{"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"},"id":"plaid/production-access","name":"Plaid Dashboard, keys and Production access","vendor":"Plaid","status":"researched","last_verified":null,"last_researched":"2026-10-25","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.","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."]},"prerequisites":[],"identity_requires":[],"have_ready":[{"kind":"domain_email","description":"A work email address to create and verify the Dashboard account","why":null,"needed_for":["dashboard-account"],"auto_check":"domain_email_mx","source_url":"https://plaid.com/docs/account/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_url":"https://plaid.com/legal/#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_url":"https://plaid.com/docs/link/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_url":"https://plaid.com/legal/#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_url":"https://plaid.com/docs/link/oauth/"},{"kind":"payment_card","description":"Payment method for Pay-as-you-go billing (not needed on Trial)","why":null,"needed_for":["request-production"],"auto_check":"none","source_url":"https://plaid.com/docs/account/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","gate":"human_terms","human_only":true,"gate_label":"You accept the terms","depends_on":[],"optional":false,"url":"https://dashboard.plaid.com/signup","lead_time":null,"preflight":[],"captures":null},{"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","gate":"none","human_only":false,"gate_label":null,"depends_on":["dashboard-account"],"optional":false,"url":"https://dashboard.plaid.com/developers/keys","lead_time":null,"preflight":[],"captures":"PLAID_SECRET"},{"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","gate":"human_submit","human_only":true,"gate_label":"You press submit","depends_on":["dashboard-account"],"optional":true,"url":"https://dashboard.plaid.com/trial-plan","lead_time":null,"preflight":[],"captures":null},{"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","gate":"third_party_review","human_only":true,"gate_label":"The provider reviews it","depends_on":["dashboard-account"],"optional":false,"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_url":"https://support.plaid.com/hc/en-us/articles/16110110883479","source_title":"Plaid Support - production access approval (article 16110110883479)"},"reported":null,"typical_minutes":null},"preflight":[],"captures":null},{"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","gate":"human_submit","human_only":true,"gate_label":"You press submit","depends_on":["request-production"],"optional":false,"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_url":"https://plaid.com/docs/link/oauth/","source_title":"Plaid Link - OAuth guide"},"reported":null,"typical_minutes":null},"preflight":[],"captures":null},{"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","gate":"none","human_only":false,"gate_label":null,"depends_on":["request-production"],"optional":false,"url":"https://dashboard.plaid.com/developers/keys","lead_time":null,"preflight":[],"captures":"PLAID_PRODUCTION_SECRET"}],"gates":[{"step":"dashboard-account","gate":"human_terms","label":"You accept the terms"},{"step":"trial-plan","gate":"human_submit","label":"You press submit"},{"step":"request-production","gate":"third_party_review","label":"The provider reviews it"},{"step":"compliance-center","gate":"human_submit","label":"You press submit"}],"lead_times":[{"step":"request-production","what":"Request Production access on a paid plan","official":{"text":"Plaid support says Production approval takes a couple of business days. [to verify - seen via search snippet only]","source_url":"https://support.plaid.com/hc/en-us/articles/16110110883479","source_title":"Plaid Support - production access approval (article 16110110883479)"},"reported":null},{"step":"compliance-center","what":"Complete the compliance center (display profile, company info, MSA, security questionnaire)","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_url":"https://plaid.com/docs/link/oauth/","source_title":"Plaid Link - OAuth guide"},"reported":null}],"outputs":[{"name":"PLAID_CLIENT_ID","description":"Plaid team client_id (private identifier, same for all environments)","secret":true,"example_format":null,"environments":null},{"name":"PLAID_SECRET","description":"Sandbox secret","secret":true,"example_format":null,"environments":["development","test"]},{"name":"PLAID_PRODUCTION_SECRET","description":"Production secret","secret":true,"example_format":null,"environments":["production"]},{"name":"PLAID_ENV","description":"Environment name to call (sandbox or production)","secret":false,"example_format":"sandbox","environments":null}],"renewals":[],"estimated_minutes":null,"guide_url":"https://verapli.com/guides/plaid/production-access"}