Live 60 Actions

Plaid MCP Server
for AI Agents

Q: What AI frameworks and AI clients does the StackOne Plaid MCP server support?

The StackOne Plaid MCP server supports both. MCP clients (paste-and-go apps): Claude Desktop, Claude Code, Cursor, VS Code, Goose. Agent frameworks (code SDKs you build with): OpenAI Agents SDK, Anthropic, Vercel AI, Google ADK, CrewAI, Pydantic AI, LangChain, LangGraph, Azure AI Foundry.

StackOne's Plaid MCP server gives AI agents 60 ready-to-use actions for Plaid — with built-in authentication, security, governance, token efficiency, and high tool-calling accuracy.

Start Free Book Demo Read Docs →

Plaid MCP Server

Built by

StackOne

Coverage

60 Agent Actions

Create, read, update, and delete across Plaid — and extend your agent's capabilities with custom actions.

MCP Actions → Create Actions →

Authentication

Agent Tool Authentication

Per-user OAuth in one call. Your Plaid MCP server gets session-scoped tokens with zero credentials stored on your infra.

Agent Auth →

Security

Agent Protection

Every Plaid tool response scanned for prompt injection in milliseconds — 88.7% accuracy, all running on CPU.

Prompt Injection Defense →

Performance

Max Agent Context. Min Cost.

Free up to 96% of your agent's context window to enhance reasoning and reduce cost, on every Plaid call.

Tools Discovery →

What is the Plaid MCP Server?

A Plaid MCP server lets AI agents read and write Plaid data through the Model Context Protocol — Anthropic's open standard for connecting LLMs to external tools. StackOne's Plaid MCP server ships with 60 pre-built actions, fully extensible via the Connector Builder — plus managed authentication, prompt injection defense, and optimized agent context. Connect it from MCP clients like Claude Desktop, Claude Code, Cursor, Goose, and VS Code, or from agent frameworks like OpenAI Agents SDK, LangChain, and Vercel AI SDK.

All Plaid MCP Tools and Actions

Every action from Plaid's API, ready for your agent. Create, read, update, and delete — scoped to exactly what you need.

Asset Reports

Create Asset Report
Create an Asset Report for the linked Item, providing a point-in-time snapshot of account balances, transactions, and identity data for lending and verification via POST /asset_report/create
Get Asset Report
Retrieve a completed Asset Report containing account balances, transaction history, and identity data via POST /asset_report/get
Remove Asset Report
Permanently delete an Asset Report and invalidate its token via POST /asset_report/remove

Institutions

Get Institutions
Retrieve a paginated list of all Plaid-supported financial institutions with filtering by country, products, and routing numbers via POST /institutions/get
Search Institutions
Search Plaid's institution directory by name or query string with optional product and country filters via POST /institutions/search

Items

Get Item
Retrieve metadata and health status for a linked financial institution Item via POST /item/get
Remove Item
Permanently remove a linked Item, invalidating its access_token and ending all associated billing via POST /item/remove

Link Tokens

Create Link Token
Create a link_token to initialize Plaid Link, the client-side UI component for bank account connection, via POST /link/token/create
Get Link Token
Retrieve metadata and configuration details for a previously created link_token via POST /link/token/get

Statements

List Statements
Retrieve a list of available bank statements for all accounts linked to an Item via POST /statements/list
Download Statement
Download a single bank statement PDF by its statement ID via POST /statements/download

Transactions

Get Transactions
Fetch historical transaction data within a specified date range with pagination and optional enrichment fields via POST /transactions/get
Sync Transactions
Get incremental transaction updates using Plaid's recommended cursor-based sync approach, returning added, modified, and removed transactions since the last sync via POST /transactions/sync

Transfers

Create Transfer
Initiate a money movement using a previously-approved authorization, returning the transfer_id and initial status (pending) via POST /transfer/create
Get Transfer
Retrieve the current state and metadata of a single transfer by transfer_id via POST /transfer/get
List Transfers
List transfers with optional filters by date range, account, status, or originator via POST /transfer/list

