{"registry_version":"2026.1025.387","generated_at":"2026-10-25T06:27:00Z","content_sha256":"089d16f627d9365e3d0663cc8069203706d7cb23a76c332226e29686968811a5","signed":true,"signature":{"key_id":"ed25519:74ca19268e364242","algorithm":"ed25519","expires_at":"2026-11-24T06:27:09Z","expired":false,"manifest":"/registry/manifest.json"},"entry_sha256":"8c8a47ee2c2bc5385166c980ee2b1f4eea049ac0f71e1493671766ae1cb3d24a","entry":{"id":"plaid/production-access","name":"Plaid Dashboard, keys and Production access","vendor":"Plaid","summary":"Create a Plaid Dashboard team, get the client_id and Sandbox secret, then move to real data with a free Trial plan (10 Production Items, US/Canada) or a paid plan after Plaid's use-case review, and complete the compliance-center registration that OAuth banks such as Chase, PNC and Schwab require.","aliases":["plaid","plaid-link","plaid-api"],"category":"payments","group":"B","homepage":"https://plaid.com/","docs":["https://plaid.com/docs/quickstart/","https://plaid.com/docs/account/billing/","https://plaid.com/docs/link/oauth/","https://plaid.com/docs/launch-checklist/"],"status":"researched","last_verified":null,"last_researched":"2026-10-25","sources":[{"id":"quickstart","url":"https://plaid.com/docs/quickstart/","title":"Plaid Quickstart","accessed":"2026-10-25","supports":"API keys live in the Dashboard's Keys section - client_id is a private identifier for your team, and there is one secret per environment (Sandbox and Production).","kind":"official"},{"id":"billing","url":"https://plaid.com/docs/account/billing/","title":"Plaid account - Billing and pricing plans","accessed":"2026-10-25","supports":"Four plans - Trial (free, 10 Production Items, new US/Canada teams created on or after 15 April 2026, apply at dashboard.plaid.com/trial-plan after verifying email), Pay-as-you-go (no minimum), Growth (minimum spend and annual commitment), Custom (higher minimums); EU/UK customers or end users get Custom plans only; removing Trial Items does not free slots; Sandbox is always free; pricing appears in the Production access request flow.","kind":"official"},{"id":"oauth","url":"https://plaid.com/docs/link/oauth/","title":"Plaid Link - OAuth guide","accessed":"2026-10-25","supports":"Production access (paid or trial) is a prerequisite for OAuth; compliance-center requirements - application display information, company information, MSA (US/CA) and security questionnaire (US/CA); access to most institutions within hours of completing requirements; Fidelity and Charles Schwab may take longer, Schwab up to 5 business days; Chase needs the security questionnaire and PNC the latest MSA unless on a Trial plan.","kind":"official"},{"id":"institution-errors","url":"https://plaid.com/docs/errors/institution/","title":"Plaid errors - Institution errors","accessed":"2026-10-25","supports":"INSTITUTION_REGISTRATION_REQUIRED - after Production or Trial is enabled it may take up to 1-2 days to get access to certain institutions; incomplete security questionnaire is a common cause.","kind":"official"},{"id":"launch-checklist","url":"https://plaid.com/docs/launch-checklist/","title":"Plaid Launch in Production checklist","accessed":"2026-10-25","supports":"The Launch Checklist has been replaced by the Dashboard Launch Center; recommended pre-launch work (webhooks, update mode, logging identifiers).","kind":"official"},{"id":"developer-policy","url":"https://plaid.com/legal/#developer-policy","title":"Plaid Developer Policy (effective 19 April 2026)","accessed":"2026-10-25","supports":"True and accurate registration information; violations may lead to suspension or termination of access to the Services and End User Data; prohibited conduct includes selling End User Data and storing bank credentials beyond what is needed; Plaid may deactivate accounts unused for three months.","kind":"official"},{"id":"support-production","url":"https://support.plaid.com/hc/en-us/articles/16110110883479","title":"Plaid Support - production access approval (article 16110110883479)","accessed":"2026-10-25","supports":"Production approval said to take a couple of business days and to need company and API-use information (seen only via search snippet; the page blocks automated fetches). [to verify]","kind":"official"},{"id":"support-add-products","url":"https://support.plaid.com/hc/en-us/articles/16186552926743-How-do-I-add-new-Plaid-products","title":"Plaid Support - How do I add new Plaid products?","accessed":"2026-10-25","supports":"New products are requested from