Plaid & Banking Integrations
Connect your app to the financial system. We build secure, reliable Plaid API integrations for seamless bank verification and transaction tracking.
Connecting to customer bank accounts looks straightforward until it meets production. Institutions behave inconsistently, connections expire, multi-factor prompts interrupt flows, and the transaction data that arrives needs substantial normalisation before it is usable for anything.
Impact
Failed or expired connections drop users out of onboarding at the point of highest intent. Support absorbs the resulting tickets. And engineering time goes into edge-case handling that was scoped as a straightforward integration.
We build production bank-data integrations that handle the failure modes properly: connection lifecycle management, re-authentication flows that recover users rather than losing them, transaction normalisation, and monitoring so degraded institution connections are noticed before customers report them.
Technical Approach
Built against the Plaid API with webhook handling for connection state and transaction updates, rather than polling. Access tokens are stored encrypted with proper rotation, and downstream payment execution runs through Stripe ACH, Dwolla, or your existing processor. Institution-level error handling is explicit, because failure modes differ meaningfully between banks.
A basic integration works in testing and then generates support tickets in production as connections expire, institutions change behaviour, and users abandon at re-authentication.
Connection health is monitored, users are guided through re-authentication before access lapses, transaction data arrives normalised, and institution-specific failures are handled rather than surfacing as generic errors.
Strict adherence to global data privacy laws. We never train public AI models on your proprietary data.
Architecture designed to meet rigorous healthcare and enterprise security compliance standards natively.
Scalable cloud-native deployments via AWS and Vercel Edge networks ensuring 99.99% uptime.
Everything you need to know about our Plaid & Banking Integrations process.
Plaid primarily reads data (balances, transactions, identity verification). However, we frequently integrate Plaid with Stripe ACH or Dwolla to actually facilitate the transfer of funds securely.
Users occasionally change bank passwords, breaking the connection. We build automated webhook listeners that detect this and immediately trigger an email or in-app notification asking the user to re-authenticate.
Many teams do, and the initial integration genuinely is straightforward. The work that consumes time is everything after: connection expiry, institution-specific quirks, re-authentication that does not lose the user, webhook reliability, and transaction categorisation that is accurate enough to act on. If your team has bandwidth for that, doing it in-house is reasonable. Most early-stage teams would rather spend it on their product.
By treating re-authentication as a designed flow rather than an error state. Webhooks signal when a connection needs attention, and users are prompted in context, before functionality visibly breaks. Handled badly this is a major source of churn — the user discovers something is broken and concludes the product is unreliable.
Provider categorisation is a reasonable starting point but rarely sufficient on its own for financial decisioning. Merchant names are inconsistent and category assignment is imperfect. Where categorisation drives lending or risk decisions, we add normalisation and domain-specific rules on top rather than trusting raw output, and we validate against a real sample of your users' data.
Bank data carries strict consent obligations that vary by jurisdiction. Users must understand what is being accessed and be able to revoke it, and revocation has to actually propagate rather than merely hiding the connection in your interface. We build consent and revocation as first-class features, since retrofitting them after a compliance review is considerably more expensive.
Let's integrate your banking infrastructure.
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