Plaid

Category: fintech

3 changes tracked

Monitored sources:

changelog · every 6h

SDK packages:

plaidplaid-pythonplaidgithub.com/plaid/plaid-gocom.plaid:plaid-java

Last polled: 9/12/2026, 6:00:02 AM

Change History

new_featuremedium82% confidence

Plaid's September 2026 changelog introduces numerous new endpoints, features, and deprecations across multiple products including CRA Servicing (replacing Cash Flow Updates), new Income User APIs, Identity Verification enhancements, and Signal/Investments/Transactions updates. Notable breaking-adjacent changes include Chase consent expiration behavior and the upcoming enforcement of required product declarations in /link/token/create for Plaid Check.

Migration: Review the following high-priority items: (1) Migrate from Cash Flow Updates to CRA Servicing before August 20, 2027; (2) Ensure Plaid Check products are declared in products[] during /link/token/create by July 2026 (new customers) or September 2026 (existing); (3) Integrate update mode to handle Chase TAN/consent expiration (earliest February 2027); (4) Remove references to deprecated investment subtypes (fund fee, loan payment, rebalance); (5) Signal now requires explicit end-user consent — handle ADDITIONAL_CONSENT_REQUIRED errors.
endpoint:/cra/servicing/subscription/createendpoint:/cra/servicing/subscription/getendpoint:/cra/servicing/subscription/listendpoint:/cra/servicing/subscription/updateendpoint:/cra/servicing/subscription/deleteendpoint:/cra/report/getendpoint:/cra/check_report/verification/pdf/getendpoint:/link/token/createendpoint:/signal/evaluateendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executeendpoint:/sandbox/user/fire_webhookendpoint:/user/items/associateendpoint:/identity_verification/createmodel:InvestmentTransaction subtype (fund fee, loan payment, rebalance, stock distribution)model:CraPartnerInsightsBaseFicoScore.reason_code_1-4model:CraPartnerInsightsUltraFicoScore.positive_reason_code_1-4model:PrismInsights.versionparam:consumer_report_permissible_purposeparam:client_user_idparam:hide_gse_detailsparam:merchant_category_codeparam:apymodel:CRA_REPORT_UPDATED webhookmodel:Cash Flow Updates (deprecated)

9/12/2026

Effective: 9/3/2026

new_featuremedium82% confidence

Plaid's August 12–17, 2026 changelog introduces multiple new API endpoints, fields, and SDK releases, including new endpoints like /sandbox/user/fire_webhook and /user/items/associate, new fields such as apy on accounts and merchant_category_code on transactions, and various Link SDK updates across iOS, Android, and React Native. Additionally, several behavioral and deprecation changes are included, such as the deferred omission of limited-purpose checking accounts in Link (now October 6, 2026) and deprecation of PlaidLinkView on iOS.

Migration: Review new endpoints (/sandbox/user/fire_webhook, /user/items/associate) and new fields (apy, merchant_category_code) for integration opportunities. If using iOS SDK, migrate away from deprecated PlaidLinkView/PlaidLinkUIViewControllerRepresentable to PlaidLinkSheet. Note the extended deadline (October 6, 2026) for limited-purpose checking account omission from Link.
endpoint:/sandbox/user/fire_webhookendpoint:/user/items/associateparam:apyparam:merchant_category_codemodel:PlaidLinkView (deprecated)model:PlaidLinkUIViewControllerRepresentable (deprecated)endpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/execute

9/4/2026

Effective: 8/12/2026

new_featuremedium82% confidence

Plaid's August 12, 2026 changelog introduces multiple new features including APY data on accounts, new sandbox/user endpoints, new investment subtypes, MCC support in Transactions, and various SDK releases. Earlier entries include breaking behavioral changes such as Signal consent enforcement, Bank of America API migration requirements, and deprecations across several products.

Migration: Review the Signal consent enforcement change (June 16, 2026) requiring end-user consent before calling /signal/evaluate; review Bank of America API migration timeline (mid-March to late October 2026); note the Plaid Check Consumer Report product request enforcement (July/September 2026); update iOS SDK to v7.x and React Native SDK to v13.x per migration guides.
endpoint:/sandbox/user/fire_webhookendpoint:/user/items/associateendpoint:/payment_initiation/payment/createendpoint:/payment_initiation/consent/createendpoint:/wallet/transaction/executeendpoint:/signal/evaluateendpoint:/link/token/createendpoint:/cra/check_report/verification/pdf/getendpoint:/cra/check_report/income_insights/getendpoint:/transfer/authorization/createendpoint:/user/products/terminateendpoint:/user/items/removeendpoint:/sandbox/user/reset_loginendpoint:/auth/verifyendpoint:/identity_verification/createendpoint:/credit/payroll_income/getparam:apyparam:merchant_category_codeparam:user_idparam:hide_gse_detailsparam:consumer_report_permissible_purposeparam:ADDITIONAL_CONSENT_REQUIREDmodel:WalletTransactionmodel:TransferAuthorizationmodel:CraPartnerInsightsBaseFicoScoremodel:PrismInsights

8/18/2026

Effective: 8/12/2026

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