Plaid Check
API reference for Plaid Check endpoints and webhooks
| Endpoints | |
|---|---|
/cra/check_report/create | Generate a new Consumer Report for your user with the latest data |
/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/verification/get | Retrieve Verification Reports (VOA, Employment Refresh) for your user |
/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 | |
|---|---|
CHECK_REPORT_READY | A Consumer Report is ready to be retrieved |
CHECK_REPORT_FAILED | Plaid Check failed to create a report |
| Cash Flow Updates (beta) webhooks | |
|---|---|
INSIGHTS_UPDATED | Insights have been refreshed |
LARGE_DEPOSIT_DETECTED | A large deposit over $5000 has been detected |
LOW_BALANCE_DETECTED | Current balance has crossed below $100 |
NEW_LOAN_PAYMENT_DETECTED | A new loan payment has been detected |
NSF_OVERDRAFT_DETECTED | An overdraft transaction has been detected |
/cra/check_report/create
Create a Consumer Report
/cra/check_report/create creates a Consumer Report powered by Plaid Check. You can call this endpoint to create a new report if consumer_report_permissible_purpose was omitted during Link token creation. If you did 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.
/cra/check_report/create can also be used 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. Note that refreshing or regenerating a report is a billable event.
Request fields
client_idstring
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.secretstring
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.user_tokenrequiredstring
The user token associated with the User data is being requested for.
webhookrequiredstring
The destination URL to which webhooks will be sent
days_requestedrequiredinteger
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 days_requiredinteger
The minimum number of days of data required for the report to be successfully generated.
Maximum:
184 client_report_idstring
Client-generated identifier, which can be used by lenders to track loan applications.
products[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_insightsbase_reportobject
Defines configuration options to generate a Base Report
client_report_iddeprecatedstring
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.require_identityboolean
Indicates that the report must include identity information. If identity information is not available, the report will fail.
cashflow_insightsobject
Defines configuration options to generate Cashflow Insights
attributes_versionstring
The version of cashflow attributes
Possible values:
v1.0partner_insightsobject
Defines configuration to generate Partner Insights.
prism_productsdeprecated[string]
The specific Prism Data products to return. If none are passed in, then all products will be returned.
Possible values:
insights, scoresprism_versionsobject
The versions of Prism products to evaluate
firstdetectstring
The version of Prism FirstDetect. If not specified, will default to v3.
Possible values:
3, nulldetectstring
The version of Prism Detect
Possible values:
4, nullcashscorestring
The version of Prism CashScore. If not specified, will default to v3.
Possible values:
4, 3, nullextendstring
The version of Prism Extend
Possible values:
4, nullinsightsstring
The version of Prism Insights. If not specified, will default to v3.
Possible values:
4, 3, nullconsumer_reportrequiredstring
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).EMPLOYMENT: For employment purposes pursuant to FCRA 604(a)(3)(B), including hiring, retention and promotion purposes.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, EMPLOYMENT, EXTENSION_OF_CREDIT, LEGITIMATE_BUSINESS_NEED_TENANT_SCREENING, LEGITIMATE_BUSINESS_NEED_OTHER, WRITTEN_INSTRUCTION_PREQUALIFICATION, WRITTEN_INSTRUCTION_OTHER1try {2 const response = await client.craCheckReportCreate({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 webhook: 'https://sample-web-hook.com',5 days_requested: 365,6 consumer_report_permissible_purpose: 'LEGITIMATE_BUSINESS_NEED_OTHER',7 });8} catch (error) {9 // handle error10}Response fields and example
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "request_id": "LhQf0THi8SH1yJm"3}/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 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
client_idstring
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.secretstring
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.user_tokenstring
The user token associated with the User data is being requested for.
1try {2 const response = await client.craCheckReportBaseReportGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 });5} catch (error) {6 // handle error7}Response fields and example
reportobject
An object representing a Base Report
report_idstring
A unique ID identifying an Base Report. Like all Plaid identifiers, this ID is case sensitive.
date_generatedstring
The date and time when the Base Report was created, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time days_requestednumber
The number of days of transaction history requested.
client_report_idnullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
items[object]
Data returned by Plaid about each of the Items included in the Base Report.
institution_namestring
The full financial institution name associated with the Item.
institution_idstring
The id of the financial institution associated with the Item.
date_last_updatedstring
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time item_idstring
The
item_id of the Item associated with this webhook, warning, or erroraccounts[object]
Data about each of the accounts open on the Item.
account_idstring
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.balancesobject
Information about an account's balances.
availablenullablenumber
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 currentnullablenumber
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 limitnullablenumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.unofficial_currencynullablestring
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.last_updated_datetimenullablestring
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 average_balancenullablenumber
The average historical balance for the entire report
Format:
double average_monthly[object]
The average historical balance of each calendar month
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
average_balanceobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.most_recent_thirtynullablenumber
The average historical balance from the most recent 30 days
Format:
double consumer_disputes[object]
The information about previously submitted valid dispute statements by the consumer
consumer_dispute_iddeprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
dispute_field_createstring
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date categorystring
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstatementstring
Text content of dispute
masknullablestring
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.
metadataobject
Metadata about the extracted account.
start_datenullablestring
The beginning of the range of the financial institution provided data for the account, in ISO 8601 format ("yyyy-mm-dd").
Format:
date namestring
The name of the account, either assigned by the user or by the financial institution itself
official_namenullablestring
The official name of the account as given by the financial institution
typestring
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, othersubtypenullablestring
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 annuitydays_availablenumber
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.
transactions[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.account_idstring
The ID of the account in which this transaction occurred.
amountnumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.unofficial_currencynullablestring
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.original_descriptionnullablestring
The string returned by the financial institution to describe the transaction.
credit_categorynullableobject
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.check_numbernullablestring
The check number of the transaction. This field is only populated for check transactions.
date_transactednullablestring
The date on which the transaction took place, in IS0 8601 format.
locationobject
A representation of where a transaction took place
addressnullablestring
The street address where the transaction occurred.
citynullablestring
The city where the transaction occurred.
regionnullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.postal_codenullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
latnullablenumber
The latitude where the transaction occurred.
Format:
double lonnullablenumber
The longitude where the transaction occurred.
Format:
double store_numbernullablestring
The merchant defined store number where the transaction occurred.
merchant_namenullablestring
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.pendingboolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.account_ownernullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.owners[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.names[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.phone_numbers[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.
emails[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.
addresses[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.
dataobject
Data about the components comprising an address.
citynullablestring
The full city name
regionnullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"streetstring
The full street address
Example:
"564 Main Street, APT 15"postal_codenullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code
primaryboolean
When
true, identifies the address as the primary address on an account.ownership_typenullablestring
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, trustaccount_insightsdeprecatedobject
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.
oldest_transactionnullablestring
Date of the earliest transaction for the account.
Format:
date most_recentnullablestring
Date of the most recent transaction for the account.
Format:
date days_availableinteger
Number of days days available for the account.
average_days_betweennumber
Average number of days between sequential transactions
longest_gaps_between[object]
Longest gap between sequential transactions in a time period. This array can include multiple time periods.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date daysnullableinteger
Largest number of days between sequential transactions for this time period.
number_of_inflows[object]
The number of debits into the account. This array will be empty for non-depository accounts.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date countinteger
The number of credits or debits out of the account for this time period.
average_inflow_amounts[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.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date total_amountobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.number_of_outflows[object]
The number of outflows from the account. This array will be empty for non-depository accounts.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date countinteger
The number of credits or debits out of the account for this time period.
average_outflow[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.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date total_amountobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.number_of_days_nointeger
Number of days with no transactions
attributesobject
Calculated attributes derived from transaction-level data.
is_primary_accountnullableboolean
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.
primary_account_scorenullablenumber
Value ranging from 0-1. The higher the score, the more confident we are of the account being the primary account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the time range for the report in the given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 30 days for a given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 60 days for a given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 90 days for a given account.
total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.attributesobject
Calculated attributes derived from transaction-level data, aggregated across accounts.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the time range for the report in the given report.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 30 days for a given report.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 60 days for a given report.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 90 days for a given report.
total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.warnings[object]
If the Base Report generation was successful but identity information cannot be returned, this array will contain information about the errors causing identity information to be missing
warning_typestring
The warning type, which will always be
BASE_REPORT_WARNINGwarning_codestring
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_ALERTcausenullableobject
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.error_typestring
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, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERRORerror_codestring
The particular error code. Safe for programmatic use.
error_code_reasonnullablestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagenullablestring
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.
request_idstring
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarray
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.statusnullableinteger
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.
