Plaid Fintech

Expert patterns for Plaid API integration including Link token flows, transactions sync, identity verification, Auth for ACH, balance checks, webhook handling, and fintech compliance best practices.

Patterns

Link Token Creation and Exchange

Create a link_token for Plaid Link, exchange public_token for access_token. Link tokens are short-lived, one-time use. Access tokens don't expire but may need updating when users change passwords.

// server.ts - Link token creation endpoint import { Configuration, PlaidApi, PlaidEnvironments, Products, CountryCode } from 'plaid';

const configuration = new Configuration({ basePath: PlaidEnvironments[process.env.PLAID_ENV || 'sandbox'],