the Dashboard with a use-case description reviewed by Plaid's Risk team (seen only via search snippet). [to verify]","kind":"official"}],"allowed_domains":["plaid.com"],"account_model":{"summary":"A Plaid Dashboard team owns one client_id and one secret per environment. Plans (Trial, Pay-as-you-go, Growth, Custom) and approved products are set at team level; OAuth institution access depends on the team's compliance center registration.","accounts":[{"name":"Plaid Dashboard user","kind":"personal","owned_by":"the person","required":true},{"name":"Plaid team","kind":"organisation","owned_by":"the company","parent":"Plaid Dashboard user","required":true,"note":"Holds the client_id, secrets, plan, products and compliance profile; other people join as Authorized Users."}],"notes":["Sandbox is free and uses test credentials; Production needs a Trial or paid plan.","Trial plans are only for new US/Canada teams created on or after 15 April 2026 and cap at 10 Production Items for good.","EU/UK businesses, or anyone serving EU/UK end users, can only use Custom plans via Plaid sales."]},"have_ready":[{"kind":"domain_email","description":"A work email address to create and verify the Dashboard account","needed_for":["dashboard-account"],"auto_check":"domain_email_mx","source":"billing"},{"kind":"company_documents","description":"Company legal name, address, website and a clear description of how you will use bank data (use case)","why":"Plaid asks for company and API-use information before approving Production, and registration information must be true and accurate.","needed_for":["request-production","compliance-center"],"auto_check":"name_consistency","source":"developer-policy"},{"kind":"live_website","description":"Public website and app name, logo and description for the application display profile end users see in OAuth flows","why":"Some US banks will not allow apps with an empty display profile.","needed_for":["compliance-center"],"auto_check":"website_live","source":"oauth"},{"kind":"app_privacy_policy_url","description":"A privacy policy covering how you use end users' financial data","why":"Plaid requires use of End User Data in compliance with privacy laws and end-user agreements. [to verify whether a URL is asked for in the profile]","needed_for":["compliance-center"],"auto_check":"none","source":"developer-policy"},{"kind":"other","description":"Answers on your company's risk and security practices (security questionnaire, US/CA)","why":"Required before accessing certain bank APIs, including Chase on paid plans; Plaid advises submitting early.","needed_for":["compliance-center"],"auto_check":"none","source":"oauth"},{"kind":"payment_card","description":"Payment method for Pay-as-you-go billing (not needed on Trial)","needed_for":["request-production"],"auto_check":"none","source":"billing"}],"steps":[{"id":"dashboard-account","title":"Create a Plaid Dashboard account and verify email","summary":"Sign up at dashboard.plaid.com yourself and verify your email. This creates your team.","route":"guided","depends_on":[],"gate":"human_terms","url":"https://dashboard.plaid.com/signup","sources":["billing"]},{"id":"sandbox-keys","title":"Copy the client_id and Sandbox secret","summary":"Open the Keys section of the Dashboard and copy the client_id and the Sandbox secret. verapli captures them by selector.","route":"copilot","depends_on":["dashboard-account"],"gate":"none","url":"https://dashboard.plaid.com/developers/keys","capture":{"env":"PLAID_SECRET","kind":"secret"},"sources":["quickstart"]},{"id":"trial-plan","title":"Apply for the free Trial plan (US/Canada, optional)","summary":"New US/Canada teams can apply for a Trial plan from the Dashboard homepage to use real data with up to 10 Production Items. Removing Items does not free slots, so keep access tokens.","route":"guided","depends_on":["dashboard-account"],"gate":"human_submit","url":"https://dashboard.plaid.com/trial-plan","optional":true,"sources":["billing"]},{"id":"request-production","title":"Request Production access on a paid plan","summary":"Fill in the Production access request (company details, use case, products) and review the Pay-as-you-go or Growth pricing shown on the last page before you submit. Plaid reviews the request.","route":"guided","depends_on":["dashboard-account"],"gate":"third_party_review","url":"https://dashboard.plaid.com/overview","lead_time":{"official":{"text":"Plaid support says Production approval takes a couple of business days. [to verify - seen via search