Transfer Events

List Transfer Events
List historical lifecycle events across transfers with date and status filters via POST /transfer/event/list
Sync Transfer Events
Incrementally pull transfer lifecycle events using a monotonically-increasing event_id cursor via POST /transfer/event/sync

Transfer Refunds

Create Transfer Refund
Refund some or all of a posted/settled transfer back to the user's bank via POST /transfer/refund/create
Get Transfer Refund
Retrieve refund details and current status by refund_id via POST /transfer/refund/get

Other (40)

Create Check Report
Generate a fresh Consumer Report (Plaid Check) for a user, kicking off async aggregation of bank, income, and cashflow data via POST /cra/check_report/create
Create Transfer Authorization
Authorize a money movement before creating a transfer, returning a Plaid risk decision (approved, declined, user_action_required) via POST /transfer/authorization/create
Get Accounts
Retrieve all financial accounts (checking, savings, credit, loan, investment) linked to an Item via POST /accounts/get
Get Account Balance
Fetch real-time balance data directly from the financial institution for all or specific accounts via POST /accounts/balance/get
Get Asset Report PDF
Download a completed Asset Report as a formatted PDF document (binary response, application/pdf) for sharing with lenders and verifiers via POST /asset_report/pdf/get
Get Auth
Retrieve bank account numbers and routing numbers needed to initiate ACH, EFT, BACS, and wire transfers via POST /auth/get
Get Check Base Report
Retrieve the base bank/cash-flow Consumer Report containing items, accounts, balances, and transactions via POST /cra/check_report/base_report/get
Get Check Income Insights
Retrieve the income-stream-analysis section of the Consumer Report (recurring deposits clustered into employer streams) via POST /cra/check_report/income_insights/get
Get Check Cashflow Insights
Retrieve cashflow-pattern analysis (income vs expense, NSF events, savings trends) of the Consumer Report via POST /cra/check_report/cashflow_insights/get
Get Check LendScore
Retrieve Plaid's proprietary LendScore (cash-flow-based credit score) for the user via POST /cra/check_report/lend_score/get
Get Check Partner Insights
Retrieve partner-derived cash-flow insights computed by Plaid's underwriting partners via POST /cra/check_report/partner_insights/get
Get Check Report PDF
Download the Consumer Report as a formatted PDF document for sharing with lenders via POST /cra/check_report/pdf/get
Get Identity
Retrieve personal identity information (name, email, phone, address) for account holders directly from the financial institution via POST /identity/get
Get Bank Income
Retrieve completed Bank Income reports (income streams identified from bank deposits) for a user via POST /credit/bank_income/get
Get Bank Income PDF
Download a Bank Income report as a formatted PDF document for sharing with lenders via POST /credit/bank_income/pdf/get
Get Payroll Income
Retrieve verified payroll-system-sourced income data for a user (W-2, paystubs, employer info) via POST /credit/payroll_income/get
Get Payroll Income Risk Signals
Retrieve fraud risk signals on parsed payroll documents (paystubs, W-2s) via POST /credit/payroll_income/risk_signals/get
Get Employment
Retrieve employment verification data (employer name, employment dates, status) sourced from payroll provider via POST /credit/employment/get
Get Credit Sessions
List the user's Income / Consumer-Report Link sessions and their final statuses via POST /credit/sessions/get
Get Institution By ID
Retrieve detailed metadata for a single financial institution by its Plaid institution_id via POST /institutions/get_by_id
Get Investment Holdings
Retrieve current investment portfolio holdings including stocks, bonds, mutual funds, and ETFs for linked brokerage and retirement accounts via POST /investments/holdings/get
Get Investment Transactions
Retrieve investment transactions (buys, sells, dividends, fees, transfers) within a specified date range for linked brokerage accounts via POST /investments/transactions/get
Get Liabilities
Retrieve detailed liabilities data for credit cards, student loans, and mortgages associated with an Item via POST /liabilities/get
Get Recurring Transactions
Fetch Plaid-detected recurring transaction patterns (subscriptions, income deposits, bills) for accounts associated with an Item via POST /transactions/recurring/get
Get Transfer Capabilities
Determine RTP eligibility and other transfer capabilities for a Plaid Item via POST /transfer/capabilities/get
Update Item Webhook
Update or set the webhook URL for receiving real-time event notifications for an Item via POST /item/webhook/update
Refresh Asset Report
Create a refreshed copy of an existing Asset Report with updated data from the financial institutions via POST /asset_report/refresh
Filter Asset Report
Create a filtered copy of an Asset Report with specified accounts excluded via POST /asset_report/filter
Enrich Transactions
Enrich your own (non-Plaid-sourced) transactions with merchant info, categorization, and counterparty data via POST /transactions/enrich
Exchange Public Token
Exchange a single-use public_token for a permanent access_token via POST /item/public_token/exchange
Sandbox Create Public Token
Create a test public_token for a sandbox Item, simulating the Plaid Link flow without user interaction, via POST /sandbox/public_token/create
Evaluate Signal
Score the ACH return risk of a proposed debit transaction and apply Dashboard rulesets via POST /signal/evaluate
Prepare Signal
Pre-warm Plaid's risk model for an Item so the next /signal/evaluate completes faster via POST /signal/prepare
Report Signal Decision
Report whether you proceeded with or blocked the ACH debit after a Signal score, used to refine Plaid's model via POST /signal/decision/report
Report Signal Return
Report a returned ACH transaction back to Plaid with the return code so its risk model can learn via POST /signal/return/report
Refresh Statements
Trigger on-demand extraction of bank statements for a specified date range via POST /statements/refresh
Refresh Transactions
Trigger an on-demand refresh of transaction data for an Item, bypassing the normal automatic update schedule, via POST /transactions/refresh
Cancel Transfer
Cancel a transfer that has not yet posted to the bank network via POST /transfer/cancel
Cancel Transfer Authorization
Cancel an unused transfer authorization before it expires via POST /transfer/authorization/cancel
Cancel Transfer Refund
Cancel a pending refund before it posts to the network via POST /transfer/refund/cancel

