occurred.
nullablestring
The merchant name, as enriched by Plaid from the
name field. This is typically a more human-readable version of the merchant counterparty in the transaction. For some bank transactions (such as checks or account transfers) where there is no meaningful merchant name, this value will be null.boolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.nullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
string
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.[object]
Data returned by the financial institution about the account owner or owners. For business accounts, the name reported may be either the name of the individual or the name of the business, depending on the institution. Multiple owners on a single account will be represented in the same
owner object, not in multiple owner objects within the array. This array can also be empty if no owners are found.[string]
A list of names associated with the account by the financial institution. In the case of a joint account, Plaid will make a best effort to report the names of all account holders.
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
If an Item contains multiple accounts with different owner names, some institutions will report all names associated with the Item in each account's
names array.[object]
A list of phone numbers associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The phone number.
boolean
When
true, identifies the phone number as the primary number on an account.string
The type of phone number.
Possible values:
home, work, office, mobile, mobile1, other[object]
A list of email addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
string
The email address.
boolean
When
true, identifies the email address as the primary email on an account.string
The type of email account as described by the financial institution.
Possible values:
primary, secondary, other[object]
Data about the various addresses associated with the account by the financial institution. May be an empty array if no relevant information is returned from the financial institution.
object
Data about the components comprising an address.
nullablestring
The full city name
nullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"string
The full street address
Example:
"564 Main Street, APT 15"nullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.nullablestring
The ISO 3166-1 alpha-2 country code
boolean
When
true, identifies the address as the primary address on an account.nullablestring
How an asset is owned.
association: Ownership by a corporation, partnership, or unincorporated association, including for-profit and not-for-profit organizations.
individual: Ownership by an individual.
joint: Joint ownership by multiple parties.
trust: Ownership by a revocable or irrevocable trust.Possible values:
null, individual, joint, association, trustdeprecatedobject
Calculated insights derived from transaction-level data. This field has been deprecated in favor of Base Report attributes aggregated across accounts and will be removed in a future release.
nullablestring
Date of the earliest transaction for the account.
Format:
date nullablestring
Date of the most recent transaction for the account.
Format:
date integer
Number of days days available for the account.
number
Average number of days between sequential transactions
[object]
Longest gap between sequential transactions in a time period. This array can include multiple time periods.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date nullableinteger
Largest number of days between sequential transactions for this time period.
[object]
The number of debits into the account. This array will be empty for non-depository accounts.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date integer
The number of credits or debits out of the account for this time period.
[object]
Average amount of debit transactions into the account in a time period. This array will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.[object]
The number of outflows from the account. This array will be empty for non-depository accounts.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date integer
The number of credits or debits out of the account for this time period.
[object]
Average amount of transactions out of the account in a time period. This array will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
string
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date string
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date object
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codenumber
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.integer
Number of days with no transactions
object
Calculated attributes derived from transaction-level data.
nullableboolean
Prediction indicator of whether the account is a primary account. Only one account per account type across the items connected will have a value of true.
nullablenumber
Value ranging from 0-1. The higher the score, the more confident we are of the account being the primary account.
integer
The number of net NSF fee transactions for a given account within the report time range (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 30 days for a given account (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 60 days for a given account (not counting any fees that were reversed within the time range).
integer
The number of net NSF fee transactions within the last 90 days for a given account (not counting any fees that were reversed within the time range).
nullableobject
Total amount of debit transactions into the account in the time period of the report. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 30 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 60 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of debit transactions into the account in the last 90 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the time period of the report. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 30 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 60 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.nullableobject
Total amount of credit transactions into the account in the last 90 days. This field will be empty for non-depository accounts. This field only takes into account USD transactions from the account.
number
Value of amount with up to 2 decimal places.
nullablestring
The ISO 4217 currency code of the amount or balance.
nullablestring
The unofficial currency code associated with the amount or balance. Always
null if iso_currency_code is non-null.
Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.Response Object
{
"user_insights_id": "028e8404-a013-4a45-ac9e-002482f9cafc",
"items": [
{
"date_generated": "2023-03-30T18:27:37Z",
"item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",
"institution_id": "ins_0",
"institution_name": "Plaid Bank",
"status": {
"status_code": "AVAILABLE"
},
"insights": {
"income": {
"income_sources": [
{
"income_source_id": "f17efbdd-caab-4278-8ece-963511cd3d51",
"income_description": "PLAID_INC_DIRECT_DEP_PPD",
"income_category": "SALARY",
"last_transaction_date": "2023-03-30"
}
],
"forecasted_monthly_income": {
"current_amount": 12000
},
"total_monthly_income": {
"current_amount": 20000.31
},
"historical_annual_income": {
"current_amount": 144000
},
"income_sources_counts": {
"current_count": 1
}
},
"loans": {
"loan_payments_counts": {
"current_count": 1
},
"loan_payment_merchants_counts": {
"current_count": 1
},
"loan_disbursements_count": 1
}
},
"accounts": [
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"attributes": {
"total_inflow_amount": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_30d": {
"amount": -1000,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_60d": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_inflow_amount_90d": {
"amount": -2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_30d": {
"amount": 1000,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_60d": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"total_outflow_amount_90d": {
"amount": 2500,
"iso_currency_code": "USD",
"unofficial_currency_code": null
}
},
"balances": {
"available": 5000,
"average_balance": 4956.12,
"average_monthly_balances": [
{
"average_balance": {
"amount": 4956.12,
"iso_currency_code": "USD",
"unofficial_currency_code": null
},
"end_date": "2024-07-31",
"start_date": "2024-07-01"
}
],
"current": 5000,
"iso_currency_code": "USD",
"limit": null,
"most_recent_thirty_day_average_balance": 4956.125,
"unofficial_currency_code": null
},
"consumer_disputes": [],
"days_available": 365,
"mask": "1208",
"metadata": {
"start_date": "2024-01-01",
"end_date": "2024-07-16"
},
"name": "Checking",
"official_name": "Plaid checking",
"owners": [
{
"addresses": [
{
"data": {
"city": "Malakoff",
"country": "US",
"postal_code": "14236",
"region": "NY",
"street": "2992 Cameron Road"
},
"primary": true
},
{
"data": {
"city": "San Matias",
"country": "US",
"postal_code": "93405-2255",
"region": "CA",
"street": "2493 Leisure Lane"
},
"primary": false
}
],
"emails": [
{
"data": "[email protected]",
"primary": true,
"type": "primary"
},
{
"data": "[email protected]",
"primary": false,
"type": "secondary"
},
{
"data": "extraordinarily.long.email.username.123456@reallylonghostname.com",
"primary": false,
"type": "other"
}
],
"names": [
"Alberta Bobbeth Charleson"
],
"phone_numbers": [
{
"data": "+1 111-555-3333",
"primary": false,
"type": "home"
},
{
"data": "+1 111-555-4444",
"primary": false,
"type": "work"
},
{
"data": "+1 111-555-5555",
"primary": false,
"type": "mobile"
}
]
}
],
"ownership_type": null,
"subtype": "checking",
"transactions": [
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 37.07,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "XA7ZLy8rXzt7D3j9B6LMIgv5VxyQkAhbKjzmp",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 51.61,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Domino's",
"original_description": "DOMINO's XXXX 111-222-3333",
"pending": false,
"transaction_id": "VEPeMbWqRluPVZLQX4MDUkKRw41Ljzf9gyLBW",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 7.55,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Chicago",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "IKEA",
"original_description": "IKEA CHICAGO",
"pending": false,
"transaction_id": "6GQZARgvroCAE1eW5wpQT7w3oB6nvzi8DKMBa",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 12.87,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_SPORTING_GOODS",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Redlands",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Nike",
"original_description": "NIKE REDLANDS CA",
"pending": false,
"transaction_id": "DkbmlP8BZxibzADqNplKTeL8aZJVQ1c3WR95z",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 44.21,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-12",
"date_posted": "2024-07-12T00:00:00Z",
"date_transacted": "2024-07-12",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "RpdN7W8GmRSdjZB9Jm7ATj4M86vdnktapkrgL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 36.82,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Family Dollar",
"original_description": "FAMILY DOLLAR",
"pending": false,
"transaction_id": "5AeQWvo5KLtAD9wNL68PTdAgPE7VNWf5Kye1G",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 13.27,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "Jjlr3MEVg1HlKbdkZj39ij5a7eg9MqtB6MWDo",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 36.03,
"check_number": null,
"credit_category": {
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},
"date": "2024-07-13",
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"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
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"lat": null,
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"state": null,
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},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "kN9KV7yAZJUMPn93KDXqsG9MrpjlyLUL6Dgl8",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
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"amount": 54.74,
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},
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"location": {
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"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
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"region": "CA",
"state": "CA",
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},
"merchant_name": "Smart & Final",
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"transaction_id": "lPvrweZAMqHDar43vwWKs547kLZVEzfpogGVJ",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
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},
"date": "2024-07-13",
"date_posted": "2024-07-13T00:00:00Z",
"date_transacted": "2024-07-13",
"iso_currency_code": "USD",
"location": {
"address": "1627 N 24th St",
"city": "Phoenix",
"country": null,
"lat": null,
"lon": null,
"postal_code": "85008",
"region": "AZ",
"state": "AZ",
"store_number": null,
"zip": "85008"
},
"merchant_name": "Taqueria El Guerrerense",
"original_description": "TAQUERIA EL GUERRERO PHOENIX AZ",
"pending": false,
"transaction_id": "wka74WKqngiyJ3pj7dl5SbpLGQBZqyCPZRDbP",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
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"amount": 41.42,
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"credit_category": {
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"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
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"lat": null,
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"region": null,
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"store_number": null,
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},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "BBGnV4RkerHjn8WVavGyiJbQ95VNDaC4M56bJ",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": -1077.93,
"check_number": null,
"credit_category": {
"detailed": "INCOME_OTHER",
"primary": "INCOME"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
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"lat": null,
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"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Lyft",
"original_description": "LYFT TRANSFER",
"pending": false,
"transaction_id": "3Ej78yKJlQu1Abw7xzo4U4JR6pmwzntZlbKDK",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 47.17,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "rMzaBpJw8jSZRJQBabKdteQBwd5EaWc7J9qem",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 12.37,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "zWPZjkmzynTyel89ZjExS59DV6WAaZflNBJ56",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 44.18,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "K7qzx1nP8ptqgwaRMbxyI86XrqADMluRpkWx5",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 45.37,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-14",
"date_posted": "2024-07-14T00:00:00Z",
"date_transacted": "2024-07-14",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Uber Eats",
"original_description": "UBER EATS",
"pending": false,
"transaction_id": "qZrdzLRAgNHo5peMdD9xIzELl3a1NvcgrPAzL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 15.22,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "NZzx4oRPkAHzyRekpG4PTZkWnBPqEyiy6pB1M",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 26.33,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Domino's",
"original_description": "DOMINO's XXXX 111-222-3333",
"pending": false,
"transaction_id": "x84eNArKbESz8Woden6LT3nvyogeJXc64Pp35",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 39.8,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Family Dollar",
"original_description": "FAMILY DOLLAR",
"pending": false,
"transaction_id": "dzWnyxwZ4GHlZPGgrNyxiMG7qd5jDgCJEz5jL",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 45.06,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "4W7eE9rZqMToDArbPeLNIREoKpdgBMcJbVNQD",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 34.91,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Whittier",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "CA",
"state": "CA",
"store_number": null,
"zip": null
},
"merchant_name": "Smart & Final",
"original_description": "POS SMART AND FINAL 111 WHITTIER CA",
"pending": false,