documentation_urlstring
The URL of a Plaid documentation page with more information about the error
suggested_actionnullablestring
Suggested steps for resolving the error
item_idstring
The
item_id of the Item associated with this webhook, warning, or errorrequest_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "report": {3 "date_generated": "2024-07-16T01:52:42.912331716Z",4 "days_requested": 365,5 "items": [6 {7 "accounts": [8 {9 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",10 "account_insights": {11 "average_days_between_transactions": 0.15,12 "average_inflow_amount": [13 {14 "end_date": "2024-07-31",15 "start_date": "2024-07-01",16 "total_amount": {17 "amount": 1077.93,18 "iso_currency_code": "USD",19 "unofficial_currency_code": null20 }21 }22 ],23 "average_inflow_amounts": [24 {25 "end_date": "2024-07-31",26 "start_date": "2024-07-01",27 "total_amount": {28 "amount": 1077.93,29 "iso_currency_code": "USD",30 "unofficial_currency_code": null31 }32 },33 {34 "end_date": "2024-08-31",35 "start_date": "2024-08-01",36 "total_amount": {37 "amount": 1076.93,38 "iso_currency_code": "USD",39 "unofficial_currency_code": null40 }41 }42 ],43 "average_outflow_amount": [44 {45 "end_date": "2024-07-31",46 "start_date": "2024-07-01",47 "total_amount": {48 "amount": 34.95,49 "iso_currency_code": "USD",50 "unofficial_currency_code": null51 }52 }53 ],54 "average_outflow_amounts": [55 {56 "end_date": "2024-07-31",57 "start_date": "2024-07-01",58 "total_amount": {59 "amount": 34.95,60 "iso_currency_code": "USD",61 "unofficial_currency_code": null62 }63 },64 {65 "end_date": "2024-08-31",66 "start_date": "2024-08-01",67 "total_amount": {68 "amount": 0,69 "iso_currency_code": "USD",70 "unofficial_currency_code": null71 }72 }73 ],74 "days_available": 365,75 "longest_gap_between_transactions": [76 {77 "days": 1,78 "end_date": "2024-07-31",79 "start_date": "2024-07-01"80 }81 ],82 "longest_gaps_between_transactions": [83 {84 "days": 1,85 "end_date": "2024-07-31",86 "start_date": "2024-07-01"87 },88 {89 "days": 2,90 "end_date": "2024-08-31",91 "start_date": "2024-08-01"92 }93 ],94 "most_recent_transaction_date": "2024-07-16",95 "number_of_days_no_transactions": 0,96 "number_of_inflows": [97 {98 "count": 1,99 "end_date": "2024-07-31",100 "start_date": "2024-07-01"101 }102 ],103 "number_of_outflows": [104 {105 "count": 27,106 "end_date": "2024-07-31",107 "start_date": "2024-07-01"108 }109 ],110 "oldest_transaction_date": "2024-07-12"111 },112 "balances": {113 "available": 5000,114 "average_balance": 4956.12,115 "average_monthly_balances": [116 {117 "average_balance": {118 "amount": 4956.12,119 "iso_currency_code": "USD",120 "unofficial_currency_code": null121 },122 "end_date": "2024-07-31",123 "start_date": "2024-07-01"124 }125 ],126 "current": 5000,127 "iso_currency_code": "USD",128 "limit": null,129 "most_recent_thirty_day_average_balance": 4956.125,130 "unofficial_currency_code": null131 },132 "consumer_disputes": [],133 "days_available": 365,134 "mask": "1208",135 "metadata": {136 "start_date": "2024-01-01",137 "end_date": "2024-07-16"138 },139 "name": "Checking",140 "official_name": "Plaid checking",141 "owners": [142 {143 "addresses": [144 {145 "data": {146 "city": "Malakoff",147 "country": "US",148 "postal_code": "14236",149 "region": "NY",150 "street": "2992 Cameron Road"151 },152 "primary": true153 },154 {155 "data": {156 "city": "San Matias",157 "country": "US",158 "postal_code": "93405-2255",159 "region": "CA",160 "street": "2493 Leisure Lane"161 },162 "primary": false163 }164 ],165 "emails": [166 {167 "data": "accountholder0@example.com",168 "primary": true,169 "type": "primary"170 },171 {172 "data": "accountholder1@example.com",173 "primary": false,174 "type": "secondary"175 },176 {177 "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",178 "primary": false,179 "type": "other"180 }181 ],182 "names": [183 "Alberta Bobbeth Charleson"184 ],185 "phone_numbers": [186 {187 "data": "+1 111-555-3333",188 "primary": false,189 "type": "home"190 },191 {192 "data": "+1 111-555-4444",193 "primary": false,194 "type": "work"195 },196 {197 "data": "+1 111-555-5555",198 "primary": false,199 "type": "mobile"200 }201 ]202 }203 ],204 "ownership_type": null,205 "subtype": "checking",206 "transactions": [207 {208 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",209 "account_owner": null,210 "amount": 37.07,211 "check_number": null,212 "credit_category": {213 "detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",214 "primary": "GENERAL_MERCHANDISE"215 },216 "date": "2024-07-12",217 "date_posted": "2024-07-12T00:00:00Z",218 "date_transacted": "2024-07-12",219 "iso_currency_code": "USD",220 "location": {221 "address": null,222 "city": null,223 "country": null,224 "lat": null,225 "lon": null,226 "postal_code": null,227 "region": null,228 "state": null,229 "store_number": null,230 "zip": null231 },232 "merchant_name": "Amazon",233 "original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",234 "pending": false,235 "transaction_id": "XA7ZLy8rXzt7D3j9B6LMIgv5VxyQkAhbKjzmp",236 "unofficial_currency_code": null237 },238 {239 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",240 "account_owner": null,241 "amount": 51.61,242 "check_number": null,243 "credit_category": {244 "detailed": "DINING_DINING",245 "primary": "DINING"246 },247 "date": "2024-07-12",248 "date_posted": "2024-07-12T00:00:00Z",249 "date_transacted": "2024-07-12",250 "iso_currency_code": "USD",251 "location": {252 "address": null,253 "city": null,254 "country": null,255 "lat": null,256 "lon": null,257 "postal_code": null,258 "region": null,259 "state": null,260 "store_number": null,261 "zip": null262 },263 "merchant_name": "Domino's",264 "original_description": "DOMINO's XXXX 111-222-3333",265 "pending": false,266 "transaction_id": "VEPeMbWqRluPVZLQX4MDUkKRw41Ljzf9gyLBW",267 "unofficial_currency_code": null268 },269 {270 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",271 "account_owner": null,272 "amount": 7.55,273 "check_number": null,274 "credit_category": {275 "detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",276 "primary": "GENERAL_MERCHANDISE"277 },278 "date": "2024-07-12",279 "date_posted": "2024-07-12T00:00:00Z",280 "date_transacted": "2024-07-12",281 "iso_currency_code": "USD",282 "location": {283 "address": null,284 "city": "Chicago",285 "country": null,286 "lat": null,287 "lon": null,288 "postal_code": null,289 "region": null,290 "state": null,291 "store_number": null,292 "zip": null293 },294 "merchant_name": "IKEA",295 "original_description": "IKEA CHICAGO",296 "pending": false,297 "transaction_id": "6GQZARgvroCAE1eW5wpQT7w3oB6nvzi8DKMBa",298 "unofficial_currency_code": null299 },300 {301 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",302 "account_owner": null,303 "amount": 12.87,304 "check_number": null,305 "credit_category": {306 "detailed": "GENERAL_MERCHANDISE_SPORTING_GOODS",307 "primary": "GENERAL_MERCHANDISE"308 },309 "date": "2024-07-12",310 "date_posted": "2024-07-12T00:00:00Z",311 "date_transacted": "2024-07-12",312 "iso_currency_code": "USD",313 "location": {314 "address": null,315 "city": "Redlands",316 "country": null,317 "lat": null,318 "lon": null,319 "postal_code": null,320 "region": "CA",321 "state": "CA",322 "store_number": null,323 "zip": null324 },325 "merchant_name": "Nike",326 "original_description": "NIKE REDLANDS CA",327 "pending": false,328 "transaction_id": "DkbmlP8BZxibzADqNplKTeL8aZJVQ1c3WR95z",329 "unofficial_currency_code": null330 },331 {332 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",333 "account_owner": null,334 "amount": 44.21,335 "check_number": null,336 "credit_category": {337 "detailed": "DINING_DINING",338 "primary": "DINING"339 },340 "date": "2024-07-12",341 "date_posted": "2024-07-12T00:00:00Z",342 "date_transacted": "2024-07-12",343 "iso_currency_code": "USD",344 "location": {345 "address": null,346 "city": null,347 "country": null,348 "lat": null,349 "lon": null,350 "postal_code": null,351 "region": null,352 "state": null,353 "store_number": null,354 "zip": null355 },356 "merchant_name": null,357 "original_description": "POKE BROS * POKE BRO IL",358 "pending": false,359 "transaction_id": "RpdN7W8GmRSdjZB9Jm7ATj4M86vdnktapkrgL",360 "unofficial_currency_code": null361 },362 {363 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",364 "account_owner": null,365 "amount": 36.82,366 "check_number": null,367 "credit_category": {368 "detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",369 "primary": "GENERAL_MERCHANDISE"370 },371 "date": "2024-07-13",372 "date_posted": "2024-07-13T00:00:00Z",373 "date_transacted": "2024-07-13",374 "iso_currency_code": "USD",375 "location": {376 "address": null,377 "city": null,378 "country": null,379 "lat": null,380 "lon": null,381 "postal_code": null,382 "region": null,383 "state": null,384 "store_number": null,385 "zip": null386 },387 "merchant_name": "Family Dollar",388 "original_description": "FAMILY DOLLAR",389 "pending": false,390 "transaction_id": "5AeQWvo5KLtAD9wNL68PTdAgPE7VNWf5Kye1G",391 "unofficial_currency_code": null392 },393 {394 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",395 "account_owner": null,396 "amount": 13.27,397 "check_number": null,398 "credit_category": {399 "detailed": "FOOD_RETAIL_GROCERIES",400 "primary": "FOOD_RETAIL"401 },402 "date": "2024-07-13",403 "date_posted": "2024-07-13T00:00:00Z",404 "date_transacted": "2024-07-13",405 "iso_currency_code": "USD",406 "location": {407 "address": null,408 "city": null,409 "country": null,410 "lat": null,411 "lon": null,412 "postal_code": null,413 "region": null,414 "state": null,415 "store_number": null,416 "zip": null417 },418 "merchant_name": "Instacart",419 "original_description": "INSTACART HTTPSINSTACAR CA",420 "pending": false,421 "transaction_id": "Jjlr3MEVg1HlKbdkZj39ij5a7eg9MqtB6MWDo",422 "unofficial_currency_code": null423 },424 {425 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",426 "account_owner": null,427 "amount": 36.03,428 "check_number": null,429 "credit_category": {430 "detailed": "DINING_DINING",431 "primary": "DINING"432 },433 "date": "2024-07-13",434 "date_posted": "2024-07-13T00:00:00Z",435 "date_transacted": "2024-07-13",436 "iso_currency_code": "USD",437 "location": {438 "address": null,439 "city": null,440 "country": null,441 "lat": null,442 "lon": null,443 "postal_code": null,444 "region": null,445 "state": null,446 "store_number": null,447 "zip": null448 },449 "merchant_name": null,450 "original_description": "POKE BROS * POKE BRO IL",451 "pending": false,452 "transaction_id": "kN9KV7yAZJUMPn93KDXqsG9MrpjlyLUL6Dgl8",453 "unofficial_currency_code": null454 },455 {456 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",457 "account_owner": null,458 "amount": 54.74,459 "check_number": null,460 "credit_category": {461 "detailed": "FOOD_RETAIL_GROCERIES",462 "primary": "FOOD_RETAIL"463 },464 "date": "2024-07-13",465 "date_posted": "2024-07-13T00:00:00Z",466 "date_transacted": "2024-07-13",467 "iso_currency_code": "USD",468 "location": {469 "address": null,470 "city": "Whittier",471 "country": null,472 "lat": null,473 "lon": null,474 "postal_code": null,475 "region": "CA",476 "state": "CA",477 "store_number": null,478 "zip": null479 },480 "merchant_name": "Smart & Final",481 "original_description": "POS SMART AND FINAL 111 WHITTIER CA",482 "pending": false,483 "transaction_id": "lPvrweZAMqHDar43vwWKs547kLZVEzfpogGVJ",484 "unofficial_currency_code": null485 },486 {487 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",488 "account_owner": null,489 "amount": 37.5,490 "check_number": null,491 "credit_category": {492 "detailed": "DINING_DINING",493 "primary": "DINING"494 },495 "date": "2024-07-13",496 "date_posted": "2024-07-13T00:00:00Z",497 "date_transacted": "2024-07-13",498 "iso_currency_code": "USD",499 "location": {500 "address": "1627 N 24th St",501 "city": "Phoenix",502 "country": null,503 "lat": null,504 "lon": null,505 "postal_code": "85008",506 "region": "AZ",507 "state": "AZ",508 "store_number": null,509 "zip": "85008"510 },511 "merchant_name": "Taqueria El Guerrerense",512 "original_description": "TAQUERIA EL GUERRERO PHOENIX AZ",513 "pending": false,514 "transaction_id": "wka74WKqngiyJ3pj7dl5SbpLGQBZqyCPZRDbP",515 "unofficial_currency_code": null516 },517 {518 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",519 "account_owner": null,520 "amount": 41.42,521 "check_number": null,522 "credit_category": {523 "detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",524 "primary": "GENERAL_MERCHANDISE"525 },526 "date": "2024-07-14",527 "date_posted": "2024-07-14T00:00:00Z",528 "date_transacted": "2024-07-14",529 "iso_currency_code": "USD",530 "location": {531 "address": null,532 "city": null,533 "country": null,534 "lat": null,535 "lon": null,536 "postal_code": null,537 "region": null,538 "state": null,539 "store_number": null,540 "zip": null541 },542 "merchant_name": "Amazon",543 "original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",544 "pending": false,545 "transaction_id": "BBGnV4RkerHjn8WVavGyiJbQ95VNDaC4M56bJ",546 "unofficial_currency_code": null547 },548 {549 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",550 "account_owner": null,551 "amount": -1077.93,552 "check_number": null,553 "credit_category": {554 "detailed": "INCOME_OTHER",555 "primary": "INCOME"556 },557 "date": "2024-07-14",558 "date_posted": "2024-07-14T00:00:00Z",559 "date_transacted": "2024-07-14",560 "iso_currency_code": "USD",561 "location": {562 "address": null,563 "city": null,564 "country": null,565 "lat": null,566 "lon": null,567 "postal_code": null,568 "region": null,569 "state": null,570 "store_number": null,571 "zip": null572 },573 "merchant_name": "Lyft",574 "original_description": "LYFT TRANSFER",575 "pending": false,576 "transaction_id": "3Ej78yKJlQu1Abw7xzo4U4JR6pmwzntZlbKDK",577 "unofficial_currency_code": null578 },579 {580 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",581 "account_owner": null,582 "amount": 47.17,583 "check_number": null,584 "credit_category": {585 "detailed": "FOOD_RETAIL_GROCERIES",586 "primary": "FOOD_RETAIL"587 },588 "date": "2024-07-14",589 "date_posted": "2024-07-14T00:00:00Z",590 "date_transacted": "2024-07-14",591 "iso_currency_code": "USD",592 "location": {593 "address": null,594 "city": "Whittier",595 "country": null,596 "lat": null,597 "lon": null,598 "postal_code": null,599 "region": "CA",600 "state": "CA",601 "store_number": null,602 "zip": null603 },604 "merchant_name": "Smart & Final",605 "original_description": "POS SMART AND FINAL 111 WHITTIER CA",606 "pending": false,607 "transaction_id": "rMzaBpJw8jSZRJQBabKdteQBwd5EaWc7J9qem",608 "unofficial_currency_code": null609 },610 {611 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",612 "account_owner": null,613 "amount": 12.37,614 "check_number": null,615 "credit_category": {616 "detailed": "FOOD_RETAIL_GROCERIES",617 "primary": "FOOD_RETAIL"618 },619 "date": "2024-07-14",620 "date_posted": "2024-07-14T00:00:00Z",621 "date_transacted": "2024-07-14",622 "iso_currency_code": "USD",623 "location": {624 "address": null,625 "city": "Whittier",626 "country": null,627 "lat": null,628 "lon": null,629 "postal_code": null,630 "region": "CA",631 "state": "CA",632 "store_number": null,633 "zip": null634 },635 "merchant_name": "Smart & Final",636 "original_description": "POS SMART AND FINAL 111 WHITTIER CA",637 "pending": false,638 "transaction_id": "zWPZjkmzynTyel89ZjExS59DV6WAaZflNBJ56",639 "unofficial_currency_code": null640 },641 {642 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",643 "account_owner": null,644 "amount": 44.18,645 "check_number": null,646 "credit_category": {647 "detailed": "FOOD_RETAIL_GROCERIES",648 "primary": "FOOD_RETAIL"649 },650 "date": "2024-07-14",651 "date_posted": "2024-07-14T00:00:00Z",652 "date_transacted": "2024-07-14",653 "iso_currency_code": "USD",654 "location": {655 "address": null,656 "city": "Portland",657 "country": null,658 "lat": null,659 "lon": null,660 "postal_code": null,661 "region": "OR",662 "state": "OR",663 "store_number": "1111",664 "zip": null665 },666 "merchant_name": "Safeway",667 "original_description": "SAFEWAY #1111 PORTLAND OR 111111",668 "pending": false,669 "transaction_id": "K7qzx1nP8ptqgwaRMbxyI86XrqADMluRpkWx5",670 "unofficial_currency_code": null671 },672 {673 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",674 "account_owner": null,675 "amount": 45.37,676 "check_number": null,677 "credit_category": {678 "detailed": "DINING_DINING",679 "primary": "DINING"680 },681 "date": "2024-07-14",682 "date_posted": "2024-07-14T00:00:00Z",683 "date_transacted": "2024-07-14",684 "iso_currency_code": "USD",685 "location": {686 "address": null,687 "city": null,688 "country": null,689 "lat": null,690 "lon": null,691 "postal_code": null,692 "region": null,693 "state": null,694 "store_number": null,695 "zip": null696 },697 "merchant_name": "Uber Eats",698 "original_description": "UBER EATS",699 "pending": false,700 "transaction_id": "qZrdzLRAgNHo5peMdD9xIzELl3a1NvcgrPAzL",701 "unofficial_currency_code": null702 },703 {704 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",705 "account_owner": null,706 "amount": 15.22,707 "check_number": null,708 "credit_category": {709 "detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",710 "primary": "GENERAL_MERCHANDISE"711 },712 "date": "2024-07-15",713 "date_posted": "2024-07-15T00:00:00Z",714 "date_transacted": "2024-07-15",715 "iso_currency_code": "USD",716 "location": {717 "address": null,718 "city": null,719 "country": null,720 "lat": null,721 "lon": null,722 "postal_code": null,723 "region": null,724 "state": null,725 "store_number": null,726 "zip": null727 },728 "merchant_name": "Amazon",729 "original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",730 "pending": false,731 "transaction_id": "NZzx4oRPkAHzyRekpG4PTZkWnBPqEyiy6pB1M",732 "unofficial_currency_code": null733 },734 {735 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",736 "account_owner": null,737 "amount": 26.33,738 "check_number": null,739 "credit_category": {740 "detailed": "DINING_DINING",741 "primary": "DINING"742 },743 "date": "2024-07-15",744 "date_posted": "2024-07-15T00:00:00Z",745 "date_transacted": "2024-07-15",746 "iso_currency_code": "USD",747 "location": {748 "address": null,749 "city": null,750 "country": null,751 "lat": null,752 "lon": null,753 "postal_code": null,754 "region": null,755 "state": null,756 "store_number": null,757 "zip": null758 },759 "merchant_name": "Domino's",760 "original_description": "DOMINO's XXXX 111-222-3333",761 "pending": false,762 "transaction_id": "x84eNArKbESz8Woden6LT3nvyogeJXc64Pp35",763 "unofficial_currency_code": null764 },765 {766 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",767 "account_owner": null,768 "amount": 39.8,769 "check_number": null,770 "credit_category": {771 "detailed": "GENERAL_MERCHANDISE_DISCOUNT_STORES",772 "primary": "GENERAL_MERCHANDISE"773 },774 "date": "2024-07-15",775 "date_posted": "2024-07-15T00:00:00Z",776 "date_transacted": "2024-07-15",777 "iso_currency_code": "USD",778 "location": {779 "address": null,780 "city": null,781 "country": null,782 "lat": null,783 "lon": null,784 "postal_code": null,785 "region": null,786 "state": null,787 "store_number": null,788 "zip": null789 },790 "merchant_name": "Family Dollar",791 "original_description": "FAMILY DOLLAR",792 "pending": false,793 "transaction_id": "dzWnyxwZ4GHlZPGgrNyxiMG7qd5jDgCJEz5jL",794 "unofficial_currency_code": null795 },796 {797 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",798 "account_owner": null,799 "amount": 45.06,800 "check_number": null,801 "credit_category": {802 "detailed": "FOOD_RETAIL_GROCERIES",803 "primary": "FOOD_RETAIL"804 },805 "date": "2024-07-15",806 "date_posted": "2024-07-15T00:00:00Z",807 "date_transacted": "2024-07-15",808 "iso_currency_code": "USD",809 "location": {810 "address": null,811 "city": null,812 "country": null,813 "lat": null,814 "lon": null,815 "postal_code": null,816 "region": null,817 "state": null,818 "store_number": null,819 "zip": null820 },821 "merchant_name": "Instacart",822 "original_description": "INSTACART HTTPSINSTACAR CA",823 "pending": false,824 "transaction_id": "4W7eE9rZqMToDArbPeLNIREoKpdgBMcJbVNQD",825 "unofficial_currency_code": null826 },827 {828 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",829 "account_owner": null,830 "amount": 34.91,831 "check_number": null,832 "credit_category": {833 "detailed": "FOOD_RETAIL_GROCERIES",834 "primary": "FOOD_RETAIL"835 },836 "date": "2024-07-15",837 "date_posted": "2024-07-15T00:00:00Z",838 "date_transacted": "2024-07-15",839 "iso_currency_code": "USD",840 "location": {841 "address": null,842 "city": "Whittier",843 "country": null,844 "lat": null,845 "lon": null,846 "postal_code": null,847 "region": "CA",848 "state": "CA",849 "store_number": null,850 "zip": null851 },852 "merchant_name": "Smart & Final",853 "original_description": "POS SMART AND FINAL 111 WHITTIER CA",854 "pending": false,855 "transaction_id": "j4yqDjb7QwS7woGzqrgDIEG1NaQVZwf6Wmz3D",856 "unofficial_currency_code": null857 },858 {859 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",860 "account_owner": null,861 "amount": 49.78,862 "check_number": null,863 "credit_category": {864 "detailed": "FOOD_RETAIL_GROCERIES",865 "primary": "FOOD_RETAIL"866 },867 "date": "2024-07-15",868 "date_posted": "2024-07-15T00:00:00Z",869 "date_transacted": "2024-07-15",870 "iso_currency_code": "USD",871 "location": {872 "address": null,873 "city": "Portland",874 "country": null,875 "lat": null,876 "lon": null,877 "postal_code": null,878 "region": "OR",879 "state": "OR",880 "store_number": "1111",881 "zip": null882 },883 "merchant_name": "Safeway",884 "original_description": "SAFEWAY #1111 PORTLAND OR 111111",885 "pending": false,886 "transaction_id": "aqgWnze7xoHd6DQwLPnzT5dgPKjB1NfZ5JlBy",887 "unofficial_currency_code": null888 },889 {890 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",891 "account_owner": null,892 "amount": 54.24,893 "check_number": null,894 "credit_category": {895 "detailed": "FOOD_RETAIL_GROCERIES",896 "primary": "FOOD_RETAIL"897 },898 "date": "2024-07-15",899 "date_posted": "2024-07-15T00:00:00Z",900 "date_transacted": "2024-07-15",901 "iso_currency_code": "USD",902 "location": {903 "address": null,904 "city": "Portland",905 "country": null,906 "lat": null,907 "lon": null,908 "postal_code": null,909 "region": "OR",910 "state": "OR",911 "store_number": "1111",912 "zip": null913 },914 "merchant_name": "Safeway",915 "original_description": "SAFEWAY #1111 PORTLAND OR 111111",916 "pending": false,917 "transaction_id": "P13aP8b7nmS3WQoxg1PMsdvMK679RNfo65B4G",918 "unofficial_currency_code": null919 },920 {921 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",922 "account_owner": null,923 "amount": 41.79,924 "check_number": null,925 "credit_category": {926 "detailed": "GENERAL_MERCHANDISE_ONLINE_MARKETPLACES",927 "primary": "GENERAL_MERCHANDISE"928 },929 "date": "2024-07-16",930 "date_posted": "2024-07-16T00:00:00Z",931 "date_transacted": "2024-07-16",932 "iso_currency_code": "USD",933 "location": {934 "address": null,935 "city": null,936 "country": null,937 "lat": null,938 "lon": null,939 "postal_code": null,940 "region": null,941 "state": null,942 "store_number": null,943 "zip": null944 },945 "merchant_name": "Amazon",946 "original_description": "AMZN Mktp US*11111111 Amzn.com/bill WA AM",947 "pending": false,948 "transaction_id": "7nZMG6pXz8SADylMqzx7TraE4qjJm7udJyAGm",949 "unofficial_currency_code": null950 },951 {952 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",953 "account_owner": null,954 "amount": 33.86,955 "check_number": null,956 "credit_category": {957 "detailed": "FOOD_RETAIL_GROCERIES",958 "primary": "FOOD_RETAIL"959 },960 "date": "2024-07-16",961 "date_posted": "2024-07-16T00:00:00Z",962 "date_transacted": "2024-07-16",963 "iso_currency_code": "USD",964 "location": {965 "address": null,966 "city": null,967 "country": null,968 "lat": null,969 "lon": null,970 "postal_code": null,971 "region": null,972 "state": null,973 "store_number": null,974 "zip": null975 },976 "merchant_name": "Instacart",977 "original_description": "INSTACART HTTPSINSTACAR CA",978 "pending": false,979 "transaction_id": "MQr3ap7PWEIrQG7bLdaNsxyBV7g1KqCL6pwoy",980 "unofficial_currency_code": null981 },982 {983 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",984 "account_owner": null,985 "amount": 27.08,986 "check_number": null,987 "credit_category": {988 "detailed": "DINING_DINING",989 "primary": "DINING"990 },991 "date": "2024-07-16",992 "date_posted": "2024-07-16T00:00:00Z",993 "date_transacted": "2024-07-16",994 "iso_currency_code": "USD",995 "location": {996 "address": null,997 "city": null,998 "country": null,999 "lat": null,1000 "lon": null,1001 "postal_code": null,1002 "region": null,1003 "state": null,1004 "store_number": null,1005 "zip": null1006 },1007 "merchant_name": null,1008 "original_description": "POKE BROS * POKE BRO IL",1009 "pending": false,1010 "transaction_id": "eBAk9dvwNbHPZpr8W69dU3rekJz47Kcr9BRwl",1011 "unofficial_currency_code": null1012 },1013 {1014 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",1015 "account_owner": null,1016 "amount": 25.94,1017 "check_number": null,1018 "credit_category": {1019 "detailed": "GENERAL_MERCHANDISE_FURNITURE_AND_HARDWARE",1020 "primary": "GENERAL_MERCHANDISE"1021 },1022 "date": "2024-07-16",1023 "date_posted": "2024-07-16T00:00:00Z",1024 "date_transacted": "2024-07-16",1025 "iso_currency_code": "USD",1026 "location": {1027 "address": null,1028 "city": null,1029 "country": null,1030 "lat": null,1031 "lon": null,1032 "postal_code": null,1033 "region": null,1034 "state": null,1035 "store_number": null,1036 "zip": null1037 },1038 "merchant_name": "The Home Depot",1039 "original_description": "THE HOME DEPOT",1040 "pending": false,1041 "transaction_id": "QLx4jEJZb9SxRm7aWbjAio3LrgZ5vPswm64dE",1042 "unofficial_currency_code": null1043 },1044 {1045 "account_id": "NZzx4oRPkAHzyRekpG4PTZkoGpNAR4uypaj1E",1046 "account_owner": null,1047 "amount": 27.57,1048 "check_number": null,1049 "credit_category": {1050 "detailed": "GENERAL_MERCHANDISE_OTHER_GENERAL_MERCHANDISE",1051 "primary": "GENERAL_MERCHANDISE"1052 },1053 "date": "2024-07-16",1054 "date_posted": "2024-07-16T00:00:00Z",1055 "date_transacted": "2024-07-16",1056 "iso_currency_code": "USD",1057 "location": {1058 "address": null,1059 "city": null,1060 "country": null,1061 "lat": null,1062 "lon": null,1063 "postal_code": null,1064 "region": null,1065 "state": null,1066 "store_number": null,1067 "zip": null1068 },1069 "merchant_name": null,1070 "original_description": "The Press Club",1071 "pending": false,1072 "transaction_id": "ZnQ1ovqBldSQ6GzRbroAHLdQP68BrKceqmAjX",1073 "unofficial_currency_code": null1074 }1075 ],1076 "type": "depository"1077 }1078 ],1079 "date_last_updated": "2024-07-16T01:52:42.912331716Z",1080 "institution_id": "ins_109512",1081 "institution_name": "Houndstooth Bank",1082 "item_id": "NZzx4oRPkAHzyRekpG4PTZkDNkQW93tWnyGeA"1083 }1084 ],1085 "report_id": "f3bb434f-1c9b-4ef2-b76c-3d1fd08156ec"1086 },1087 "warnings": [],1088 "request_id": "FibfL8t3s71KJnj"1089}/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 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
client_idstring
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.secretstring
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.user_tokenstring
The user token associated with the User data is being requested for.
1try {2 const response = await client.craCheckReportIncomeInsightsGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 });5} catch (error) {6 // handle error7}Response fields and example
reportobject
The Check Income Insights Report for an end user.
report_idstring
The unique identifier associated with the Check Income Insights Report.
generated_timestring
The time when the Check Income Insights Report was generated.
Format:
date-time days_requestedinteger
The number of days requested by the customer for the Check Income Insights Report.
client_report_idnullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
items[object]
The list of Items in the report along with the associated metadata about the Item.
item_idstring
The
item_id of the Item associated with this webhook, warning, or errorbank_income_accounts[object]
The Item's accounts that have bank income data.
account_idstring
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.masknullablestring
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.
namestring
The name of the bank account.
official_namenullablestring
The official name of the bank account.
subtypestring
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, alltypestring
The account type. This will always be
depository.Possible values:
depositorybank_income_sources[object]
The income sources for this Item. Each entry in the array is a single income source.
account_idstring
The account ID with which this income source is associated.
income_source_idstring
A unique identifier for an income source.
income_descriptionstring
The most common name or original description for the underlying income transactions.
income_categorystring
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, OTHERstart_datestring
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 end_datestring
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 pay_frequencystring
The income pay frequency.
Possible values:
WEEKLY, BIWEEKLY, SEMI_MONTHLY, MONTHLY, DAILY, UNKNOWNtotal_amountnumber
Total amount of earnings in the user’s bank account for the specific income source for days requested by the client.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.transaction_countinteger
Number of transactions for the income source within the start and end date.
next_payment_datenullablestring
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 historical_averagenullablenumber
An estimate of the average gross monthly income based on the historical net amount and income category for the income source(s).
historical_averagenullablenumber
The average monthly net income amount estimated based on the historical data for the income source(s).
forecasted_averagenullablenumber
The predicted average monthly net income amount for the income source(s).
forecasted_average[object]
The prediction interval(s) for the forecasted average monthly income.
lower_boundnullablenumber
The lower bound of the predicted attribute for the given probability.
upper_boundnullablenumber
The upper bound of the predicted attribute for the given probability.
probabilitynullablenumber
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.
historical_summary[object]
total_amounts[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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.start_datestring
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 end_datestring
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 transactions[object]
transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.amountnumber
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.datestring
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 namestring
The merchant name or transaction description.
original_descriptionnullablestring
The string returned by the financial institution to describe the transaction.
pendingboolean
When true, identifies the transaction as pending or unsettled.
Pending transaction details (name, type, amount, category ID) may change before they are settled.
check_numbernullablestring
The check number of the transaction. This field is only populated for check transactions.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.bonus_typenullablestring
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, nulllast_updated_timestring
The time when this Item's data was last retrieved from the financial institution.
Format:
date-time institution_idstring
The unique identifier of the institution associated with the Item.
institution_namestring
The name of the institution associated with the Item.
bank_income_summaryobject
Summary for income across all income sources and items (max history of 730 days).
total_amounts[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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.start_datestring
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 end_datestring
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 income_sources_countinteger
Number of income sources per end user.
income_categoriesinteger
Number of income categories per end user.
income_transactionsinteger
Number of income transactions per end user.
historical_average[object]
An estimate of the average gross monthly income based on the historical net amount and income category for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.historical_average[object]
The average monthly income amount estimated based on the historical data for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.forecasted_average[object]
The predicted average monthly income amount for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.historical_annual[object]
An estimate of the annual gross income based on the historical net amount and income category for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.historical_annual[object]
The annual income amount estimated based on the historical data for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.forecasted_annual[object]
The predicted average annual income amount for the income source(s).
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.historical_summary[object]
total_amounts[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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.start_datestring
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 end_datestring
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 transactions[object]
transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.amountnumber
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.datestring
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 namestring
The merchant name or transaction description.
original_descriptionnullablestring
The string returned by the financial institution to describe the transaction.
pendingboolean
When true, identifies the transaction as pending or unsettled.
Pending transaction details (name, type, amount, category ID) may change before they are settled.
check_numbernullablestring
The check number of the transaction. This field is only populated for check transactions.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.bonus_typenullablestring
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, nullwarnings[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.
warning_typestring
The warning type which will always be
BANK_INCOME_WARNING.Possible values:
BANK_INCOME_WARNINGwarning_codestring
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_UNAVAILABLEcauseobject
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.error_typestring
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_GRANTEDerror_codestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagestring
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.
