---
title: "Terminate products for an Item"
method: POST
path: "/item/products/terminate"
tags: ["plaid"]
---

# Terminate products for an Item

`POST /item/products/terminate`

The `/item/products/terminate` endpoint allows you to terminate an Item. Once terminated, the `access_token` associated with the Item is no longer valid, billing for the Item's products is ended, and relevant webhooks are fired.

`/item/products/terminate` is the recommended way to offboard users or disconnect accounts linked via Plaid.

## Request body

- ItemProductsTerminateRequest — ItemProductsTerminateRequest defines the request schema for `/item/products/terminate`
  - `client_id` string — 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.
  - `secret` string — 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.
  - `access_token` string, required — The access token associated with the Item for which data is being requested.
  - `reason_code` 'FRAUD_FIRST_PARTY' | 'FRAUD_FALSE_IDENTITY' | 'FRAUD_ABUSE' | 'FRAUD_OTHER' | 'FRAUD_TRANSACTION' | 'CONSUMER_LOAN_PAID_OFF' | 'CONSUMER_ACCOUNT_CLOSED' | 'CONSUMER_CHARGE_OFF' | 'CONSUMER_PAYMENT_METHOD_SWITCHED' | 'USER_OFFBOARDING' | 'DUPLICATE_ITEM' | 'BILLING_TERMINATION' | 'OTHER', required — The reason for terminating products. `FRAUD_FIRST_PARTY`: The end user who owns the connected bank account committed fraud using their real identity `FRAUD_FALSE_IDENTITY`: The connection was created using a false or stolen identity `FRAUD_ABUSE`: The end user is abusing the client's service or platform (for example, automation or excessive retries) through their connected account `FRAUD_OTHER`: Fraud-related, but not covered by the specific fraud categories above; `reason_note` should clarify `FRAUD_TRANSACTION`: Fraud occurred at the transaction level, such as an unauthorized transaction, card testing, chargeback, ACH return, or dispute `CONSUMER_LOAN_PAID_OFF`: The end user paid off their loan and no longer needs the product `CONSUMER_ACCOUNT_CLOSED`: The end user closed their account with the client and no longer needs the product `CONSUMER_CHARGE_OFF`: The end user's account has been charged off `CONSUMER_PAYMENT_METHOD_SWITCHED`: The end user switched to a different payment method and no longer needs the product `USER_OFFBOARDING`: The user is offboarding from the client's service or platform `DUPLICATE_ITEM`: This Item is a duplicate of another active Item for the same user `BILLING_TERMINATION`: The client's billing or subscription relationship with the end user has ended `OTHER`: None of the above; `reason_note` should clarify
  - `reason_note` string, nullable — Additional context or details about the reason for terminating products on the Item. Personally identifiable information, such as an email address or phone number, should not be included in the `reason_note`.

## Response `200`

success

- ItemProductsTerminateResponse — ItemProductsTerminateResponse defines the response schema for `/item/products/terminate`
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default` — Error response.

---

[API](https://skmtc.net/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.net/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/64c4514ea59b/schema)