"transaction_id": "j4yqDjb7QwS7woGzqrgDIEG1NaQVZwf6Wmz3D",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 49.78,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "aqgWnze7xoHd6DQwLPnzT5dgPKjB1NfZ5JlBy",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 54.24,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-15",
"date_posted": "2024-07-15T00:00:00Z",
"date_transacted": "2024-07-15",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": "Portland",
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": "OR",
"state": "OR",
"store_number": "1111",
"zip": null
},
"merchant_name": "Safeway",
"original_description": "SAFEWAY #1111 PORTLAND OR 111111",
"pending": false,
"transaction_id": "P13aP8b7nmS3WQoxg1PMsdvMK679RNfo65B4G",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 41.79,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Amazon",
"original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",
"pending": false,
"transaction_id": "7nZMG6pXz8SADylMqzx7TraE4qjJm7udJyAGm",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 33.86,
"check_number": null,
"credit_category": {
"detailed": "FOOD_RETAIL_GROCERIES",
"primary": "FOOD_RETAIL"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "Instacart",
"original_description": "INSTACART HTTPSINSTACAR CA",
"pending": false,
"transaction_id": "MQr3ap7PWEIrQG7bLdaNsxyBV7g1KqCL6pwoy",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 27.08,
"check_number": null,
"credit_category": {
"detailed": "DINING_DINING",
"primary": "DINING"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "POKE BROS * POKE BRO IL",
"pending": false,
"transaction_id": "eBAk9dvwNbHPZpr8W69dU3rekJz47Kcr9BRwl",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 25.94,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": "The Home Depot",
"original_description": "THE HOME DEPOT",
"pending": false,
"transaction_id": "QLx4jEJZb9SxRm7aWbjAio3LrgZ5vPswm64dE",
"unofficial_currency_code": null
},
{
"account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",
"account_owner": null,
"amount": 27.57,
"check_number": null,
"credit_category": {
"detailed": "GENERAL_MERCHANDISE_OTHER_GENERAL_MERCHANDISE",
"primary": "GENERAL_MERCHANDISE"
},
"date": "2024-07-16",
"date_posted": "2024-07-16T00:00:00Z",
"date_transacted": "2024-07-16",
"iso_currency_code": "USD",
"location": {
"address": null,
"city": null,
"country": null,
"lat": null,
"lon": null,
"postal_code": null,
"region": null,
"state": null,
"store_number": null,
"zip": null
},
"merchant_name": null,
"original_description": "The Press Club",
"pending": false,
"transaction_id": "ZnQ1ovqBldSQ6GzRbroAHLdQP68BrKceqmAjX",
"unofficial_currency_code": null
}
],
"type": "depository"
}
]
}
],
"request_id": "m8MDnv9okwxFNBV"
}/cra/monitoring_insights/subscribe
Subscribe to Monitoring Insights
This endpoint allows you to subscribe to insights for a user's linked CRA items, which are updated between one and four times per day (best-effort).
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.string
A unique user identifier, created by
/user/create. Integrations that began using /user/create after December 10, 2025 use this field to identify a user instead of the user_token. For more details, see new user APIs.string
The item ID to subscribe for Cash Flow Updates.
requiredstring
URL to which Plaid will send Cash Flow Updates webhooks, for example when the requested Cash Flow Updates report is ready.
Format:
url [string]
Income categories to include in Cash Flow Updates. If empty or
null, this field will default to including all possible categories.Possible values:
SALARY, UNEMPLOYMENT, CASH, GIG_ECONOMY, RENTAL, CHILD_SUPPORT, MILITARY, RETIREMENT, LONG_TERM_DISABILITY, BANK_INTEREST, CASH_DEPOSIT, TRANSFER_FROM_APPLICATION, TAX_REFUND, BENEFIT_OTHER, OTHERstring
The user token associated with the User data is being requested for. This field is used only by customers with pre-existing integrations that already use the
user_token field. All other customers should use the user_id instead. For more details, see New User APIs./cra/monitoring_insights/subscribe
try {
const response = await client.craMonitoringInsightsSubscribe({
user_id: 'usr_9nSp2KuZ2x4JDw',
item_id: 'eVBnVMp7zdTJLkRNr33Rs6zr7KNJqBFL9DrE6',
webhook: 'https://example.com/webhook',
income_categories: [CreditBankIncomeCategory.Salary],
});
} catch (error) {
// handle error
}
Response fields
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
string
A unique identifier for the subscription.
Response Object
{
"subscription_id": "f17efbdd-caab-4278-8ece-963511cd3d51",
"request_id": "GVzMdiDd8DDAQK4"
}/cra/monitoring_insights/unsubscribe
Unsubscribe from Monitoring Insights
This endpoint allows you to unsubscribe from previously subscribed Monitoring Insights.
Request fields
string
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.string
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.requiredstring
A unique identifier for the subscription.