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
warnings[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
warning_typestring
The warning type, which will always be
CHECK_REPORT_WARNINGwarning_codestring
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_ALERTcausenullableobject
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.error_typestring
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, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERRORerror_codestring
The particular error code. Safe for programmatic use.
error_code_reasonnullablestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagenullablestring
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.
request_idstring
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarray
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.statusnullableinteger
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.
documentation_urlstring
The URL of a Plaid documentation page with more information about the error
suggested_actionnullablestring
Suggested steps for resolving the error
item_idstring
The
item_id of the Item associated with this webhook, warning, or error1{2 "request_id": "LhQf0THi8SH1yJm",3 "report": {4 "report_id": "bbfc5174-5433-4648-8d93-9fec6a0c0966",5 "generated_time": "2022-01-31T22:47:53Z",6 "days_requested": 365,7 "items": [8 {9 "item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",10 "last_updated_time": "2022-01-31T22:47:53Z",11 "institution_id": "ins_0",12 "institution_name": "Plaid Bank",13 "bank_income_accounts": [14 {15 "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",16 "mask": "8888",17 "metadata": {18 "start_date": "2024-01-01",19 "end_date": "2024-07-16"20 },21 "name": "Plaid Checking Account",22 "official_name": "Plaid Checking Account",23 "type": "depository",24 "subtype": "checking",25 "owners": []26 }27 ],28 "bank_income_sources": [29 {30 "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",31 "income_source_id": "f17efbdd-caab-4278-8ece-963511cd3d51",32 "income_description": "PLAID_INC_DIRECT_DEP_PPD",33 "income_category": "SALARY",34 "start_date": "2021-11-15",35 "end_date": "2022-01-15",36 "pay_frequency": "MONTHLY",37 "total_amount": 300,38 "iso_currency_code": "USD",39 "unofficial_currency_code": null,40 "transaction_count": 1,41 "next_payment_date": "2022-12-15",42 "historical_average_monthly_gross_income": 390,43 "historical_average_monthly_income": 300,44 "forecasted_average_monthly_income": 300,45 "forecasted_average_monthly_income_prediction_intervals": [46 {47 "lower_bound": 200,48 "upper_bound": 400,49 "probability": 0.850 }51 ],52 "employer": {53 "name": "Plaid Inc"54 },55 "historical_summary": [56 {57 "start_date": "2021-11-02",58 "end_date": "2021-11-30",59 "total_amounts": [60 {61 "amount": 100,62 "iso_currency_code": "USD",63 "unofficial_currency_code": null64 }65 ],66 "transactions": [67 {68 "transaction_id": "aH5klwqG3B19OMT7D6F24Syv8pdnJXmtZoKQ5",69 "amount": 100,70 "bonus_type": null,71 "date": "2021-11-15",72 "name": "PLAID_INC_DIRECT_DEP_PPD",73 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123A",74 "pending": false,75 "check_number": null,76 "iso_currency_code": "USD",77 "unofficial_currency_code": null78 }79 ]80 },81 {82 "start_date": "2021-12-01",83 "end_date": "2021-12-31",84 "total_amounts": [85 {86 "amount": 100,87 "iso_currency_code": "USD",88 "unofficial_currency_code": null89 }90 ],91 "transactions": [92 {93 "transaction_id": "mN3rQ5iH8BC41T6UjKL9oD2vWJpZqXFomGwY1",94 "amount": 100,95 "bonus_type": null,96 "date": "2021-12-15",97 "name": "PLAID_INC_DIRECT_DEP_PPD",98 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123B",99 "pending": false,100 "check_number": null,101 "iso_currency_code": "USD",102 "unofficial_currency_code": null103 }104 ]105 },106 {107 "start_date": "2022-01-01",108 "end_date": "2022-01-31",109 "total_amounts": [110 {111 "amount": 100,112 "iso_currency_code": "USD",113 "unofficial_currency_code": null114 }115 ],116 "transactions": [117 {118 "transaction_id": "zK9lDoR8uBH51PNQ3W4T6Mjy2VFXpGtJwsL4",119 "amount": 100,120 "bonus_type": null,121 "date": "2022-01-31",122 "name": "PLAID_INC_DIRECT_DEP_PPD",123 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123C",124 "pending": false,125 "check_number": null,126 "iso_currency_code": "USD",127 "unofficial_currency_code": null128 }129 ]130 }131 ]132 }133 ]134 }135 ],136 "bank_income_summary": {137 "total_amounts": [138 {139 "amount": 300,140 "iso_currency_code": "USD",141 "unofficial_currency_code": null142 }143 ],144 "start_date": "2021-11-15",145 "end_date": "2022-01-15",146 "income_sources_count": 1,147 "income_categories_count": 1,148 "income_transactions_count": 1,149 "historical_average_monthly_gross_income": [150 {151 "amount": 390,152 "iso_currency_code": "USD",153 "unofficial_currency_code": null154 }155 ],156 "historical_average_monthly_income": [157 {158 "amount": 300,159 "iso_currency_code": "USD",160 "unofficial_currency_code": null161 }162 ],163 "forecasted_average_monthly_income": [164 {165 "amount": 300,166 "iso_currency_code": "USD",167 "unofficial_currency_code": null168 }169 ],170 "historical_annual_gross_income": [171 {172 "amount": 4680,173 "iso_currency_code": "USD",174 "unofficial_currency_code": null175 }176 ],177 "historical_annual_income": [178 {179 "amount": 3600,180 "iso_currency_code": "USD",181 "unofficial_currency_code": null182 }183 ],184 "forecasted_annual_income": [185 {186 "amount": 3600,187 "iso_currency_code": "USD",188 "unofficial_currency_code": null189 }190 ],191 "historical_summary": [192 {193 "start_date": "2021-11-02",194 "end_date": "2021-11-30",195 "total_amounts": [196 {197 "amount": 100,198 "iso_currency_code": "USD",199 "unofficial_currency_code": null200 }201 ],202 "transactions": [203 {204 "transaction_id": "aH5klwqG3B19OMT7D6F24Syv8pdnJXmtZoKQ5",205 "amount": 100,206 "bonus_type": null,207 "date": "2021-11-15",208 "name": "PLAID_INC_DIRECT_DEP_PPD",209 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123A",210 "pending": false,211 "check_number": null,212 "iso_currency_code": "USD",213 "unofficial_currency_code": null214 }215 ]216 },217 {218 "start_date": "2021-12-01",219 "end_date": "2021-12-31",220 "total_amounts": [221 {222 "amount": 100,223 "iso_currency_code": "USD",224 "unofficial_currency_code": null225 }226 ],227 "transactions": [228 {229 "transaction_id": "mN3rQ5iH8BC41T6UjKL9oD2vWJpZqXFomGwY1",230 "amount": 100,231 "bonus_type": null,232 "date": "2021-12-15",233 "name": "PLAID_INC_DIRECT_DEP_PPD",234 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123B",235 "pending": false,236 "check_number": null,237 "iso_currency_code": "USD",238 "unofficial_currency_code": null239 }240 ]241 },242 {243 "start_date": "2022-01-01",244 "end_date": "2022-01-31",245 "total_amounts": [246 {247 "amount": 100,248 "iso_currency_code": "USD",249 "unofficial_currency_code": null250 }251 ],252 "transactions": [253 {254 "transaction_id": "zK9lDoR8uBH51PNQ3W4T6Mjy2VFXpGtJwsL4",255 "amount": 100,256 "bonus_type": null,257 "date": "2022-01-31",258 "name": "PLAID_INC_DIRECT_DEP_PPD",259 "original_description": "PLAID_INC_DIRECT_DEP_PPD 123C",260 "pending": false,261 "check_number": null,262 "iso_currency_code": "USD",263 "unofficial_currency_code": null264 }265 ]266 }267 ],268 "warnings": []269 }270 }271}/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 the 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, we will generate the attributes when you call this endpoint.
Request fields
client_idstring
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.secretstring
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.user_tokenstring
The user token associated with the User data is being requested for.
1try {2 const response = await client.craCheckReportNetworkInsightsGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 });5} catch (error) {6 // handle error7}Response fields and example
reportobject
Contains data for the CRA Network Attributes Report.
report_idstring
The unique identifier associated with the Network Attributes report object.
generated_timestring
The time when the Network Attributes Report was generated.
Format:
date-time network_attributesobject
A map of network attributes, where the key is a string, and the value is a float, int, or boolean.
items[object]
The Items the end user connected in Link.
institution_idstring
The ID for the institution the user linked.
institution_namestring
The name of the institution the user linked.
item_idstring
The identifier for the Item.
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
warnings[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
warning_typestring
The warning type, which will always be
CHECK_REPORT_WARNINGwarning_codestring
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_ALERTcausenullableobject
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.error_typestring
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, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERRORerror_codestring
The particular error code. Safe for programmatic use.
error_code_reasonnullablestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagenullablestring
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.
request_idstring
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarray
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.statusnullableinteger
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.
documentation_urlstring
The URL of a Plaid documentation page with more information about the error
suggested_actionnullablestring
Suggested steps for resolving the error
item_idstring
The
item_id of the Item associated with this webhook, warning, or error1{2 "request_id": "LhQf0THi8SH1yJm",3 "report": {4 "report_id": "ee093cb0-e3f2-42d1-9dbc-8d8408964194",5 "generated_time": "2022-01-31T22:47:53Z",6 "network_attributes": {7 "plaid_conn_user_lifetime__lending_count": 5,8 "plaid_conn_user_lifetime__personal_lending_flag": true,9 "plaid_conn_user_lifetime__cash_advance_primary_count": 010 },11 "items": [12 {13 "institution_id": "ins_0",14 "institution_name": "Plaid Bank",15 "item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7"16 }17 ]18 }19}/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 the 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
client_idstring
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.secretstring
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.user_tokenstring
The user token associated with the User data is being requested for.
partner_insightsobject
Defines configuration to generate Partner Insights
prism_versionsobject
The versions of Prism products to evaluate
firstdetectstring
The version of Prism FirstDetect. If not specified, will default to v3.
Possible values:
3, nulldetectstring
The version of Prism Detect
Possible values:
4, nullcashscorestring
The version of Prism CashScore. If not specified, will default to v3.
Possible values:
4, 3, nullextendstring
The version of Prism Extend
Possible values:
4, nullinsightsstring
The version of Prism Insights. If not specified, will default to v3.
Possible values:
4, 3, nulloptionsdeprecatedobject
Deprecated, specify
partner_insights.prism_versions instead.prism_productsdeprecated[string]
The specific Prism Data products to return. If none are passed in, then all products will be returned.
Possible values:
insights, scoresprism_versionsdeprecatedobject
Deprecated, use
partner_insights.prism_versions instead.firstdetectstring
The version of Prism FirstDetect. If not specified, will default to v3.
Possible values:
3, nulldetectstring
The version of Prism Detect
Possible values:
4, nullcashscorestring
The version of Prism CashScore. If not specified, will default to v3.
Possible values:
4, 3, nullextendstring
The version of Prism Extend
Possible values:
4, nullinsightsstring
The version of Prism Insights. If not specified, will default to v3.
Possible values:
4, 3, null1try {2 const response = await client.craCheckReportPartnerInsightsGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 });5} catch (error) {6 // handle error7}Response fields and example
reportobject
The Partner Insights report of the bank data for an end user.
report_idstring
A unique identifier associated with the Partner Insights object.
generated_timestring
The time when the Partner Insights report was generated.
