> This page is for Agent Handler. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.merge.dev/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.merge.dev/_mcp/server. # Plaid **Authentication:** Client ID, secret, and access token. See [Magic Link](/merge-agent-handler/features/magic-link) for the runtime auth flow. ## Sample use cases * List the accounts linked to item `item_a3f9b2` with their current balances * Fetch the last 30 days of transactions and group them by category * Check the identity details on file for the primary checking account ## Available Tools #### cancel_transfer Cancel a transfer that has not yet progressed too far. The inverse of create_transfer. Only works when the transfer's... #### create_asset_report Create an Asset Report for your linked Item (a point-in-time snapshot of balances and transaction history for income/... #### create_link_token Create a short-lived Link token to start account linking or re-authenticate your linked Item in Plaid Link. In update... #### create_payment Create a Payment Initiation payment (UK/EU) to a recipient. This initiates a bank payment the payer must then authori... #### create_payment_recipient Create a payment recipient for Payment Initiation (UK/EU). Provide either an IBAN or UK bacs (account + sort code). R... #### create_transfer Targets your linked Item to create (initiate) an ACH transfer from an approved authorization. This MOVES MONEY. Call... #### create_transfer_authorization Targets your linked Item to authorize a transfer before creating it (Plaid's required risk/balance check). Returns an... #### get_accounts List all accounts on the linked Item with names, types, and balances. Returns account_id values needed by balance/tra... #### get_asset_report Retrieve a generated Asset Report by its token. Returns the full report (items, accounts, balances, historical balanc... #### get_auth Get account and ACH routing/account numbers for the linked Item (for setting up transfers). Use get_accounts to see w\... #### get_balances Get real-time balances for accounts on the linked Item (forces a fresh balance fetch from the institution). Use get_a... #### get_categories Get Plaid's legacy transaction category taxonomy (category_id, group, hierarchy) for interpreting the legacy category... #### get_identity Get account-owner identity data (names, emails, phone numbers, addresses) for the linked Item. Requires a linked Item... #### get_institution Get a single institution by ID, including supported products and routing numbers. Set include_metadata for logo/color... #### get_investment_holdings Get investment holdings (positions) and their securities for the linked Item. Use get_accounts to find account_ids. R... #### get_investment_transactions Get investment transactions (buys, sells, dividends, fees) for the linked Item within a date range, with their securi... #### get_item Get metadata and per-product update status for the linked Item (institution, enabled products, last error). Requires... #### get_liabilities Get liability details (credit cards, student loans, mortgages) for the linked Item: balances, APRs, due dates, payoff... #### get_payment Retrieve a Payment Initiation payment by ID, including its current status. Use create_payment or list_payments to fin... #### get_payment_recipient Retrieve a payment recipient by ID (name, IBAN/bacs, address). Use create_payment_recipient or list_payment_recipient... #### get_transactions Get transactions for the linked Item within a date range, with optional account filter and pagination. Use sync_trans... #### get_transfer Retrieve a transfer by ID, including its current status and whether it is still cancellable. Use create_transfer or l... #### list_institutions List Plaid-supported financial institutions with pagination. Use for browsing; use search_institutions when you have... #### list_payment_recipients List payment recipients under these credentials with cursor pagination. Pass a previous page's next_cursor as cursor... #### list_payments List Payment Initiation payments created under these credentials, with cursor pagination. Returns payment_ids for get... #### list_transfers List all transfers made with these Plaid API credentials, across every linked Item (not only the Item whose access to... #### refresh_asset_report Generate a new Asset Report from the same Items as an existing report, with up-to-date data. Returns a new asset_repo... #### refresh_transactions Request an on-demand refresh of the linked Item's transactions from the institution. New data arrives asynchronously... #### remove_asset_report Permanently remove an Asset Report so its token can no longer retrieve it. The inverse of create_asset_report. Use cr... #### remove_item Targets your linked Item for permanent removal, invalidating its access token and stopping all data access for it. Th... #### search_institutions Search Plaid-supported institutions by name, optionally filtered by supported products. Use when you have an institut... #### sync_transactions Get incremental transaction changes (added/modified/removed) since a cursor. Pass null cursor to start from the begin... #### update_item_webhook Targets your linked Item to update the webhook URL Plaid notifies for its events (new transactions, errors). Pass an...