snippet only]","source":"support-production"}},"recovery":[{"hiccup":"You are based in, or serve end users in, the EU or UK and the self-serve plans are not offered.","fix":"Only Custom plans are offered there; contact Plaid sales.","source":"billing"},{"hiccup":"A product you need (e.g. Transfer, Payment Initiation, most Plaid Check products) is not available on your plan.","fix":"These are Custom-plan only; contact sales.","source":"billing"}]},{"id":"compliance-center","title":"Complete the compliance center (display profile, company info, MSA, security questionnaire)","summary":"Fill in the application display information (public), company information (seen by Plaid and banks), confirm the MSA (US/CA) and submit the security questionnaire (US/CA). Trial plans may skip these until upgrading.","route":"guided","depends_on":["request-production"],"gate":"human_submit","url":"https://dashboard.plaid.com/settings/compliance/us-oauth-institutions","lead_time":{"official":{"text":"Access to most OAuth institutions arrives within hours of completing registration; Fidelity and Charles Schwab may take longer, Schwab up to 5 business days from Production approval; some institutions may take up to 1-2 days after Production is enabled.","source":"oauth"}},"recovery":[{"hiccup":"INSTITUTION_REGISTRATION_REQUIRED when linking a bank.","code":"INSTITUTION_REGISTRATION_REQUIRED","fix":"Wait up to 1-2 days after Production is enabled, and make sure the security questionnaire and display profile are complete.","source":"institution-errors"},{"hiccup":"Chase is not available in Production.","fix":"Complete the security questionnaire (required unless on a Trial plan).","source":"oauth"},{"hiccup":"PNC is not available in Production.","fix":"Make sure the latest Plaid MSA is in place; contact your account manager or support if marked incomplete.","source":"oauth"}]},{"id":"production-secret","title":"Copy the Production secret","summary":"After Production is enabled, copy the Production secret from the Keys page. Same client_id, different secret.","route":"copilot","depends_on":["request-production"],"gate":"none","url":"https://dashboard.plaid.com/developers/keys","capture":{"env":"PLAID_PRODUCTION_SECRET","kind":"secret"},"sources":["quickstart"]}],"outputs":[{"name":"PLAID_CLIENT_ID","description":"Plaid team client_id (private identifier, same for all environments)","secret":true,"from_step":"sandbox-keys"},{"name":"PLAID_SECRET","description":"Sandbox secret","secret":true,"environments":["development","test"],"from_step":"sandbox-keys"},{"name":"PLAID_PRODUCTION_SECRET","description":"Production secret","secret":true,"environments":["production"],"from_step":"production-secret"},{"name":"PLAID_ENV","description":"Environment name to call (sandbox or production)","secret":false,"example_format":"sandbox"}],"terms_notes":[{"kind":"rules_say","severity":"red","title":"Data misuse ends access","text":"Breaking the Developer Policy can get your access to Plaid and to end-user data suspended or terminated. Selling or renting end-user data, or storing bank credentials beyond what is needed, is prohibited.","source":"developer-policy"},{"kind":"rules_say","severity":"amber","title":"Accurate registration","text":"You must give true, accurate and complete information about yourself and your use case, and keep it up to date.","source":"developer-policy"},{"kind":"rules_say","severity":"amber","title":"Trial Items are a hard cap","text":"The Trial plan allows 10 Production Items in total; removing Items does not give slots back, and subscription products added on Trial start billing when you upgrade.","source":"billing"},{"kind":"rules_say","severity":"yellow","text":"Plaid may deactivate an account that has not used the Services for three months.","source":"developer-policy"}],"pricing_notes":{"free_tier":"Sandbox is always free; Trial plan gives free real-data access for 10 Production Items (new US/Canada teams).","costs":"Pay-as-you-go has no minimum; Growth and Custom have minimum spend and annual commitments. Per-product prices are shown in the Production request flow or by sales, not published.","source":"billing"},"stripe_projects":false,"api_provisioning":{"available":"no","notes":"Team creation, plan selection, Production requests and compliance registration are Dashboard-only. The API (Link tokens, Items) is used once keys exist.","source":"quickstart"},"detect":{"env_names":["PLAID_CLIENT_ID","PLAID_SECRET","PLAID_ENV"],"packages":["plaid","react-plaid-link"]}}}