Format:
date-time client_report_idnullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
prismobject
The Prism Data insights for the user.
insightsnullableobject
The data from the Insights product returned by Prism Data.
versioninteger
The version of Prism Data's insights model used.
resultobject
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.
error_reasonstring
The error returned by Prism for this product.
cash_scorenullableobject
The data from the CashScore® product returned by Prism Data.
versiondeprecatedinteger
The version of Prism Data's cash score model used. This field is deprecated in favor of
model_version.model_versionstring
The version of Prism Data's cash score model used.
scorenullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
reason_codes[string]
The reasons for an individual having risk according to the cash score.
metadataobject
An object containing metadata about the provided transactions.
max_agenullableinteger
Number of days since the oldest transaction.
min_agenullableinteger
Number of days since the latest transaction.
min_age_creditnullableinteger
Number of days since the latest credit transaction.
min_age_debitnullableinteger
Number of days since the latest debit transaction.
max_age_debitnullableinteger
Number of days since the oldest debit transaction.
max_age_creditnullableinteger
Number of days since the oldest credit transaction.
num_trxn_creditnullableinteger
Number of credit transactions.
num_trxn_debitnullableinteger
Number of debit transactions.
l1m_credit_value_cntnullableinteger
Number of credit transactions in the last 30 days.
l1m_debit_value_cntnullableinteger
Number of debit transactions in the last 30 days.
error_reasonstring
The error returned by Prism for this product.
extendnullableobject
The data from the CashScore® Extend product returned by Prism Data.
model_versionstring
The version of Prism Data's CashScore® Extend model used.
scorenullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
reason_codes[string]
The reasons for an individual having risk according to the CashScore® Extend score.
metadataobject
An object containing metadata about the provided transactions.
max_agenullableinteger
Number of days since the oldest transaction.
min_agenullableinteger
Number of days since the latest transaction.
min_age_creditnullableinteger
Number of days since the latest credit transaction.
min_age_debitnullableinteger
Number of days since the latest debit transaction.
max_age_debitnullableinteger
Number of days since the oldest debit transaction.
max_age_creditnullableinteger
Number of days since the oldest credit transaction.
num_trxn_creditnullableinteger
Number of credit transactions.
num_trxn_debitnullableinteger
Number of debit transactions.
l1m_credit_value_cntnullableinteger
Number of credit transactions in the last 30 days.
l1m_debit_value_cntnullableinteger
Number of debit transactions in the last 30 days.
error_reasonstring
The error returned by Prism for this product.
first_detectnullableobject
The data from the FirstDetect product returned by Prism Data.
versiondeprecatedinteger
The version of Prism Data's FirstDetect model used. This field is deprecated in favor of
model_version.model_versionstring
The version of Prism Data's FirstDetect model used.
scorenullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
reason_codes[string]
The reasons for an individual having risk according to the FirstDetect score.
metadataobject
An object containing metadata about the provided transactions.
max_agenullableinteger
Number of days since the oldest transaction.
min_agenullableinteger
Number of days since the latest transaction.
min_age_creditnullableinteger
Number of days since the latest credit transaction.
min_age_debitnullableinteger
Number of days since the latest debit transaction.
max_age_debitnullableinteger
Number of days since the oldest debit transaction.
max_age_creditnullableinteger
Number of days since the oldest credit transaction.
num_trxn_creditnullableinteger
Number of credit transactions.
num_trxn_debitnullableinteger
Number of debit transactions.
l1m_credit_value_cntnullableinteger
Number of credit transactions in the last 30 days.
l1m_debit_value_cntnullableinteger
Number of debit transactions in the last 30 days.
error_reasonstring
The error returned by Prism for this product.
detectnullableobject
The data from the CashScore® Detect product returned by Prism Data.
model_versionstring
The version of Prism Data's CashScore® Detect model used.
scorenullableinteger
The score returned by Prism Data. Ranges from 1-999, with higher score indicating lower risk.
reason_codes[string]
The reasons for an individual having risk according to the CashScore® Detect score.
metadataobject
An object containing metadata about the provided transactions.
max_agenullableinteger
Number of days since the oldest transaction.
min_agenullableinteger
Number of days since the latest transaction.
min_age_creditnullableinteger
Number of days since the latest credit transaction.
min_age_debitnullableinteger
Number of days since the latest debit transaction.
max_age_debitnullableinteger
Number of days since the oldest debit transaction.
max_age_creditnullableinteger
Number of days since the oldest credit transaction.
num_trxn_creditnullableinteger
Number of credit transactions.
num_trxn_debitnullableinteger
Number of debit transactions.
l1m_credit_value_cntnullableinteger
Number of credit transactions in the last 30 days.
l1m_debit_value_cntnullableinteger
Number of debit transactions in the last 30 days.
error_reasonstring
The error returned by Prism for this product.
statusstring
Details on whether the Prism Data attributes succeeded or failed to be generated.
items[object]
The list of Items used in the report along with the associated metadata about the Item.
institution_idstring
The ID for the institution that the user linked.
institution_namestring
The name of the institution the user linked.
item_idstring
The identifier for the item.
accounts[object]
A list of accounts in the item
account_idstring
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.masknullablestring
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.
namestring
The name of the account
official_namenullablestring
The official name of the bank account.
subtypestring
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, alltypestring
The account type. This will always be
depository.Possible values:
depositoryrequest_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
warnings[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
warning_typestring
The warning type, which will always be
CHECK_REPORT_WARNINGwarning_codestring
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_ALERTcausenullableobject
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.error_typestring
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, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERRORerror_codestring
The particular error code. Safe for programmatic use.
error_code_reasonnullablestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagenullablestring
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.
request_idstring
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarray
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.statusnullableinteger
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.
documentation_urlstring
The URL of a Plaid documentation page with more information about the error
suggested_actionnullablestring
Suggested steps for resolving the error
item_idstring
The
item_id of the Item associated with this webhook, warning, or error1{2 "request_id": "LhQf0THi8SH1yJm",3 "report": {4 "report_id": "vzeNDwK7KQIm4yEog683uElbp9GRLEFXGK98D",5 "client_report_id": "client_report_id_1221",6 "generated_time": "2022-01-31T22:47:53Z",7 "items": [8 {9 "institution_id": "ins_109508",10 "institution_name": "Plaid Bank",11 "item_id": "Ed6bjNrDLJfGvZWwnkQlfxwoNz54B5C97ejBr",12 "accounts": [13 {14 "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",15 "mask": "8888",16 "metadata": {17 "start_date": "2022-01-01",18 "end_date": "2022-01-31"19 },20 "name": "Plaid Checking Account",21 "official_name": "Plaid Checking Account",22 "type": "depository",23 "subtype": "checking",24 "owners": []25 }26 ]27 }28 ],29 "prism": {30 "insights": {31 "version": 3,32 "result": {33 "l6m_cumbal_acc": 134 }35 },36 "cash_score": {37 "version": 3,38 "model_version": "3",39 "score": 900,40 "reason_codes": [41 "CS03038"42 ],43 "metadata": {44 "max_age": 20,45 "min_age": 1,46 "min_age_credit": 0,47 "min_age_debit": 1,48 "max_age_debit": 20,49 "max_age_credit": 0,50 "num_trxn_credit": 0,51 "num_trxn_debit": 40,52 "l1m_credit_value_cnt": 0,53 "l1m_debit_value_cnt": 4054 }55 },56 "first_detect": {57 "version": 3,58 "model_version": "3",59 "score": 900,60 "reason_codes": [61 "CS03038"62 ],63 "metadata": {64 "max_age": 20,65 "min_age": 1,66 "min_age_credit": 0,67 "min_age_debit": 1,68 "max_age_debit": 20,69 "max_age_credit": 0,70 "num_trxn_credit": 0,71 "num_trxn_debit": 40,72 "l1m_credit_value_cnt": 0,73 "l1m_debit_value_cnt": 4074 }75 },76 "status": "SUCCESS"77 }78 }79}/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 Income Insights report be included in the PDF as well, use the add-ons field.
Request fields
client_idstring
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.secretstring
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.user_tokenstring
The user token associated with the User data is being requested for.
add_ons[string]
Use this field to include other reports in the PDF.
Possible values:
cra_income_insights1try {2 const response = await client.craCheckReportPDFGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 });5 const pdf = response.buffer.toString('base64');6} catch (error) {7 // handle error8}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/verification/get
Retrieve various verification reports for a user.
This endpoint allows you to retrieve verification 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 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
client_idstring
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.secretstring
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.reports_requestedrequired[string]
Specifies which types of verification reports are expected in the response
Possible values:
VOA, EMPLOYMENT_REFRESHemployment_refreshobject
Defines configuration options for the Employment Refresh Report.
days_requestedrequiredinteger
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 user_tokenstring
The user token associated with the User data is being requested for.
1try {2 const response = await client.craCheckReportVerificationGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 reports_requested: ['VOA', 'EMPLOYMENT_REFRESH'],5 employment_refresh_options: {6 days_requested: 60,7 },8 });9} catch (error) {10 // handle error11}Response fields and example
reportobject
Contains data for the CRA Verification Report.
report_idstring
The unique identifier associated with the Verification Report object. This ID will be the same as the Base Report ID.
client_report_idnullablestring
Client-generated identifier, which can be used by lenders to track loan applications.
voanullableobject
An object representing a VOA report.
generated_timestring
The date and time when the VOA Report was created, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").
Format:
date-time days_requestednumber
The number of days of transaction history that the VOA report covers.
items[object]
Data returned by Plaid about each of the Items included in the Base Report.
accounts[object]
Data about each of the accounts open on the Item.
account_idstring
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.balancesobject
VOA Report information about an account's balances.
availablenullablenumber
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 currentnullablenumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.unofficial_currencynullablestring
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.historical_balances[object]
Calculated data about the historical balances on the account.
currentnumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the balance. Always
null if unofficial_currency_code is non-null.unofficial_currencynullablestring
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.average_balance_30nullablenumber
The average balance in the account over the last 30 days. Calculated using the derived historical balances.
Format:
double average_balance_60nullablenumber
The average balance in the account over the last 60 days. Calculated using the derived historical balances.
Format:
double nsf_overdraftnumber
The number of NSF and overdraft fee transactions in the time range for the report in the given account.
consumer_disputes[object]
The information about previously submitted valid dispute statements by the consumer
consumer_dispute_iddeprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
dispute_field_createstring
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date categorystring
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstatementstring
Text content of dispute
masknullablestring
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.
namestring
The name of the account, either assigned by the user or by the financial institution itself.
official_namenullablestring
The official name of the account as given by the financial institution.
typestring
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, othersubtypenullablestring
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 annuitydays_availablenumber
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.
transactions_insightsobject
Transaction data associated with the account.
all_transactions[object]
Transaction history associated with the account.
account_idstring
The ID of the account in which this transaction occurred.
amountnumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.unofficial_currencynullablestring
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.original_descriptionnullablestring
The string returned by the financial institution to describe the transaction.
credit_categorynullableobject
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.check_numbernullablestring
The check number of the transaction. This field is only populated for check transactions.
date_transactednullablestring
The date on which the transaction took place, in IS0 8601 format.
locationobject
A representation of where a transaction took place
addressnullablestring
The street address where the transaction occurred.
citynullablestring
The city where the transaction occurred.
regionnullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.postal_codenullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
latnullablenumber
The latitude where the transaction occurred.
Format:
double lonnullablenumber
The longitude where the transaction occurred.
Format:
double store_numbernullablestring
The merchant defined store number where the transaction occurred.
merchant_namenullablestring
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.pendingboolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.account_ownernullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.end_datenullablestring
The latest timeframe provided by the FI, in an ISO 8601 format (YYYY-MM-DD).
Format:
date start_datenullablestring
The earliest timeframe provided by the FI, in an ISO 8601 format (YYYY-MM-DD).