Plaid AI Agent Use Cases

Connect your AI agent to Plaid and help your team scale the finance operations they run by hand today.

Invoice Processing

Automate invoice processing with AI agents connected to your ERP, accounting software, and AP tools through StackOne.

View

Accounts Receivable Dunning

Use StackOne to connect your AI agent to your accounting, CRM, and messaging systems to automate Accounts Receivable dunning and payment follow-up.

View

Invoice Processing

Use StackOne to connect your AI agent to your accounting, email, and document management systems to automate invoice processing and purchase order matching.

View

More Accounting & Finance use cases

Set Up Your Plaid MCP Server in Minutes

One endpoint. Any framework. Your agent is talking to Plaid in under 10 lines of code.

MCP Clients

Agent Frameworks

Claude Desktop-

JSON

Claude Desktop Docs

{
  "mcpServers": {
    "stackone": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote@latest",
        "https://api.stackone.com/mcp?x-account-id=<account_id>",
        "--header",
        "Authorization: Basic <YOUR_BASE64_TOKEN>"
      ]
    }
  }
}

More Accounting MCP Servers

138+ actions

125+ actions

107+ actions

105+ actions

95+ actions

82+ actions

Microsoft Dynamics 365 Business Central

70+ actions

All Accounting MCP Servers →

Plaid MCP Server Resources

MCP Code Mode: Keeping Tool Responses Out of Agent Context

Anthropic's code_execution processes data already in context. Custom MCP code mode keeps raw tool responses in a sandbox. 14K tokens vs 500.

11 min

Comparing BM25, TF-IDF, and Hybrid Search for MCP Tool Discovery

Benchmarking BM25, TF-IDF, and hybrid search for MCP tool discovery across 916 tools. The 80/20 TF-IDF/BM25 hybrid hits 21% Top-1 accuracy in under 1ms.

10 min

Indirect Prompt Injection Defense for MCP Tools: A Technical Guide

MCP tools that read emails, CRM records, and tickets are indirect prompt injection vectors. Here's how we built a two-tier defense that scans tool results in ~11ms.

12 min

Plaid MCP Server FAQ

Plaid MCP server vs direct API integration — what's the difference?

A Plaid MCP server and direct API integration serve different use cases. Direct API integration is for software-to-software — backend code calling Plaid. A Plaid MCP server is for AI agents — MCP clients like Claude and Cursor, plus framework agents built with OpenAI, LangChain, or Vercel AI — discovering and calling Plaid at runtime. StackOne provides both.

How does Plaid authentication work for AI agents?

Plaid authentication for AI agents works through a StackOne Connect Session. Create one via the dashboard or the SDK — you get an auth link and ready-to-paste config for Claude Desktop, Cursor, and other MCP clients. Your user authenticates their own Plaid account; StackOne handles token exchange, storage, and refresh. Credentials never reach the LLM, and each user is isolated via origin_owner_id.

Are Plaid MCP tools vulnerable to prompt injection?

Yes — Plaid MCP tools can be vulnerable to indirect prompt injection. Any tool that reads user-written content — documents, messages, tickets, records, or free-text fields — is a potential vector. StackOne Defender scans every tool response before it enters the agent's context — regex patterns in ~1ms, then a MiniLM classifier in ~4ms. 88.7% accuracy, CPU-only.

What is the context bloat of a Plaid agent and how do I avoid it?

Context bloat happens when Plaid tool schemas and API responses eat your Plaid agent's memory, preventing it from reasoning effectively. A single Plaid query can return a massive JSON response, and connecting multiple tools compounds the problem. Tools Discovery and Code Mode reduce context bloat — loading only relevant tools per query and keeping raw responses out of the agent's context.

Can I limit which actions my Plaid agent can access?

Yes — you can limit which actions your Plaid agent can access directly from the StackOne dashboard. Toggle actions on or off, or restrict them to specific accounts, with no code changes to your agent. Session tokens can be scoped to exact actions so if one leaks, exposure stays contained.

Can I create custom agent actions for my Plaid MCP server?

Yes — you can create custom agent actions for your Plaid MCP server using Connector Builder. It's an integration agent your coding assistant (Claude Code, Cursor, or Copilot) can invoke to research Plaid's API, generate production-ready connector YAML, test against the live API, and validate before you ship.

When should I NOT use a Plaid MCP server?

Skip a Plaid MCP server if your integration is purely software-to-software — direct Plaid API integration is simpler when no AI agent is involved. For deterministic, compliance-critical operations (financial transactions, regulatory reporting), direct API gives you predictable behavior without agent-driven decision-making. MCP shines when AI agents need to dynamically discover and call Plaid actions at runtime.

What AI frameworks and AI clients does the StackOne Plaid MCP server support?

The StackOne Plaid MCP server supports both. MCP clients (paste-and-go apps): Claude Desktop, Claude Code, Cursor, VS Code, Goose. Agent frameworks (code SDKs you build with): OpenAI Agents SDK, Anthropic, Vercel AI, Google ADK, CrewAI, Pydantic AI, LangChain, LangGraph, Azure AI Foundry.

Put your AI agents to work

All the tools you need to build and scale AI agent integrations, with best-in-class connectivity, execution, and security.

Start Free Book Demo

Plaid MCP Serverfor AI Agents

60 Agent Actions

Agent Tool Authentication

Agent Protection

Max Agent Context. Min Cost.

What is the Plaid MCP Server?

All Plaid MCP Tools and Actions

Asset Reports

Institutions

Items

Link Tokens

Statements

Transactions

Transfers

Transfer Events

Transfer Refunds

Other (40)

Plaid AI Agent Use Cases

Set Up Your Plaid MCP Server in Minutes

More Accounting MCP Servers

Plaid MCP Server Resources

MCP Code Mode: Keeping Tool Responses Out of Agent Context

Comparing BM25, TF-IDF, and Hybrid Search for MCP Tool Discovery

Indirect Prompt Injection Defense for MCP Tools: A Technical Guide

Plaid MCP Server FAQ

Put your AI agents to work

Plaid MCP Server
for AI Agents