Plaid API changes

Changes from 15 providers, newest first. Each one links to the provider's own notice.

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10 Plaid changes match. Showing 1–10, newest first.

• Breaking Plaid 2 Oct 2026
  Plaid API spec changed: 9 breaking, 3 behaviour changes

  Why: oasdiff:response-property-became-nullable, oasdiff:request-property-enum-value-removed

  12 spec findings (oasdiff)

  • Breaking POST /asset_report/audit_copy/get the response property `report/items/items/accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /beta/credit/v1/bank_employment/get the response property `bank_employment_reports/items/items/items/bank_employment_accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /cra/check_report/income_insights/get the response property `report/items/items/bank_income_accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /cra/check_report/verification/get the response property `report/voa/items/items/accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /cra/monitoring_insights/get the response property `items/items/accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /cra/partner_insights/get the response property `report/items/items/items/accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /credit/bank_income/get the response property `bank_income/items/items/items/bank_income_accounts/items/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Breaking POST /link/token/create removed the enum value `charge card` of the request property `account_filters/credit/account_subtypes/items/`
  • Breaking POST /link/token/create removed the enum value `installment` of the request property `account_filters/loan/account_subtypes/items/`
  • Behaviour POST /cashflow_report/get the response property `accounts/items/allOf[subschema #2]/owners/items/addresses/items/data/street` became nullable for the status `200`
  • Behaviour POST /employers/search the response property `employers/items/address/allOf[subschema #1: AddressData]/street` became nullable for the status `200`
  • Behaviour POST /processor/identity/get the response property `account/allOf[subschema #2]/owners/items/addresses/items/data/street` became nullable for the status `200`
• Informational Plaid 24 Sep 2026
  Plaid: Updated the left-hand navigation of the Plaid Dashboard for improved ease of use.
• Informational Plaid 11 Sep 2026
  Plaid: Enhanced Sandbox capabilities with the launch of Sandbox Studio in the Dashboard.
• Deprecation Plaid 3 Sep 2026
  Plaid: Added a Billing page to the Dashboard for customers on negotiated rates, providing visibility into invoice and payment history.

  Why: text:is now deprecated

• Breaking Plaid 1 Sep 2026
  Plaid API spec changed: 2 breaking, 3 deprecations, 4 behaviour changes

  Why: oasdiff:request-property-enum-value-removed, oasdiff:endpoint-deprecated, oasdiff:request-property-deprecated

  9 spec findings (oasdiff)

  • Breaking POST /processor/token/create removed the enum value `paynote` of the request property `processor`
  • Breaking POST /protect/cash_advance/repayment/create removed the enum value `DELIVERED` of the request property `status`
  • Deprecation POST /cra/monitoring_insights/get endpoint deprecated
  • Deprecation POST /sandbox/public_token/create request property `options/transactions/end_date` deprecated
  • Deprecation POST /sandbox/public_token/create request property `options/transactions/start_date` deprecated
  • Behaviour POST /protect/cash_advance/decision/create removed the request property `cash_advance/is_taken`
  • Behaviour POST /protect/compute removed the request property `model_inputs/sdk`
  • Behaviour POST /protect/event/send removed the request property `event/protect_session_id`
  • Behaviour POST /protect/event/send removed the request property `protect_session_id`
• Breaking Plaid 17 Aug 2026
  Plaid API spec changed: 7 breaking, 3 deprecations, 1 behaviour change

  Why: oasdiff:api-security-scope-added, oasdiff:response-property-one-of-added, oasdiff:response-required-property-removed, oasdiff:request-property-deprecated

  11 spec findings (oasdiff)

  • Breaking POST /cra/check_report/base_report/get the security scope `cra:read` was added to the endpoint's security scheme `oauth2`
  • Breaking POST /cra/report/get added `#/components/schemas/CraReportGetQualifyResponseProduct, #/components/schemas/CraReportGetIncomeInsightsResponseProduct, #/components/schemas/CraReportGetHomeLendingResponseProduct` to the `report/products/items/` response property `oneOf` list for the response status `200`
  • Breaking GET /fdx/consents removed the required property `display_message` from the response with the `default` status
  • Breaking POST /item/activity/list removed the required property `last_data_access_times/items/contact_details` from the response with the `200` status
  • Breaking POST /item/activity/list removed the required property `last_data_access_times/items/credit_and_loans` from the response with the `200` status
  • Breaking POST /item/activity/list removed the required property `last_data_access_times/items/payroll_info` from the response with the `200` status
  • Breaking POST /item/activity/list removed the required property `last_data_access_times/items/transaction_risk_info` from the response with the `200` status
  • Deprecation POST /item/import request property `options` deprecated
  • Deprecation POST /item/import request property `options/webhook` deprecated
  • Deprecation POST /item/import request property `user_auth/auth_token` deprecated
  • Behaviour POST /credit/bank_income/get the `user_id` request property `type` changed from `any` to `string`
• Informational Plaid 17 Aug 2026
  Plaid: Improved behavior of Identity endpoints when called on non-depository Capital One accounts where identity data is not available.
• Informational Plaid 12 Aug 2026
  Plaid: Added support for returning Annual Percentage Yield (APY) data on accounts via the new apy field.
• Breaking Plaid 22 Jul 2026
  Plaid API spec changed: 35 breaking, 11 deprecations

  Why: oasdiff:request-property-enum-value-removed, oasdiff:response-property-became-nullable, oasdiff:endpoint-deprecated, oasdiff:response-property-deprecated, oasdiff:request-property-deprecated