Format:
date owners[object]
Data returned by the financial institution about the account owner or owners.
names[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.phone_numbers[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.
emails[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.
addresses[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.
dataobject
Data about the components comprising an address.
citynullablestring
The full city name
regionnullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"streetstring
The full street address
Example:
"564 Main Street, APT 15"postal_codenullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code
primaryboolean
When
true, identifies the address as the primary address on an account.ownership_typenullablestring
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, trustinstitution_namestring
The full financial institution name associated with the Item.
institution_idstring
The id of the financial institution associated with the Item.
item_idstring
The
item_id of the Item associated with this webhook, warning, or errorlast_update_timestring
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time attributesobject
Attributes for the VOA report.
total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.employment_refreshnullableobject
An object representing an Employment Refresh Report.
generated_timestring
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 days_requestednumber
The number of days of transaction history that the Employment Refresh Report covers.
items[object]
Data returned by Plaid about each of the Items included in the Employment Refresh Report.
accounts[object]
Data about each of the accounts open on the Item.
account_idstring
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.namestring
The name of the account, either assigned by the user or by the financial institution itself.
official_namenullablestring
The official name of the account as given by the financial institution.
typestring
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, othersubtypenullablestring
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 annuitytransactions[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.
account_idstring
The ID of the account in which this transaction occurred.
original_descriptionstring
The string returned by the financial institution to describe the transaction.
datestring
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 pendingboolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.institution_namestring
The full financial institution name associated with the Item.
institution_idstring
The id of the financial institution associated with the Item.
item_idstring
The
item_id of the Item associated with this webhook, warning, or errorlast_update_timestring
The date and time when this Item’s data was last retrieved from the financial institution, in ISO 8601 format.
Format:
date-time request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
warnings[object]
If the verification 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.
warning_typestring
The warning type, which will always be
CHECK_REPORT_WARNINGwarning_codestring
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_ALERTcausenullableobject
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.error_typestring
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, TRANSACTIONS_ERROR, TRANSACTION_ERROR, TRANSFER_ERROR, CHECK_REPORT_ERROR, CONSUMER_REPORT_ERRORerror_codestring
The particular error code. Safe for programmatic use.
error_code_reasonnullablestring
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.error_messagestring
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagenullablestring
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.
request_idstring
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarray
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.statusnullableinteger
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.
documentation_urlstring
The URL of a Plaid documentation page with more information about the error
suggested_actionnullablestring
Suggested steps for resolving the error
item_idstring
The
item_id of the Item associated with this webhook, warning, or error1{2 "request_id": "LhQf0THi8SH1yJm",3 "report": {4 "report_id": "028e8404-a013-4a45-ac9e-002482f9cafc",5 "client_report_id": "client_report_id_1221",6 "voa": {7 "generated_time": "2023-03-30T18:27:37Z",8 "days_requested": 90,9 "attributes": {10 "total_inflow_amount": {11 "amount": 345.12,12 "iso_currency_code": "USD",13 "unofficial_currency_code": null14 },15 "total_outflow_amount": {16 "amount": 235.12,17 "iso_currency_code": "USD",18 "unofficial_currency_code": null19 }20 },21 "items": [22 {23 "accounts": [24 {25 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",26 "balances": {27 "available": 100,28 "current": 110,29 "iso_currency_code": "USD",30 "unofficial_currency_code": null,31 "historical_balances": [32 {33 "current": 110,34 "date": "2023-03-29",35 "iso_currency_code": "USD",36 "unofficial_currency_code": null37 },38 {39 "current": 125.55,40 "date": "2023-03-28",41 "iso_currency_code": "USD",42 "unofficial_currency_code": null43 },44 {45 "current": 80.13,46 "date": "2023-03-27",47 "iso_currency_code": "USD",48 "unofficial_currency_code": null49 },50 {51 "current": 246.11,52 "date": "2023-03-26",53 "iso_currency_code": "USD",54 "unofficial_currency_code": null55 },56 {57 "current": 182.71,58 "date": "2023-03-25",59 "iso_currency_code": "USD",60 "unofficial_currency_code": null61 }62 ],63 "average_balance_30_days": 200,64 "average_balance_60_days": 150,65 "average_balance_90_days": 125,66 "nsf_overdraft_transactions_count": 067 },68 "consumer_disputes": [],69 "mask": "0000",70 "name": "Plaid Checking",71 "official_name": "Plaid Gold Standard 0% Interest Checking",72 "type": "depository",73 "subtype": "checking",74 "days_available": 90,75 "transactions_insights": {76 "all_transactions": [77 {78 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",79 "amount": 89.4,80 "date": "2023-03-27",81 "iso_currency_code": "USD",82 "original_description": "SparkFun",83 "pending": false,84 "transaction_id": "4zBRq1Qem4uAPnoyKjJNTRQpQddM4ztlo1PLD",85 "unofficial_currency_code": null86 },87 {88 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",89 "amount": 12,90 "date": "2023-03-28",91 "iso_currency_code": "USD",92 "original_description": "McDonalds #3322",93 "pending": false,94 "transaction_id": "dkjL41PnbKsPral79jpxhMWdW55gkPfBkWpRL",95 "unofficial_currency_code": null96 },97 {98 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",99 "amount": 4.33,100 "date": "2023-03-28",101 "iso_currency_code": "USD",102 "original_description": "Starbucks",103 "pending": false,104 "transaction_id": "a84ZxQaWDAtDL3dRgmazT57K7jjN3WFkNWMDy",105 "unofficial_currency_code": null106 },107 {108 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",109 "amount": -500,110 "date": "2023-03-29",111 "iso_currency_code": "USD",112 "original_description": "United Airlines **** REFUND ****",113 "pending": false,114 "transaction_id": "xG9jbv3eMoFWepzB7wQLT3LoLggX5Duy1Gbe5",115 "unofficial_currency_code": null116 }117 ],118 "end_date": "2024-07-31",119 "start_date": "2024-07-01"120 },121 "owners": [122 {123 "addresses": [124 {125 "data": {126 "city": "Malakoff",127 "country": "US",128 "region": "NY",129 "street": "2992 Cameron Road",130 "postal_code": "14236"131 },132 "primary": true133 },134 {135 "data": {136 "city": "San Matias",137 "country": "US",138 "region": "CA",139 "street": "2493 Leisure Lane",140 "postal_code": "93405-2255"141 },142 "primary": false143 }144 ],145 "emails": [146 {147 "data": "accountholder0@example.com",148 "primary": true,149 "type": "primary"150 },151 {152 "data": "accountholder1@example.com",153 "primary": false,154 "type": "secondary"155 },156 {157 "data": "extraordinarily.long.email.username.123456@reallylonghostname.com",158 "primary": false,159 "type": "other"160 }161 ],162 "names": [163 "Alberta Bobbeth Charleson"164 ],165 "phone_numbers": [166 {167 "data": "+1 111-555-3333",168 "primary": false,169 "type": "home"170 },171 {172 "data": "+1 111-555-4444",173 "primary": false,174 "type": "work"175 },176 {177 "data": "+1 111-555-5555",178 "primary": false,179 "type": "mobile"180 }181 ]182 }183 ],184 "ownership_type": null185 }186 ],187 "institution_name": "First Platypus Bank",188 "institution_id": "ins_109508",189 "item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",190 "last_update_time": "2023-03-30T18:25:26Z"191 }192 ]193 },194 "employment_refresh": {195 "generated_time": "2023-03-30T18:27:37Z",196 "days_requested": 60,197 "items": [198 {199 "accounts": [200 {201 "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",202 "name": "Plaid Money Market",203 "official_name": "Plaid Platinum Standard 1.85% Interest Money Market",204 "type": "depository",205 "subtype": "money market",206 "transactions": [207 {208 "account_id": "1qKRXQjk8xUWDJojNwPXTj8gEmR48piqRNye8",209 "original_description": "ACH Electronic CreditGUSTO PAY 123456",210 "date": "2023-03-30",211 "pending": false,212 "transaction_id": "gGQgjoeyqBF89PND6K14Sow1wddZBmtLomJ78"213 }214 ]215 },216 {217 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",218 "name": "Plaid Checking",219 "official_name": "Plaid Gold Standard 0% Interest Checking",220 "type": "depository",221 "subtype": "checking",222 "transactions": [223 {224 "account_id": "eG7pNLjknrFpWvP7Dkbdf3Pq6GVBPKTaQJK5v",225 "original_description": "United Airlines **** REFUND ****",226 "date": "2023-03-29",227 "pending": false,228 "transaction_id": "xG9jbv3eMoFWepzB7wQLT3LoLggX5Duy1Gbe5"229 }230 ]231 }232 ],233 "institution_name": "First Platypus Bank",234 "institution_id": "ins_109508",235 "item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",236 "last_update_time": "2023-03-30T18:25:26Z"237 }238 ]239 }240 },241 "warnings": []242}/cra/monitoring_insights/get
Retrieve a Monitoring Insights Report
This endpoint allows you to retrieve a Monitoring Insights report by passing in the user_token referred to in the webhook you received.
Request fields
client_idstring
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.secretstring
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.user_tokenrequiredstring
The user token associated with the User data is being requested for.
consumer_reportrequiredstring
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_OTHER1try {2 const response = await client.craMonitoringInsightsGet({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 consumer_report_permissible_purpose: 'EXTENSION_OF_CREDIT',5 });6} catch (error) {7 // handle error8}Response fields and example
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
user_insights_idstring
A unique ID identifying a User Monitoring Insights Report. Like all Plaid identifiers, this ID is case sensitive.
items[object]
An array of Monitoring Insights Items associated with the user.
date_generatedstring
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 item_idstring
The
item_id of the Item associated with the insightsinstitution_idstring
The id of the financial institution associated with the Item.
institution_namestring
The full financial institution name associated with the Item.
statusobject
An object with details of the Monitoring Insights Item's status.
status_codestring
Enum for the status of the Item's insights
Possible values:
AVAILABLE, FAILED, PENDINGreasonnullablestring
A reason for why a Monitoring Insights Report is not available.
This field will only be populated when the
status_code is not AVAILABLEinsightsnullableobject
An object representing the Monitoring Insights for the given Item
incomeobject
An object representing the income subcategory of the report
total_monthly_incomeobject
Details about about the total monthly income
baseline_amountnumber
The aggregated income for the 30 days prior to subscription date
current_amountnumber
The aggregated income of the last 30 days
income_sources_countsobject
Details about the number of income sources
baseline_countnumber
The number of income sources detected at the subscription date
current_countnumber
The number of income sources currently detected
forecasted_monthlyobject
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
baseline_amountnumber
The forecasted monthly income at the time of subscription
current_amountnumber
The current forecasted monthly income
historical_annualobject
An object representing the historical annual income amount.
baseline_amountnumber
The historical annual income at the time of subscription
current_amountnumber
The current historical annual income
income_sources[object]
The income sources for this Item. Each entry in the array is a single income source
income_source_idstring
A unique identifier for an income source
income_descriptionstring
The most common name or original description for the underlying income transactions
income_categorystring
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, OTHERlast_transaction_datestring
The last detected transaction date for this income source
Format:
date loansobject
An object representing the loan exposure subcategory of the report
loan_payments_countsobject
Details regarding the number of loan payments
baseline_countnumber
The number of loan payments made in the 30 days before the subscription date
current_countnumber
The current number of loan payments made in the last 30 days
loan_disbursementsnumber
The number of loan disbursements detected in the last 30 days
loan_paymentobject
Details regarding the number of unique loan payment merchants
baseline_countnumber
The number of unique loan payment merchants detected in the 30 days before the subscription date
current_countnumber
The current number of unique loan payment merchants detected in the last 30 days
accounts[object]
Data about each of the accounts open on the Item.
account_idstring
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.balancesobject
Information about an account's balances.
availablenullablenumber
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 currentnullablenumber
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 limitnullablenumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the balance. Always null if
unofficial_currency_code is non-null.unofficial_currencynullablestring
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.last_updated_datetimenullablestring
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 average_balancenullablenumber
The average historical balance for the entire report
Format:
double average_monthly[object]
The average historical balance of each calendar month
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
average_balanceobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.most_recent_thirtynullablenumber
The average historical balance from the most recent 30 days
Format:
double consumer_disputes[object]
The information about previously submitted valid dispute statements by the consumer
consumer_dispute_iddeprecatedstring
(Deprecated) A unique identifier (UUID) of the consumer dispute that can be used for troubleshooting
dispute_field_createstring
Date of the disputed field (e.g. transaction date), in an ISO 8601 format (YYYY-MM-DD)
Format:
date categorystring
Type of data being disputed by the consumer
Possible values:
TRANSACTION, BALANCE, IDENTITY, OTHERstatementstring
Text content of dispute
masknullablestring
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.
metadataobject
Metadata about the extracted account.
start_datenullablestring
The beginning of the range of the financial institution provided data for the account, in ISO 8601 format ("yyyy-mm-dd").
