Reference
Plaid products explained for WordPress sites
Every current Plaid product in plain English: what it does, how Plaid bills it, its region, and the WordPress, WooCommerce or MemberPress use it fits.
Last updated by the PluginLoom team
Plaid sells a set of separate products, and you only pay for the ones you use. This page lists each current Plaid product, what it does, how Plaid bills it and where it fits on a WordPress site, based on Plaid's docs home (opens in a new tab) and billing docs (opens in a new tab).
Which products move money or prepare a payment?#
These are the products most stores and membership sites need.
| Product | What it does | Billing model | Region | WordPress fit |
|---|---|---|---|---|
| Link | The login window users connect through | Not a billed product on its own | All | Every connection starts here |
| Auth | Returns account and routing numbers for ACH, wire and other bank transfers | One-time fee per Item | US, Canada, UK, Europe | WooCommerce or MemberPress bank payments through a processor |
| Balance | Real-time current and available balance | Per request | Varies | Check funds before a debit |
| Identity | Owner name, email, phone and address from the bank; Identity Match scores | One-time (Identity); per request (Match) | Varies | Confirm the buyer owns the account |
| Signal Transaction Scores | Scores the chance an ACH debit is returned | Per request | US ACH only | Approve, hold or reject bank payments |
| Transfer | Moves money over ACH, Same Day ACH, RTP, RfP, FedNow and wire, with recurring transfers and refunds | Auth fee, Signal fee and per transfer fee | US only | Checkout, renewals, refunds |
| Investments Move | Verified data for ACATS or ATON brokerage transfers | Per request | Varies | Brokerage account funding |
| Payments (Europe) | One-time payments, recurring payments and payouts in Europe | Per successful payment | Europe | European stores |
Which products provide financial data?#
| Product | What it does | Billing model | WordPress fit |
|---|---|---|---|
| Transactions | Transaction history, 90 days by default and up to 730 days | Monthly subscription per Item | Budgeting or advisory member areas |
| Investments | Holdings and investment transactions | Monthly subscription per Item | Financial planning tools |
| Liabilities | Credit card, loan and line of credit data | Monthly subscription per Item | Debt or refinancing tools |
| Enrich | Adds detail to transaction data you already have | Per request, by volume | Data products |
Which products check identity and fraud?#
| Product | What it does | Billing model | WordPress fit |
|---|---|---|---|
| Identity Verification | ID document, selfie, data source and risk checks for KYC | Per check event | Sign up checks for regulated services |
| Monitor | Sanctions, PEP and watchlist screening with Identity Verification | Base fee plus monthly rescans | AML screening |
| Protect | Fraud prevention across the user lifecycle | Not listed in the billing docs | Ask Plaid |
| Layer | Onboard eligible US users with a phone number | Per converted session | Faster sign up |
Which products support lending and underwriting?#
| Product | What it does | Billing model |
|---|---|---|
| Assets | Financial information for loan underwriting | Per request, by Items and days of history |
| Statements | PDF statements straight from the bank | Per Item, by statements found |
| Income | Income and employment verification | One-time fee |
| Consumer Report (by Plaid Check) | Credit risk insights from cash flow data | Bundle or per endpoint |
Do some products need extra approval?#
Yes. Plaid says Transfer needs an approved Transfer Application before it goes live (Transfer docs (opens in a new tab)). Layer access starts with a request to Plaid's sales team (Layer docs (opens in a new tab)). Identity Verification needs a template built in the Plaid Dashboard, and Plaid says your company must be based in the US, Canada or the UK to integrate it (Identity Verification docs (opens in a new tab)).
How do I keep Plaid costs down?#
- Request only the products you use when Link opens.
- Use
/item/removewhen a user disconnects or leaves. Plaid says this is required to stop subscription billing for Transactions, Liabilities and Investments, which continue even if you make no API calls. - Use the free cached balance in
/accounts/getwhere real-time data is not needed. Plaid says cached balances update about once a day for Items with Transactions, and every 30 days or less often for Auth-only Items (Balance docs (opens in a new tab)).
Plaid does not publish prices. See the Plaid pricing guide.
Sources#
Checked October 23, 2026.
- Plaid, Docs home (opens in a new tab)
- Plaid, Billing (opens in a new tab)
- Plaid, Auth (opens in a new tab), Balance (opens in a new tab), Identity (opens in a new tab), Signal (opens in a new tab), Transfer (opens in a new tab), Transactions (opens in a new tab), Identity Verification (opens in a new tab), Layer (opens in a new tab)
Plaid is a trademark of Plaid Inc. BankBridge is an independent plugin and is not affiliated with or endorsed by Plaid.
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