{"best_for":["Software Companies","Enterprise Companies","Financial Institutions","Fintech Developers"],"citation":{"dataset":"aitoolsforbusiness-agent-tool-export","directory_tool_url":"https://aitoolsforbusiness.ai/plaid","json_profile_url":"https://aitoolsforbusiness.ai/data/tools/plaid.json","markdown_profile_url":"https://aitoolsforbusiness.ai/data/markdown/tools-md-034.json","schema_version":"1.4.0","suggested_citation_label":"AI Tools for Business: Plaid (https://aitoolsforbusiness.ai/plaid)"},"features":["Plaid Link: A module that allows users to find and connect to their financial institutions.","Auth & Identity: APIs for verifying bank account and routing numbers and confirming account-holder information.","Balance & Transactions: Supports balance checks in real time and provides up to 24 months of categorized transaction data.","Transfer & Signal: Supports ACH, RTP, and FedNow payment processing along with ACH payment risk monitoring.","Identity Verification: Tools for global KYC (Know Your Customer) and anti-fraud verification.","Income & Assets: APIs to verify income and paystubs and access financial data for underwriting purposes."],"freshness_status":"fresh","name":"Plaid","pricing_note":"Plaid offers a Pay as You Go month-to-month plan, a Growth plan with a 12-month commitment and discounts, and Custom volume-based pricing. A free sandbox is available for testing.","pricing_url":"https://plaid.com/pricing","primary_category":"Finance & Accounting","profile_last_verified":"2026-06-07T23:37:01.181Z","secondary_categories":[],"short_description":"Plaid is an open banking platform that enables companies to connect user bank accounts to their apps and services via API.","slug":"plaid","sponsorship_status":"none","url":"https://aitoolsforbusiness.ai/plaid","use_cases":["Financial Onboarding: Helping users link bank accounts to reduce friction during app sign-up.","Payment Verification: Confirming accounts are open and active before initiating ACH bill payments.","Credit Underwriting: Accessing cash flow and income data to support lending decisions.","Fraud Prevention: Using ML-powered signals and identity verification to help detect risky accounts.","KYC and AML Compliance: Supporting regulatory requirements through AML watchlist screening and identity matching."],"website_url":"https://plaid.com/"}