Format:
date namestring
The name of the account, either assigned by the user or by the financial institution itself
official_namenullablestring
The official name of the account as given by the financial institution
typestring
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, othersubtypenullablestring
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 annuitydays_availablenumber
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.
transactions[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.account_idstring
The ID of the account in which this transaction occurred.
amountnumber
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 iso_currency_codenullablestring
The ISO-4217 currency code of the transaction. Always
null if unofficial_currency_code is non-null.unofficial_currencynullablestring
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.original_descriptionnullablestring
The string returned by the financial institution to describe the transaction.
credit_categorynullableobject
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.check_numbernullablestring
The check number of the transaction. This field is only populated for check transactions.
date_transactednullablestring
The date on which the transaction took place, in IS0 8601 format.
locationobject
A representation of where a transaction took place
addressnullablestring
The street address where the transaction occurred.
citynullablestring
The city where the transaction occurred.
regionnullablestring
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
state.postal_codenullablestring
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code where the transaction occurred.
latnullablenumber
The latitude where the transaction occurred.
Format:
double lonnullablenumber
The longitude where the transaction occurred.
Format:
double store_numbernullablestring
The merchant defined store number where the transaction occurred.
merchant_namenullablestring
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.pendingboolean
When
true, identifies the transaction as pending or unsettled. Pending transaction details (name, type, amount, category ID) may change before they are settled.account_ownernullablestring
The name of the account owner. This field is not typically populated and only relevant when dealing with sub-accounts.
transaction_idstring
The unique ID of the transaction. Like all Plaid identifiers, the
transaction_id is case sensitive.owners[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.names[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.phone_numbers[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.
emails[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.
addresses[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.
dataobject
Data about the components comprising an address.
citynullablestring
The full city name
regionnullablestring
The region or state. In API versions 2018-05-22 and earlier, this field is called
state.
Example: "NC"streetstring
The full street address
Example:
"564 Main Street, APT 15"postal_codenullablestring
The postal code. In API versions 2018-05-22 and earlier, this field is called
zip.countrynullablestring
The ISO 3166-1 alpha-2 country code
primaryboolean
When
true, identifies the address as the primary address on an account.ownership_typenullablestring
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, trustaccount_insightsdeprecatedobject
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.
oldest_transactionnullablestring
Date of the earliest transaction for the account.
Format:
date most_recentnullablestring
Date of the most recent transaction for the account.
Format:
date days_availableinteger
Number of days days available for the account.
average_days_betweennumber
Average number of days between sequential transactions
longest_gaps_between[object]
Longest gap between sequential transactions in a time period. This array can include multiple time periods.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date daysnullableinteger
Largest number of days between sequential transactions for this time period.
number_of_inflows[object]
The number of debits into the account. This array will be empty for non-depository accounts.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date countinteger
The number of credits or debits out of the account for this time period.
average_inflow_amounts[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.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date total_amountobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.number_of_outflows[object]
The number of outflows from the account. This array will be empty for non-depository accounts.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date countinteger
The number of credits or debits out of the account for this time period.
average_outflow[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.
start_datestring
The start date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date end_datestring
The end date of this time period.
The date will be returned in an ISO 8601 format (YYYY-MM-DD).
Format:
date total_amountobject
This contains an amount, denominated in the currency specified by either
iso_currency_code or unofficial_currency_codeamountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.number_of_days_nointeger
Number of days with no transactions
attributesobject
Calculated attributes derived from transaction-level data.
is_primary_accountnullableboolean
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.
primary_account_scorenullablenumber
Value ranging from 0-1. The higher the score, the more confident we are of the account being the primary account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the time range for the report in the given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 30 days for a given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 60 days for a given account.
nsf_overdraftinteger
The number of NSF and overdraft fee transactions in the last 90 days for a given account.
total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_inflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.total_outflow_amountnullableobject
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.
amountnumber
Value of amount with up to 2 decimal places.
iso_currency_codenullablestring
The ISO 4217 currency code of the amount or balance.
unofficial_currencynullablestring
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.1{2 "user_insights_id": "028e8404-a013-4a45-ac9e-002482f9cafc",3 "items": [4 {5 "date_generated": "2023-03-30T18:27:37Z",6 "item_id": "AZMP7JrGXgtPd3AQMeg7hwMKgk5E8qU1V5ME7",7 "institution_id": "ins_0",8 "institution_name": "Plaid Bank",9 "status": {10 "status_code": "AVAILABLE"11 },12 "insights": {13 "income": {14 "income_sources": [15 {16 "income_source_id": "f17efbdd-caab-4278-8ece-963511cd3d51",17 "income_description": "“PLAID_INC_DIRECT_DEP_PPD”",18 "income_category": "SALARY",19 "last_transaction_date": "2023-03-30"20 }21 ],22 "forecasted_monthly_income": {23 "baseline_amount": 10000,24 "current_amount": 1200025 },26 "total_monthly_income": {27 "baseline_amount": 10770.93,28 "current_amount": 20000.3129 },30 "historical_annual_income": {31 "baseline_amount": 120000,32 "current_amount": 14400033 },34 "income_sources_counts": {35 "baseline_count": 1,36 "current_count": 137 }38 },39 "loans": {40 "loan_payments_counts": {41 "baseline_count": 1,42 "current_count": 143 },44 "loan_payment_merchants_counts": {45 "baseline_count": 1,46 "current_count": 147 },48 "loan_disbursements_count": 149 }50 }51 }52 ],53 "request_id": "m8MDnv9okwxFNBV"54}/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
client_idstring
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.secretstring
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.user_tokenrequiredstring
The user token associated with the User data is being requested for.
webhookrequiredstring
URL to which Plaid will send Monitoring Insights webhooks, for example when the requested Monitoring Insights is ready.
income_categories[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, OTHER1try {2 const response = await client.craMonitoringInsightsSubscribe({3 user_token: 'user-environment-1234567-abcd-abcd-1234-1234567890ab',4 webhook: 'https://example.com/webhook',5 income_categories: [CreditBankIncomeCategory.Salary],6 });7} catch (error) {8 // handle error9}Response fields and example
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
subscription_idstring
A unique identifier for the subscription.
1{2 "subscription_id": "f17efbdd-caab-4278-8ece-963511cd3d51",3 "request_id": "GVzMdiDd8DDAQK4"4}/cra/monitoring_insights/unsubscribe
Unsubscribe from Monitoring Insights
This endpoint allows you to unsubscribe from previously subscribed Monitoring Insights.
Request fields
client_idstring
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.secretstring
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.subscription_idrequiredstring
A unique identifier for the subscription.
1try {2 const response = await client.craMonitoringInsightsUnsubscribe({3 subscription_id: '"f17efbdd-caab-4278-8ece-963511cd3d51"',4 });5} catch (error) {6 // handle error7}Response fields and example
request_idstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
1{2 "request_id": "GVzMdiDd8DDAQK4"3}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: CHECK_REPORT_READY or CHECK_REPORT: CHECK_REPORT_FAILED webhook.
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
webhook_typestring
CHECK_REPORTwebhook_codestring
CHECK_REPORT_READYuser_idstring
The
user_id corresponding to the user the webhook has fired for.successful_products[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_insightsfailed_products[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_insightsenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CHECK_REPORT",3 "webhook_code": "CHECK_REPORT_READY",4 "user_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",5 "successful_products": [6 "cra_base_report"7 ],8 "environment": "production"9}CHECK_REPORT_FAILED
Fired when a Check Report has failed to generate
Properties
webhook_typestring
CHECK_REPORTwebhook_codestring
CHECK_REPORT_FAILEDuser_idstring
The
user_id corresponding to the user the webhook has fired for.environmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CHECK_REPORT",3 "webhook_code": "CHECK_REPORT_FAILED",4 "user_id": "wz666MBjYWTp2PDzzggYhM6oWWmBb",5 "environment": "production"6}Cash flow updates webhooks
These webhooks are specific to the Cash Flow Updates (beta) product.
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. Upon receiving the webhook, call /cra/monitoring_insights/get to retrieve the updated insights.
Properties
webhook_typestring
CASH_FLOW_UPDATESwebhook_codestring
INSIGHTS_UPDATEDstatusstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDuser_idstring
The
user_id that the report is associated withenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CASH_FLOW_UPDATES",3 "webhook_code": "INSIGHTS_UPDATED",4 "status": "AVAILABLE",5 "user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",6 "environment": "production"7}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
webhook_typestring
CASH_FLOW_UPDATESwebhook_codestring
LARGE_DEPOSIT_DETECTEDstatusstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDuser_idstring
The
user_id that the report is associated withenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CASH_FLOW_UPDATES",3 "webhook_code": "LARGE_DEPOSIT_DETECTED",4 "status": "AVAILABLE",5 "user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",6 "environment": "production"7}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
webhook_typestring
CASH_FLOW_UPDATESwebhook_codestring
LOW_BALANCE_DETECTEDstatusstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDuser_idstring
The
user_id that the report is associated withenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CASH_FLOW_UPDATES",3 "webhook_code": "LOW_BALANCE_DETECTED",4 "status": "AVAILABLE",5 "user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",6 "environment": "production"7}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
webhook_typestring
CASH_FLOW_UPDATESwebhook_codestring
NEW_LOAN_PAYMENT_DETECTEDstatusstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDuser_idstring
The
user_id that the report is associated withenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CASH_FLOW_UPDATES",3 "webhook_code": "NEW_LOAN_PAYMENT_DETECTED",4 "status": "AVAILABLE",5 "user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",6 "environment": "production"7}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
webhook_typestring
CASH_FLOW_UPDATESwebhook_codestring
NSF_OVERDRAFT_DETECTEDstatusstring
Enum for the status of the insights
Possible values:
AVAILABLE, FAILEDuser_idstring
The
user_id that the report is associated withenvironmentstring
The Plaid environment the webhook was sent from
Possible values:
sandbox, production1{2 "webhook_type": "CASH_FLOW_UPDATES",3 "webhook_code": "NSF_OVERDRAFT_DETECTED",4 "status": "AVAILABLE",5 "user_id": "9eaba3c2fdc916bc197f279185b986607dd21682a5b04eab04a5a03e8b3f3334",6 "environment": "production"7}