cihansenturk / plaid-sdk-php

1.1.1 2026-09-14 13:01 UTC

Requires

• php: ^8.0
• ext-curl: *
• ext-json: *
• nimbly/shuttle: 1.0

Requires (Dev)

• php-coveralls/php-coveralls: ^2.1
• phpunit/phpunit: ^9.0
• symfony/var-dumper: ^4.2
• vimeo/psalm: ^4.0

MIT

• Brent Scheffler
• Cihan Senturk

• php
• sdk
• plaid

Published on Packagist.org on 2026-09-14 13:02 UTC

README

Plaid PHP SDK supporting:

• Link tokens
• Auth
• Items
• Accounts
• Institutions
• Webhooks
• Identity
• Income
• Assets
• Balance
• Liabilities
• Investments
• Payment Initiation (UK only)
• Processors (including Stripe & Dwolla)
• Bank Transfers (US only)
• Sandbox

Official Plaid API docs

For full description of request and response payloads and properties, please see the official Plaid API docs.

Requirements

• PHP 8.0+
• ext-curl
• ext-json

Installation

composer require cihansenturk/plaid-sdk-php

Configuration

Instantiate the Plaid client class with your credentials.

$client = new \TomorrowIdeas\Plaid\Plaid("your-client-id", "your-secret", "environment");

Environments

The Plaid client by default uses the production Plaid API hostname for all API calls. You can change the environment by using the setEnvironment method.

Possible environments:

• production
• development
• sandbox

Options

Many methods allow the passing of options to the Plaid endpoint. These options should be an associative array of key/value pairs. The exact options supported are dependent on the endpoint being called. Please refer to the official Plaid documentation for more information.

$options = [
	"foo" => "bar",
	"baz" => "bat"
];

Example

use TomorrowIdeas\Plaid\Plaid;

require __DIR__ . "/vendor/autoload.php";

$plaid = new Plaid(
	\getenv("PLAID_CLIENT_ID"),
	\getenv("PLAID_CLIENT_SECRET"),
	\getenv("PLAID_ENVIRONMENT")
);

$item = $plaid->items->get("itm_1234");

Resources

For a full description of the response payload, please see the official Plaid API docs.

Accounts

Resource: accounts

Reference: https://plaid.com/docs/#accounts

Methods:

• list(string $access_token, array $options = []): object
• getBalance(string $access_token, array $options = []): object
• getIdentity(string $access_token): object

Example:

$accounts = $plaid->accounts->list($access_token);

Auth

Resource: auth

Reference: https://plaid.com/docs/#auth

Methods:

• get(string $access_token, array $options = []): object

Example:

$auth = $plaid->auth->get($access_token);

Bank Transfers (U.S. only)

Resource: bank_transfers

Reference: https://plaid.com/docs/bank-transfers/

Methods:

create(
	string $access_token,
	string $idempotency_key,
	string $type,
	string $account_id,
	string $network,
	string $amount,
	string $currency_code,
	AccountHolder $account_holder,
	string $description,
	string $ach_class = null,
	string $custom_tag = null,
	array $metadata = [],
	string $origination_account_id = null): object

• cancel(string $bank_transfer_id): object
• get(string $bank_transfer_id): object
• list( ?DateTime $start_date = null, ?DateTime $end_date = null, ?int $count = null, ?int $offset = null, ?string $direction = null, ?string $origination_account_id = null): object
• getEventList( ?DateTime $start_date = null, ?DateTime $end_date = null, ?string $bank_transfer_id = null, ?string $account_id = null, ?string $bank_transfer_type = null, array $event_type = [], ?int $count = null, ?int $offset = null, ?string $direction = null, ?string $origination_account_id = null): object
• syncEvents(string $after_id, ?int $count = null): object
• migrateAccount(string $account_number, string $routing_number, string $account_type): object
• getOriginationAccountBalance(string $origination_account_id = null): object

Example:

$transfers = $plaid->bank_transfers->list();

Categories

Resource: categories

Reference: https://plaid.com/docs/api/products/#categoriesget

Methods:

• list(): object

Example:

$categories = $plaid->categories->list();

Institutions

Resource: institutions

Reference: https://plaid.com/docs/api/institutions/

Methods:

• get(string $institution_id, array $country_codes, array $options = []): object
• list(int $count, int $offset, array $country_codes, array $options = []): object
• find(string $query, array $country_codes, array $products = [], array $options = []): object

Example:

$institutions = $plaid->institutions->list(20, 0);

Investments

Resource: investments

Reference: https://plaid.com/docs/api/products/#investments

Methods:

• listHoldings(string $access_token, array $options = []): object
• listTransactions(string $access_token, DateTime $start_date, DateTime $end_date, array $options = []): object

Example:

$holdings = $plaid->investments->listHoldings($access_token);

Tokens

Resource: tokens

Reference: https://plaid.com/docs/api/tokens/

Methods:

create(string $client_name,
	string $language,
	array $country_codes,
	User $user,
	array $products = [],
	?string $webhook = null,
	?string $link_customization_name = null,
	?AccountFilters $account_filters = null,
	?string $access_token = null,
	?string $redirect_url = null,
	?string $android_package_name = null,
	?string $payment_id = null,
	?string $institution_id = null,
	?int $transactions_days_requested = null): object

get(string $link_token): object

Example:

$token = $plaid->tokens->create($client_name, $language, ["US","CA"], $user_id);

Transaction history window

When the transactions product is initialized on an Item, