Auth (2024)

Support Auth for all US financial institutions

Overview

Instant Auth covers approximately 95% of users' eligible bank accounts.For the remaining ~5%, Plaid offers users the ability toconnect their accounts through a combination of verifying micro-deposits and accountcredentials.

Our video tutorial also provides a comprehensive guide to adding Auth using all the flows

To support Auth for all of your users, this guide will show you how to build the following Auth flows:

  • Instant Auth: User enters their credentials and is authenticated immediately. This is the default flow. No extra steps are necessary to enable Instant Auth if you have already integrated Auth into your app.
  • Instant Match (US only): User enters their credentials, account number, and routing number. Plaid matches user input and authenticates immediately. No extra steps are necessary to enable Instant Match if you have already integrated Auth into your app; it will appear automatically as long as country_codes is set to ['US'].
  • Automated Micro-deposits (US only): User enters their credentials, account number, and routing number. Plaid makes a micro-deposit and automatically verifies the deposit in as little as one to two business days.
  • Instant Micro-deposits (US only): User enters account and routing numbers. Plaid makes a RTP or FedNow micro-deposit and the user manually verifies the code in as little as 5 seconds. Beginning November 1, 2023, no extra steps will be necessary to enable Instant Micro-deposits; it will be automatically enabled as long as country_codes is set to ['US'] and auth is the only product in the products array.
  • Same Day Micro-deposits (US only): User enters account and routing numbers. Plaid makes a Same Day ACH micro-deposit and the user manually verifies the code in as little as one business day.

Plaid will attempt to use the flows in the order of preference listed above. For example, the Automated Micro-deposits flow will only be used if both Instant Match and Instant Auth are unavailable for a given institution.

Accounts verified with account numbers (using Instant Micro-deposits or Same-Day Micro-deposits) do not have active data connections with a financial institution. These accounts and their associated Items can only be used with Auth and and Transfer not with any other Plaid products (such as Balance or Signal) with the partial exception of Identity Match.

Auth (1)

For each of these flows, Plaid will automatically prompt the user for the appropriate information. If a usercannot find their financial institution when searching, Plaid Link will prompt them tolink with account numbers, where they can enter the Instant Micro-deposits or Same Day Micro-deposits flow.

To see which Auth flows a given institution supports, you can call /institutions/get with options.include_auth_metadata set to true. The results will be returned in the auth_metadata.supported_methods object in the response. Alternatively, you can see this information on the Institution Status page in the Plaid Dashboard.

Each section in this guide is broken down into steps and supporting code samples.

Database Match (coming soon)

For returning users, Database Match can verify account details provided in Link without micro-deposits, reducing friction for accounts that can't be verified via Instant Auth or Instant Match.

Database Match is ideal for use cases where additional products like Balance, Signal, or Transactions aren’t required. Database Match does not confirm the user's access to the account, but confirms the presence of the account as previously authenticated in the Plaid network.

Database Match can be enabled after a user has indicated they want to continue down a manual flow, prior to micro-deposits, or on the embedded search module.

To apply for the Database Match beta, complete the Database Match beta application.

Next steps

As a seasoned expert in financial technology and authentication processes, I bring a wealth of knowledge and hands-on experience in developing secure and efficient systems for user authentication. My expertise extends to the intricacies of Plaid, a leading platform in the financial technology space, and its various authentication flows designed to support a wide array of US financial institutions.

The information presented in the article outlines the comprehensive approach taken by Plaid to ensure authentication support for all users, covering approximately 95% of eligible bank accounts with Instant Auth. For the remaining ~5%, Plaid offers alternative methods such as connecting accounts through micro-deposits and account credentials verification.

Let's delve into the key concepts and authentication flows discussed in the article:

  1. Instant Auth:

    • This is the default flow where users enter their credentials and are authenticated immediately.
    • No extra steps are necessary if Auth is already integrated into the app.
  2. Instant Match (US only):

    • Users enter credentials, account number, and routing number for immediate authentication.
    • It appears automatically if country_codes is set to ['US'] and Auth is integrated.
  3. Automated Micro-deposits (US only):

    • Users provide credentials, account number, and routing number.
    • Plaid makes a micro-deposit and verifies it automatically in one to two business days.
  4. Instant Micro-deposits (US only):

    • Users enter account and routing numbers.
    • Plaid makes an RTP or FedNow micro-deposit, and users manually verify the code in as little as 5 seconds.
  5. Same Day Micro-deposits (US only):