/cra/monitoring_insights/unsubscribe
try {
const response = await client.craMonitoringInsightsUnsubscribe({
subscription_id: '"f17efbdd-caab-4278-8ece-963511cd3d51"',
});
} catch (error) {
// handle error
}
Response fields
string
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
Response Object
{
"request_id": "GVzMdiDd8DDAQK4"
}Webhooks
When you create a new report, either by creating a Link token with a Plaid Check product, or by calling /cra/check_report/create, Plaid Check will start generating a report for you. When the report has been created (or the report creation fails), Plaid Check will let you know by sending you either a CHECK_REPORT: USER_CHECK_REPORT_READY or CHECK_REPORT: USER_CHECK_REPORT_FAILED webhook.
Customers who first called /user/create after December 10, 2025 will receive the USER_CHECK_REPORT_READY / USER_CHECK_REPORT_FAILED webhooks. Customers who integrated before this date will receive the older CHECK_REPORT_READY / CHECK_REPORT_FAILED webhooks. For more details, see new User APIs.
USER_CHECK_REPORT_READY
Fired when the Check Report are ready to be retrieved. Once this webhook has fired, the report will be available to retrieve for 24 hours.
Properties
string
CHECK_REPORTstring
USER_CHECK_REPORT_READYstring
The
user_id associated with the user whose data is being requested. This is received by calling user/create.[string]
Specifies a list of products that have successfully been generated for the report.
Possible values:
cra_base_report, cra_income_insights, cra_cashflow_insights, cra_partner_insights, cra_network_insights, cra_monitoring, cra_lend_score[string]
Specifies a list of products that have failed to generate for the report. Additional detail on what caused the failure can be found by calling the product /get endpoint.
Possible values:
cra_base_report, cra_income_insights, cra_cashflow_insights, cra_partner_insights, cra_network_insights, cra_monitoring, cra_lend_scorestring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CHECK_REPORT",
"webhook_code": "USER_CHECK_REPORT_READY",
"user_id": "usr_8c3ZbDBYjaqUXZ",
"successful_products": [
"cra_base_report"
],
"environment": "production"
}USER_CHECK_REPORT_FAILED
Fired when a Check Report has failed to generate
Properties
string
CHECK_REPORTstring
USER_CHECK_REPORT_FAILEDstring
The
user_id associated with the user whose data is being requested. This is received by calling user/create.string
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CHECK_REPORT",
"webhook_code": "USER_CHECK_REPORT_FAILED",
"user_id": "usr_8c3ZbDBYjaqUXZ",
"environment": "production"
}CHECK_REPORT_READY
Fired when the Check Report are ready to be retrieved. Once this webhook has fired, the report will be available to retrieve for 24 hours.
Properties
string
CHECK_REPORTstring
CHECK_REPORT_READYstring
The
user_id corresponding to the user the webhook has fired for.[string]
Specifies a list of products that have successfully been generated for the report.
Possible values:
cra_base_report, cra_income_insights, cra_cashflow_insights, cra_partner_insights, cra_network_insights, cra_monitoring, cra_lend_score[string]
Specifies a list of products that have failed to generate for the report. Additional detail on what caused the failure can be found by calling the product /get endpoint.
Possible values:
cra_base_report, cra_income_insights, cra_cashflow_insights, cra_partner_insights, cra_network_insights, cra_monitoring, cra_lend_scorestring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CHECK_REPORT",
"webhook_code": "CHECK_REPORT_READY",
"user_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",
"successful_products": [
"cra_base_report"
],
"environment": "production"
}CHECK_REPORT_FAILED
Fired when a Check Report has failed to generate. To get more details, call /user/items/get and check for non-null error objects on the associated Items in the response. These error objects will contain more details on why the Item is in an error state and how to resolve it. After resolving the errors, you can try to re-generate the report.
Properties
string
CHECK_REPORTstring
CHECK_REPORT_FAILEDstring
The
user_id corresponding to the user the webhook has fired for.string
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CHECK_REPORT",
"webhook_code": "CHECK_REPORT_FAILED",
"user_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",
"environment": "production"
}Cash flow updates webhooks
These webhooks are specific to the Cash Flow Updates (beta) product.
All webhooks in this section except for CASH_FLOW_INSIGHTS_UPDATED are legacy webhooks and will only be fired for customers who integrated with Plaid Check before December 10, 2025. For newer integrations, CASH_FLOW_INSIGHTS_UPDATED has replaced the other webhooks. For more details, see New user APIs.
