v51

latestOpenAPI 3.0.0raw.githubusercontent.com2026-07-313352,3122.9 MB

plaid

Create payment recipient

Create a payment recipient for payment initiation. The recipient must be in Europe, within a country that is a member of the Single Euro Payments Area (SEPA) or a non-Eurozone country supported by Plaid. For a standing order (recurring) payment, the recipient must be in the UK.

It is recommended to use bacs in the UK and iban in EU.

The endpoint is idempotent: if a developer has already made a request with the same payment details, Plaid will return the same recipient_id.

post/payment_initiation/recipient/create

Request body

client_idstring

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

secretstring

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

namestring required

The name of the recipient. We recommend using strings of length 18 or less and avoid special characters to ensure compatibility with all institutions.

ibanstring nullable

The International Bank Account Number (IBAN) for the recipient. If Bacs data is not provided, an IBAN is required.

Response

recipient_idstring required

A unique ID identifying the recipient

request_idstring required

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.