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Plaid connects to users’ bank accounts for ACH payments, balance checks, and transaction history.
Full walkthrough being written. Plaid Link is the standard client-side flow.

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Common uses

  • ACH payment collection (cheaper than card).
  • Identity verification via bank account ownership.
  • Transaction-based personal finance apps.

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Setup

PLAID_CLIENT_ID and PLAID_SECRET in vly secrets. Use Plaid Link on the client; receive public_token; exchange server-side for an access_token.

Stripe

For card payments.

Expense tracker recipe

Where Plaid shines.

OAuth login

Adjacent OAuth pattern.
Last modified on April 18, 2026