CASH_FLOW_INSIGHTS_UPDATED
For each item on an enabled user, this webhook will fire up to four times a day with status information. This webhook will not fire immediately upon enrollment in Cash Flow Updates. The payload may contain an insights array with insights that have been detected, if any (e.g. LOW_BALANCE_DETECTED, LARGE_DEPOSIT_DETECTED). Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
string
CASH_FLOW_UPDATESstring
CASH_FLOW_INSIGHTS_UPDATEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id associated with the user whose data is being requested. This is received by calling user/create.[string]
Array containing the insights detected within the generated report, if any. Possible values include:
LARGE_DEPOSIT_DETECTED: signaling a deposit over $5,000
LOW_BALANCE_DETECTED: signaling a balance below $100
NEW_LOAN_PAYMENT_DETECTED: signaling a new loan payment
NSF_OVERDRAFT_DETECTED: signaling an NSF overdraftPossible values:
LARGE_DEPOSIT_DETECTED, LOW_BALANCE_DETECTED, NEW_LOAN_PAYMENT_DETECTED, NSF_OVERDRAFT_DETECTEDstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "CASH_FLOW_INSIGHTS_UPDATED",
"status": "AVAILABLE",
"user_id": "usr_6009db6e",
"insights": [
"LARGE_DEPOSIT_DETECTED",
"LOW_BALANCE_DETECTED",
"NEW_LOAN_PAYMENT_DETECTED",
"NSF_OVERDRAFT_DETECTED"
],
"environment": "sandbox"
}INSIGHTS_UPDATED
For each user's Item enabled for Cash Flow Updates, this webhook will fire between one and four times a day with information on the status of the update. This webhook will not fire immediately upon enrollment in Cash Flow Updates. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights. At approximately the same time as the INSIGHTS_UPDATED webhook, any event-driven CASH_FLOW_UPDATES webhooks (e.g. LOW_BALANCE_DETECTED, LARGE_DEPOSIT_DETECTED) that were triggered by the update will also fire. This webhook has been replaced by the CASH_FLOW_INSIGHTS_UPDATED webhook for all customers who began using Plaid Check on or after December 10, 2025.
Properties
string
CASH_FLOW_UPDATESstring
INSIGHTS_UPDATEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id that the report is associated withstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "INSIGHTS_UPDATED",
"status": "AVAILABLE",
"user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",
"environment": "production"
}LARGE_DEPOSIT_DETECTED
For each user's item enabled for Cash Flow Updates, this webhook will fire when an update detects a deposit over $5,000. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
string
CASH_FLOW_UPDATESstring
LARGE_DEPOSIT_DETECTEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id that the report is associated withstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "LARGE_DEPOSIT_DETECTED",
"status": "AVAILABLE",
"user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",
"environment": "production"
}LOW_BALANCE_DETECTED
For each user's item enabled for Cash Flow Updates, this webhook will fire when an update detects a balance below $100. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
string
CASH_FLOW_UPDATESstring
LOW_BALANCE_DETECTEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id that the report is associated withstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "LOW_BALANCE_DETECTED",
"status": "AVAILABLE",
"user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",
"environment": "production"
}NEW_LOAN_PAYMENT_DETECTED
For each user's item enabled for Cash Flow Updates, this webhook will fire when an update detects a new loan payment. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
string
CASH_FLOW_UPDATESstring
NEW_LOAN_PAYMENT_DETECTEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id that the report is associated withstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "NEW_LOAN_PAYMENT_DETECTED",
"status": "AVAILABLE",
"user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",
"environment": "production"
}NSF_OVERDRAFT_DETECTED
For each user's item enabled for Cash Flow Updates, this webhook will fire when an update includes an NSF overdraft transaction. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
string
CASH_FLOW_UPDATESstring
NSF_OVERDRAFT_DETECTEDstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDstring
The
user_id that the report is associated withstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, productionAPI Object
{
"webhook_type": "CASH_FLOW_UPDATES",
"webhook_code": "NSF_OVERDRAFT_DETECTED",
"status": "AVAILABLE",
"user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",
"environment": "production"
}