# Plaid Fintech

> Expert patterns for Plaid API integration including Link token flows, transactions sync, identity…

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. Use when: plaid, bank account linking, bank connection, ach, account aggregation.

- Page: https://ss33.ai/skills/davila7/plaid-fintech-15607753430
- Publisher: davila7
- Category: [Finance & Markets](https://ss33.ai/skills/category/finance-and-markets-gri5ar) › [Payments & crypto](https://ss33.ai/skills/category/finance-and-markets-gri5ar/payments-and-crypto-jvjetm)
- License: MIT
- Source: https://github.com/davila7/claude-code-templates/blob/da2b74e9059820e70ad07ff2d2b5321371ab1709/cli-tool/components/skills/development/plaid-fintech/SKILL.md

## Skill

SKILL.md: https://ss33.ai/api/v1/ss33/download/davila7/plaid-fintech-15607753430

# Plaid Fintech

## 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.


### Transactions Sync

Use /transactions/sync for incremental transaction updates. More efficient
than /transactions/get. Handle webhooks for real-time updates instead of
polling.


### Item Error Handling and Update Mode

Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode.
Listen for PENDING_DISCONNECT webhook to proactively prompt users.


## Anti-Patterns

### ❌ Storing Access Tokens in Plain Text

### ❌ Polling Instead of Webhooks

### ❌ Ignoring Item Errors

## ⚠️ Sharp Edges

| Issue | Severity | Solution |
|-------|----------|----------|
| Issue | critical | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | high | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |
| Issue | medium | See docs |