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plaid-ruby Circle CI Gem Version

The official Ruby bindings for the Plaid API.


Add this line to your application's Gemfile:

gem 'plaid'

And then execute:

$ bundle

Or install it yourself as:

$ gem install plaid

The gem supports Ruby 2.2+ only.


Each major version of plaid-ruby targets a specific version of the Plaid API:

API version plaid-ruby release
2020-09-14 (latest) 12.x.x
2019-05-29 (latest) 11.x.x, 10.x.x, 9.x.x, 8.x.x, 7.x.x
2018-05-22 6.x.x
2017-03-08 5.x.x

For information about what has changed between versions and how to update your integration, head to the version changelog.


This gem wraps the Plaid API, which is fully described in the documentation.

The RubyDoc for the gem is available here.

Creating a Plaid client

Create an instance of the client using the client_id and secret from your Plaid dashboard along with your environment of choice:

require 'plaid'

client = :sandbox,
                           client_id: '***',
                           secret: '***')

The env field is the environment which the client will be running in. Your choices for the env field include:

  • :sandbox allows you to do your initial integrations tests against preloaded data without being billed or making expensive API calls. More information about using the API sandbox can be found on the API Sandbox documentation.
  • :development allows you to test against both real and test accounts without being billed. More information about Plaid test accounts can be found in our API documentation.
  • :production is the production environment where you can launch your production ready application and be charged for your Plaid usage.

Tuning Faraday

The gem uses Faraday to wrap HTTPS connections, which allows you to tune certain params:

client = :sandbox, client_id: '***', secret: '***') do |builder|

  # Increase network timeout
  builder.options[:timeout] = 60*20    # 20 minutes


Create a new link_token

# Grab the client_user_id by searching for the current user in your database
user = User.find_by!(email: '***')
client_user_id =

# Create the link_token with all of your configurations
link_token_response = client.link_token.create(
  user: { client_user_id: client_user_id.to_s },
  client_name: 'My app',
  products: %w[auth transactions],
  country_codes: ['US'],
  language: 'en'

# Pass the result to your client-side app to initialize Link
#  and retrieve a public_token
link_token = link_token_response.link_token

Exchanging a Link public_token for a Plaid access_token

If you have a Link public token, use this function to get an access_token:

An example of the function's usage if you have a public_token in hand:

response =
access_token = response.access_token

Deleting an item

require 'plaid'

client = :sandbox,
                           client_id: '***',
                           secret: '***')

exchange_token_response ='[Plaid Link public_token]')
access_token = exchange_token_response.access_token

# Provide the access_token for the Item you want to remove

Get paginated transactions

require 'plaid'

client = :sandbox,
                           client_id: '***',
                           secret: '***')

exchange_token_response ='[Plaid Link public_token]')
access_token = exchange_token_response.access_token

transaction_response = client.transactions.get(access_token, '2016-07-12', '2017-01-09')
transactions = transaction_response.transactions

# the transactions in the response are paginated, so make multiple calls while
# increasing the offset to retrieve all transactions
while transactions.length < transaction_response['total_transactions']
  transaction_response = client.transactions.get(access_token,
                                                 offset: transactions.length)
  transactions += transaction_response.transactions

Obtaining Item-related data

If you have an access_token, you can use following code to retreive data:

require 'plaid'

client = :sandbox,
                           client_id: '***',
                           secret: '***')

exchange_token_response ='[Plaid Link public_token]')
access_token = exchange_token_response.access_token

auth_response = client.auth.get(access_token)
auth = auth_response.auth

Create a Stripe bank_account_token

Exchange a Plaid Link public_token for an API access_token and a Stripe bank_account_token:

require 'plaid'

client = :sandbox,
                           client_id: '***',
                           secret: '***')

exchange_token_response ='[Plaid Link public_token]')
access_token = exchange_token_response.access_token

stripe_response = client.processor.stripe.bank_account_token.create(access_token, '[Account ID]')
bank_account_token = stripe_response.stripe_bank_account_token

There are also a number of other methods you can use to retrieve data:

  • client.accounts.get(access_token, ...): accounts
  • client.accounts.balance.get(access_token, ...): real-time balances
  • client.auth.get(access_token, ...): auth
  • client.identity.get(access_token, ...): identity
  • client.transactions.get(access_token, ...): transactions
  • client.credit_details.get(access_token, ...): credit details
  •, ...): investment-account transactions
  •, ...): investment-account holdings

All of these methods return appropriate data. More information can be found on the API documentation.


You can request category information:

categories = client.categories.get             # Array of all known categories


Financial institution information is available as shown below where the function arguments represent count and offset:

institutions = client.institutions.get(count: 3, offset: 1)


Any methods making API calls will result in an exception raised unless the response code is "200: Success" or "210: MFA Required".

Plaid::InvalidRequestError is returned when the request is malformed and cannot be processed.

Plaid::InvalidInputError is returned when all fields are provided and are in the correct format, but the values provided are incorrect in some way.

Plaid::RateLimitExceededError returned when the request is valid but has exceeded established rate limits.

Plaid::APIError is returned during planned maintenance windows and in response to API internal server errors.

Plaid::ItemError indicates that information provided for the Item (such as credentials or MFA) may be invalid or that the Item is not supported on Plaid's platform.

Plaid::InstitutionError is returned when there are errors for the requested financial institution.

Read more about response codes and their meaning in the Plaid documentation.

Response Objects

Any API call returns a response object which is accessible by dot notation ( or Symbols and Strings as keys: response[:foo][:bar] and response['foo']['bar']. Expected keys for all types of responses are defined, and any attempt to access an unknown key will cause NoMethodError exception.

Network Timeout

A network timeout value is currently defaulted at 600 seconds = 10 minutes. Some requests from the Plaid API may take longer than others and we want to make sure that all valid requests have a chance to complete. Adjust this value if necessary (see "Tuning Faraday").


Bug reports and pull requests are welcome on GitHub at See also contributing guidelines.


The gem is available as open source under the terms of the MIT License.

Legacy API

If you're looking for a Ruby client that works with the legacy Plaid API, use the plaid-legacy gem.

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