    • Users enter account and routing numbers.
    • Plaid makes a Same Day ACH micro-deposit, and users manually verify the code in as little as one business day.
  6. Flow Preference:

    • Plaid attempts to use flows in the order of preference listed above, choosing the most efficient method available.
  7. Account Verification:

    • Accounts verified with Instant Micro-deposits or Same-Day Micro-deposits have no active data connections with a financial institution.
    • They can only be used with Auth and Transfer, with a partial exception for Identity Match.
  8. Checking Institution Support:

    • Use /institutions/get with options.include_auth_metadata set to true to check which Auth flows a given institution supports.
    • Alternatively, check the Institution Status page in the Plaid Dashboard for this information.
  9. Database Match (coming soon):

    • Database Match verifies account details without micro-deposits for returning users.
    • Ideal for cases where additional products like Balance, Signal, or Transactions aren't required.
  10. Next Steps:

    • Guides are provided for each Auth flow: Instant Auth, Instant Match, Automated Micro-deposits, Same Day Micro-deposits, and Micro-deposit events.
    • Additionally, Database Match, a feature for returning users, is outlined as a forthcoming development.

In conclusion, this comprehensive guide equips developers with the knowledge and tools to implement robust authentication processes for users across various US financial institutions using Plaid's diverse set of authentication flows.

Auth (2024)

FAQs

What is the full meaning of auth? ›

auth in British English

(ɔːθ ) noun. informal. authentication, esp as provided by a computer user to access a website.

What is auth used for? ›

Authentication is used by a server when the server needs to know exactly who is accessing their information or site. Authentication is used by a client when the client needs to know that the server is system it claims to be. In authentication, the user or computer has to prove its identity to the server or client.

What is an example of auth? ›

A well-known example is accessing a user account on a website or a service provider such as Facebook or Gmail. Before you can access your account, you must prove you own the correct login credentials. Services typically present a screen that asks for a username along with a password.

What is the difference between authorization and auth? ›

Authentication is a process to authenticate a user, that is, to verify that someone is who they say they are. Authorization is about determining a user's level of access and then granting access based on that level.

What does auth mean in text? ›

(informal, computing) To authorize. You can't post messages on the site unless you're authed. Wiktionary. Abbreviation of authorize.

Is Auth short for authorization? ›

In information security, authentication (abbreviated as authn) and authorization (authz) are related but separate concepts. Both are an important part of identity and access management (IAM).

What is basic auth used for? ›

In the context of an HTTP transaction, basic access authentication is a method for an HTTP user agent (e.g. a web browser) to provide a user name and password when making a request.

What does an auth service do? ›

An authorization service is a service that ensures requests for access control are properly authorized, including actions by requestors and independent approval when necessary. It involves applying authorization policies through a distinct process.

What does auth mode mean? ›

AuthMode. An enumeration that identifies which categories of authorized services Apps Script is able to execute through a triggered function. These values are exposed in triggered functions as the authMode property of the event parameter, e .

What are auth providers? ›

Auth provider is an object that contains methods to handle authentication and access control in your app by having Refine consume them. These methods expect to return a promise, so they can be used with async methods.

What is auth login? ›

Login authentication, in the most simple words, is the way of confirming the identity of a user while they access their profile on a particular platform. We all have been using passwords for years to prove our identity on various platforms to access specific resources or information.

What is the most common type of authorization? ›

Passwords are the most common methods of authentication. Passwords can be in the form of a string of letters, numbers, or special characters. To protect yourself you need to create strong passwords that include a combination of all possible options.

How does authentication work? ›

Authentication is the process of verifying a user or device before allowing access to a system or resources. In other words, authentication means confirming that a user is who they say they are. This ensures only those with authorized credentials gain access to secure systems.

What are the four types of authorization? ›

Types of authorization include discretionary access control (DAC), mandatory access control (MAC), role-based access control (RBAC), and attribute-based access control (ABAC). In this article, we'll cover the differences and the techniques that are being used to implement them.

What is the purpose of authorization? ›

Authorization in system security is the process of giving the user permission to access a specific resource or function. This term is often used interchangeably with access control or client privilege.

What does the name Auth mean? ›

The meaning of Auth

from a short form of any of numerous ancient Germanic personal names formed with od- 'possession' (Old High German ōt), as for example Othmar and Otto.

What does the prefix auth mean? ›

Definition of 'auth'

1. authentic. 2. author.

What is the difference between authentication and authentification? ›

The words mean the same thing. Authentication is the proper word in English. Apparently, some languages refer to the same confirmation of identity as authentification. However, that is not the English spelling.

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