Plaid is a financial data API: it lets a product connect to a user's bank account (through the Plaid Link flow) and then pull verified account, identity, transaction, income, or investment data from it, instead of that product building bank connections itself. We build the custom integration around Plaid, the verification step before a payment, the data pipeline that feeds your underwriting or accounting system, for businesses that need bank-linked data to do something specific, not just display it.
It links the bank account, but what your business does with that data still has to be built.
Got a Plaid problem? Let's solve it →Plaid isn't a tool a business logs into and runs the way it runs its accounting software or its CRM. It's infrastructure other products embed: your own app, your internal underwriting tool, your payments flow, whatever needs to link a bank account or verify one.
That's exactly where the work usually sits. Plaid's own sandbox and quickstart get a basic connection working fast. Turning that into something that fits how your business actually verifies an account, checks for sufficient funds, pulls income for underwriting, or feeds transaction data into your own systems is custom integration work, not a toggle in Plaid's dashboard.
We build the flow that uses Plaid Auth or Identity to confirm an account and routing number, or that the account holder's name matches, before you set up an ACH debit, instead of waiting days on a manual micro-deposit check.
We build the pipeline that pulls transaction history or income data through Plaid and feeds it into your underwriting, accounting, or reporting system in the shape it actually needs, instead of a one-off script nobody maintains.
Tell us what you're trying to do, verify an account, check income, pull transaction history, and we'll tell you how it fits together with Plaid.
Plaid for bank verification before setting up payments.
The problemAccount and routing numbers are typed in by customers, and mistakes surface when a payment bounces a week later.
Plaid confirms the account and the holder's name before the payment is set up. Bounced first payments became rare.
What we build on top of specific parts of Plaid.
Tell us what you're building and what financial data it actually needs to work. We'll figure out which Plaid products cover it and build the rest around them. And if the gap isn't about bank data at all, that's fine too, we automate whatever's manual in your business, any tool, any process.
Let's talk →It lets your product connect to a user's bank account and then pull data from it through a set of specific products: Auth (account and routing numbers), Identity (identity verification), Transactions (transaction history), Investments, and Income, among others. Which ones you need depends entirely on what you're building.
Plaid prices per API call or per connected account, varying by which products you use, with a pay-as-you-go option alongside volume-based plans. Exact rates change periodically, so check Plaid's own pricing page rather than relying on a number here.
Link is the frontend component a user actually sees and interacts with when connecting their bank: picking their bank, logging in, and granting access. It handles that front-end flow; what happens with the data it hands back is up to the product it's embedded in.
Yes. Plaid's sandbox lets you build and test an integration against simulated bank accounts and data before connecting to real institutions, which is where most integration work starts.
Your business needs its own Plaid account and agreement; Plaid's terms and compliance obligations are between Plaid and the business using its data, not something an agency can stand in for. We build the integration and the surrounding data flow on top of your account.