  40 spec findings (oasdiff)

  • Breaking POST /cra/check_report/create removed the enum value `3.00` of the request property `partner_insights/prism_versions/cashscore`
  • Breaking POST /cra/check_report/create removed the enum value `3.00` of the request property `partner_insights/prism_versions/firstdetect`
  • Breaking POST /cra/check_report/create removed the enum value `3.00` of the request property `partner_insights/prism_versions/insights`
  • Breaking POST /cra/check_report/create removed the enum value `4.00` of the request property `partner_insights/prism_versions/cashscore`
  • Breaking POST /cra/check_report/create removed the enum value `4.00` of the request property `partner_insights/prism_versions/detect`
  • Breaking POST /cra/check_report/create removed the enum value `4.00` of the request property `partner_insights/prism_versions/extend`
  • Breaking POST /cra/check_report/create removed the enum value `4.00` of the request property `partner_insights/prism_versions/insights`
  • Breaking POST /cra/check_report/create removed the enum value `4.10` of the request property `partner_insights/prism_versions/cashscore`
  • Breaking POST /cra/check_report/create removed the enum value `4.10` of the request property `partner_insights/prism_versions/detect`
  • Breaking POST /cra/check_report/create removed the enum value `4.10` of the request property `partner_insights/prism_versions/extend`
  • Breaking POST /cra/check_report/create removed the enum value `4.10` of the request property `partner_insights/prism_versions/insights`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `3.00` of the request property `options/prism_versions/cashscore`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `3.00` of the request property `options/prism_versions/firstdetect`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `3.00` of the request property `options/prism_versions/insights`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.00` of the request property `options/prism_versions/cashscore`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.00` of the request property `options/prism_versions/detect`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.00` of the request property `options/prism_versions/extend`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.00` of the request property `options/prism_versions/insights`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.10` of the request property `options/prism_versions/cashscore`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.10` of the request property `options/prism_versions/detect`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.10` of the request property `options/prism_versions/extend`
  • Breaking POST /cra/check_report/partner_insights/get removed the enum value `4.10` of the request property `options/prism_versions/insights`
  • Breaking POST /cra/report/get the response property `report/products/items/attributes` became nullable for the status `200`
  • Breaking POST /cra/report/get the response property `report/products/items/metadata` became nullable for the status `200`
  • Breaking POST /link/token/create removed the enum value `3.00` of the request property `cra_options/partner_insights/prism_versions/cashscore`
  • Breaking POST /link/token/create removed the enum value `3.00` of the request property `cra_options/partner_insights/prism_versions/firstdetect`
  • Breaking POST /link/token/create removed the enum value `3.00` of the request property `cra_options/partner_insights/prism_versions/insights`
  • Breaking POST /link/token/create removed the enum value `4.00` of the request property `cra_options/partner_insights/prism_versions/cashscore`
  • Breaking POST /link/token/create removed the enum value `4.00` of the request property `cra_options/partner_insights/prism_versions/detect`
  • Breaking POST /link/token/create removed the enum value `4.00` of the request property `cra_options/partner_insights/prism_versions/extend`
  • Breaking POST /link/token/create removed the enum value `4.00` of the request property `cra_options/partner_insights/prism_versions/insights`
  • Breaking POST /link/token/create removed the enum value `4.10` of the request property `cra_options/partner_insights/prism_versions/cashscore`
  • Breaking POST /link/token/create removed the enum value `4.10` of the request property `cra_options/partner_insights/prism_versions/detect`
  • Breaking POST /link/token/create removed the enum value `4.10` of the request property `cra_options/partner_insights/prism_versions/extend`
  • Breaking POST /link/token/create removed the enum value `4.10` of the request property `cra_options/partner_insights/prism_versions/insights`
  • Deprecation POST /bank_transfer/balance/get endpoint deprecated
  • Deprecation POST /identity_verification/create response property `beacon_user_id` deprecated
  • Deprecation POST /identity_verification/list response property `identity_verifications/items/beacon_user_id` deprecated
  • Deprecation POST /payment_initiation/consent/create request property `scopes/items/` deprecated
  • Deprecation POST /payment_initiation/consent/get response property `allOf[#/components/schemas/PaymentInitiationConsent]/scopes/items/` deprecated
• Deprecation Plaid 22 Jul 2026
  Plaid API spec changed: 4 deprecations, 2 behaviour changes

  Why: oasdiff:request-property-deprecated, oasdiff:endpoint-deprecated

  6 spec findings (oasdiff)

  • Deprecation POST /cra/check_report/cashflow_insights/get request property `options` deprecated
  • Deprecation POST /cra/check_report/partner_insights/get request property `partner_insights` deprecated
  • Deprecation POST /cra/check_report/verification/get request property `employment_refresh_options` deprecated
  • Deprecation POST /item/public_token/create endpoint deprecated
  • Behaviour POST /item/products/terminate request property `reason_code` was restricted to a list of enum values
  • Behaviour POST /item/products/terminate the `reason_code` request property `type` changed from `any` to `string`

Providers we watch

• Anthropic 60 changes
• Auth0 60 changes
• Google Gemini API 60 changes
• Google Maps Platform 37 changes
• Google Workspace APIs 30 changes
• HubSpot 10 changes
• Meta WhatsApp 2 changes
• Microsoft Graph 60 changes
• OpenAI 1 change
• PayPal 2 changes
• Plaid 10 changes
• Shopify 60 changes
• Square 7 changes
• Stripe 4 changes
• Twilio 30 changes