{"id":"plaid-api","name":"Plaid API","homepage":"https://plaid.com","repo_url":"https://github.com/plaid/plaid-python","category":"payments","subcategories":["bank-connectivity","financial-data","identity-verification"],"tags":["plaid","banking","financial-data","bank-connectivity","ach","identity","transactions","rest-api","sdk"],"what_it_does":"Financial data network connecting apps to bank accounts for transaction retrieval, balance checking, account verification, and ACH payment initiation with OAuth-based bank linking.","use_cases":["Retrieving bank transaction history for personal finance agents","Account balance verification before payment initiation","Income and employment verification for lending workflows","ACH payment initiation and bank account authentication","Identity verification linked to financial accounts"],"not_for":["International bank connectivity outside North America/Europe (limited coverage)","Real-time payment processing without ACH delays","Teams that can't meet Plaid's security and compliance requirements"],"best_when":"An agent needs to access bank account data or initiate ACH payments with user consent in a compliant way.","avoid_when":"You need real-time payment rails, international bank coverage, or can't handle the compliance requirements of financial data.","alternatives":["stripe-api"],"af_score":79.0,"security_score":null,"reliability_score":null,"package_type":"mcp_server","discovery_source":["github"],"priority":"low","status":"evaluated","version_evaluated":"current","last_evaluated":"2026-03-01T09:50:06.082573+00:00","performance":{"latency_p50_ms":500,"latency_p99_ms":3000,"uptime_sla_percent":99.9,"rate_limits":"100 requests/minute default; higher with enterprise plans","data_source":"llm_estimated","measured_on":null}}