Plaid

CRA Servicing is now generally available via new /cra/servicing/subscription/* endpoints, replacing deprecated Cash Flow Updates (migration deadline August 20, 2027). New Chase Items get consent expirations starting February 2027, with earliest renewals in update mode; existing Items default to "always". Also added a Billing page for negotiated-rate customers, a phone call option for Identity Verification codes, and MCC support via a new merchant_category_code field.

Identity endpoints on non-depository Capital One accounts no longer cause the Item to enter an error state when identity data is unavailable. Item consent expiration is now accurately tracked, reliably entering an error state on expiry. Dashboard Settings page redesigned to a full-page view; Android SDK v6.2.1 fixes OAuth bugs for multi-institution linking.

Identity endpoints on non-depository Capital One accounts no longer put Items into an error state when identity data is unavailable. Consent expiration data is more accurate, and Items now reliably enter an error state when they expire. Also released Android SDK 6.2.1 with OAuth bug fixes and redesigned the Dashboard Settings page.

• Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available. The failure to fetch identity data in this scenario will no longer cause the Item to enter an error state.
• Improved accuracy of Item consent…

New apy field returns Annual Percentage Yield on accounts, and new User APIs add /user/items/associate and fire user-scoped webhooks via /sandbox/user/fire_webhook. Link iOS SDK v7.0.5 deprecates PlaidLinkView in favor of PlaidLinkSheet; Android SDK v6.2.0 drops minimum SDK to 25; Income and Payment Initiation endpoints accept user_id; Transactions gain merchant_category_code.

• Added support for returning Annual Percentage Yield (APY) data on accounts via the new apy field.
• Added /sandbox/user/fire_webhook for firing test webhooks associated with a user (primarily Income and Plaid Check Consumer Report webhooks) rather than an Item.
• Added…

• Added support for returning Annual Percentage Yield (APY) data on accounts via the new apy field.
• Added /sandbox/user/fire_webhook for firing test webhooks associated with a user (primarily…

Released iOS SDK v7.0.4 with SuccessMetadata subtype parsing fix and v6.5.0 with FinanceKit crash fix, Android SDK v6.1.0 with LinkEventViewNames and Flutter metadata, and React Native SDK v13.0.3 bundling those updates. React SDK v4.2.0 and v5.0.0 include bug fixes and improved Layer/Identity Match support. Added Canada support for Database Auth via Account Verification Dashboard and Guaranteed Payments endpoints and event types.

For Link:

• Released iOS SDK v7.0.4, containing a fix for failed subtype parsing in the SuccessMetadata object.
• Released iOS SDK v6.5.0, containing a fix for a FinanceKit related…

For Link:

• Released iOS SDK v7.0.4, containing a fix for failed subtype parsing in the SuccessMetadata object.
• Released iOS SDK v6.5.0, containing a fix for a FinanceKit related crash.
• Released Android SDK v6.1.0, containing eight previously-missing LinkEventViewNames and…

For Link:

• Released iOS SDK v7.0.2, containing a fix for an issue in which onSuccess would sometimes not be called.
• Released iOS SDK v7.0.3, containing a fix for missing fields in…

Fixed iOS SDK v7.0.2 and v7.0.3 regressions where onSuccess callback was not being called and missing fields in the callback. Balance-only ruleset calls to /signal/evaluate no longer require Signal risk consent. Also added user.ip_address field to /identity_verification/create, expanded institution coverage for ACATS transfers to 2,700 institutions, and announced Guaranteed Payments in Early Availability for Transfer.

For Link:

• Released iOS SDK v7.0.2, containing a fix for an issue in which onSuccess would sometimes not be called.
• Released iOS SDK v7.0.3, containing a fix for missing fields in the onSuccess callback.

Identity Verification now includes map-based visualization of end user's associated locations (IP geolocation, reported address, document address) with risk level assessment, and new fraud labels and categorization scheme across user account/identity, bank account/payment method, transaction, and behavior categories. Investments added OpenFIGI securities data support, Layer made Intelligent Account Sorting self-serve, and Transactions added four new transaction codes.

For Identity Verification:

• Added a map-based visualization showing the end user's associated locations, including IP address geolocation, reported address, and document address.
• Added new fraud labels and a new categorization scheme: User account and identity, bank account…

For Identity Verification:

• Added a map-based visualization showing the end user's associated locations, including their IP address geolocation, reported address, and document address. The visualization also reports the distance between these locations and provides a risk…

• Added FRAUD_TRANSACTION to the reason_code enum used by /item/products/terminate and /user/products/terminate.
• Redesigned…

Android SDK v6.0.0 is a major rebuild in Kotlin with session-based API that removes legacy Plaid.create, PlaidHandler, and FastOpenPlaidLink APIs and raises minimum Android version to API 26. React Native SDK v13.0.0 replaces legacy global APIs with session objects, adds Embedded Search and Headless Link support, and bundles LinkKit.xcframework directly. Added FRAUD_TRANSACTION reason_code for product termination endpoints and support for Form I-20 immigration documents in payroll income requests.

• Added FRAUD_TRANSACTION to the reason_code enum used by /item/products/terminate and /user/products/terminate.
• Redesigned the Support experience in the Dashboard for less friction and faster issue resolution, including Bill AI assistant as optional, more actionable Known…

Investments API now returns tax lot details for Robinhood, E*TRADE, Wealthfront, and IBKR. Transfer API adds requested_amount and guarantee_details to support guaranteed payments. Starting July 2026 for new integrations and September 2026 for existing ones, Plaid Check products must be explicitly requested in the products array when calling /link/token/create or /cra/check_report/create, or a PRODUCT_NOT_REQUESTED error will occur; reason_code fields in Plaid Check responses are deprecated in favor of new reason_codes arrays.