# Plaid — Pipedream Connect

> Connect to users' bank accounts.

- API slug: `plaid` (use in MCP headers and tool keys)
- Auth: API key (Pipedream-managed)
- Categories: Commerce
- Website: https://plaid.com/
- This page (HTML): https://pipedream.com/apps/plaid
- Tools: 5 actions · 3 triggers

## Connect via MCP (recommended)

- Endpoint: `https://remote.mcp.pipedream.net/v3`
- Headers: `Authorization: Bearer <token>` · `x-pd-project-id` · `x-pd-environment` · `x-pd-external-user-id` · `x-pd-app-slug: plaid`

```ts
import { Client } from "@modelcontextprotocol/sdk/client/index.js"
import { StreamableHTTPClientTransport } from "@modelcontextprotocol/sdk/client/streamableHttp.js"
import { PipedreamClient } from "@pipedream/sdk"

const pd = new PipedreamClient({
  projectId: process.env.PIPEDREAM_PROJECT_ID!,
  clientId: process.env.PIPEDREAM_CLIENT_ID!,
  clientSecret: process.env.PIPEDREAM_CLIENT_SECRET!,
  projectEnvironment: "production",
})

const accessToken = await pd.rawAccessToken

const transport = new StreamableHTTPClientTransport(
  new URL("https://remote.mcp.pipedream.net/v3"),
  {
    requestInit: {
      headers: {
        Authorization: `Bearer ${accessToken}`,
        "x-pd-project-id": process.env.PIPEDREAM_PROJECT_ID!,
        "x-pd-environment": "production",
        "x-pd-external-user-id": "{external_user_id}", // any stable ID for this user in your system
        "x-pd-app-slug": "plaid",
      },
    },
  },
)

const mcp = new Client({ name: "my-agent", version: "1.0.0" })
await mcp.connect(transport)

const { tools } = await mcp.listTools()

// e.g. run Create Access Token:
const result = await mcp.callTool({
  name: "plaid-create-access-token",
  arguments: {
    publicToken: "Public Token",
  },
})
```

Docs: [MCP guide](https://pipedream.com/docs/connect/mcp/developers.md)

## SDK

```ts
import { PipedreamClient } from "@pipedream/sdk"

const pd = new PipedreamClient({
  projectId: process.env.PIPEDREAM_PROJECT_ID!,
  clientId: process.env.PIPEDREAM_CLIENT_ID!,
  clientSecret: process.env.PIPEDREAM_CLIENT_SECRET!,
  projectEnvironment: "production",
})

const result = await pd.actions.run({
  id: "plaid-create-access-token",
  externalUserId: "{external_user_id}", // any stable ID for this user in your system
  configuredProps: {
    plaid: { authProvisionId: "apn_xxxxxxx" },
    publicToken: "Public Token",
  },
})
```

Docs: [Managed auth guide](https://pipedream.com/docs/connect/managed-auth/quickstart.md) · [Tools guide](https://pipedream.com/docs/connect/components.md)

## Actions (5)

### `plaid-create-access-token` — Create Access Token (Write)

Exchange a Link public_token for an API access_token. See the documentation.

Full schema: https://pipedream.com/apps/plaid/actions/create-access-token.md

### `plaid-create-sandbox-public-token` — Create Sandbox Public Token (Write)

Creates a valid public_token for an arbitrary institution ID, initial products, and test credentials. See the documentation.

Full schema: https://pipedream.com/apps/plaid/actions/create-sandbox-public-token.md

### `plaid-create-user` — Create User (Write)

Creates a user ID and token to be used with Plaid Check, Income, or Multi-Item Link flow. See the documentation.

Full schema: https://pipedream.com/apps/plaid/actions/create-user.md

### `plaid-get-real-time-balance` — Get Real-Time Balance (Read-only)

Get the real-time balance for each of an Item's accounts. See the documentation.

Full schema: https://pipedream.com/apps/plaid/actions/get-real-time-balance.md

### `plaid-get-transactions` — Get Transactions (Read-only)

Retrieves user-authorized transaction data for a specified date range. See the documentation

Full schema: https://pipedream.com/apps/plaid/actions/get-transactions.md

## Triggers (3)

### `plaid-new-accounts-available-instant` — New Accounts Available (Instant) (Instant)

Emit new event when there are new accounts available at the Financial Institution. See the documentation.

Full schema: https://pipedream.com/apps/plaid/triggers/new-accounts-available-instant.md

### `plaid-new-event-instant` — New Event (Instant) (Instant)

Emit new event when there are changes to Plaid Items or the status of asynchronous processes. See the documentation.

Full schema: https://pipedream.com/apps/plaid/triggers/new-event-instant.md

### `plaid-sync-updates-available-instant` — Sync Updates Available (Instant) (Instant)

Emit new event when there are new updates available for a connected account. See the documentation.

Full schema: https://pipedream.com/apps/plaid/triggers/sync-updates-available-instant.md

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- All apps: https://pipedream.com/apps — index: https://pipedream.com/llms.txt
- Pipedream docs for agents: https://pipedream.com/docs/llms.txt