Sign in

v51

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

Verify auth data

The /auth/verify endpoint verifies bank account and routing numbers and (optionally) account owner names against Plaid's database via Database Auth. It can be used to verify account numbers that were not collected via the Plaid Link flow.

This endpoint is currently in Early Availability; contact sales or your Plaid account manager to request access.

post/auth/verify

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.

legal_namestring nullable

Account owner's legal name

Response

success

request_idstring required

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

item_idstring nullable

The item_id value of the Item created for verification. If numbers data provided is invalid, an Item may not be created.

verification_statusstring required

Indicates the Item's database verification status. Possible values are:

database_insights_fail: The Item's numbers have been verified using Plaid's data sources and have signal for being invalid and/or have no signal for being valid. Typically this indicates that the routing number is invalid, the account number does not match the account number format associated with the routing number, or the account has been reported as closed or frozen. Only returned for Auth Items created via Database Auth.

database_insights_pass: The Item's numbers have been verified using Plaid's data sources: the routing and account number match a routing and account number of an account recognized on the Plaid network, and the account is not known by Plaid to be frozen or closed. Only returned for Auth Items created via Database Auth.

database_insights_pass_with_caution: The Item's numbers have been verified using Plaid's data sources and have some signal for being valid: the routing and account number were not recognized on the Plaid network, but the routing number is valid and the account number is a potential valid account number for that routing number. Only returned for Auth Items created via Database Auth.