Plaid Core Exchange
Service ID: plaid-exchange
Plaid Core Exchange delivers bank-feed accounts, statements and account holder contact data to Plaid-powered apps through Apideck's FDX data provider, fdx-connect.
Beta — this connector is in beta. Functionality and resource coverage may change.
At a Glance
- Difficulty
- ⚠️INVOLVEDInvitation-only Plaid data partner onboarding, plus a customer login page the application owner must host and build
- Authentication
- CustomApideck mints an ingest key for each connection; not OAuth.
- Webhooks
- No webhooks — neither native nor virtual.
- Partnership Required
- Yes(Invitation-only onboarding lists your brand as a Plaid institution, with Dashboard tooling and dedicated support; Apideck and Plaid are finalising the terms.)
- Apideck Credentials
- Not available(No vendor app credentials are involved in this connector.)
- Costs
- Plaid describes Core Exchange as free for data providers.
- Sandbox Availability
- Not available(Plaid has no sandbox for this flow. Test with a dedicated connection.)
- Account Type Required
- An Apideck account with the application configured; no Plaid account is needed to ingest data.
- Consumer Access Level
- None; the consumer grants nothing to a vendor, and Apideck provisions the connection.
- Rate Limits
- Plaid publishes no numeric limit for Core Exchange; you write to Apideck's ingest API, and Plaid reads from Apideck, not from you.
Responsibility matrix
| Task | You (Customer) | Your Consumer | Apideck |
|---|---|---|---|
| Plaid Onboarding (Invitation Only) | ✓ | — | Data provider to Plaid |
| Host Customer Login Page (Login URL + JWKS URL) | ✓ | — | Guide provided |
| Enable Connection | ✓ (if created via Vault API) | ✓ (if enabled in Vault) | Provisions tenant and ingest key |
| Write Accounts and Statements via Unified API | ✓ | — | Maintains connector |
| Serve Data to Plaid (Core Exchange) | — | — | ✓ |
Environments
- Production
- Single environment: every connection writes to Apideck's FDX data provider with its own ingest key; there are no separate sandbox credentials.
🚨Important to Know About Plaid Core Exchange
- Every account needs at least one account holder, email, address and phone number; Plaid fails identity for an account whose contact data is empty. If your records often lack email or phone, raise it with Plaid before launch.
- Ingest works today, but Plaid cannot read the stored accounts or statements yet: client authentication between Plaid and Apideck is still pending, hence early access. Plaid pulls the data, so a successful write confirms storage, not delivery.
- You must host a customer login page that verifies Apideck's signed handoff, authenticates the user and signs an assertion in return. The Configuration Guide covers the setup.
⚠️
6 gotchas across 2 resources
Connector-specific behaviors and limitations to be aware of
📦
2 supported resources
View field mappings, supported operations, and schema details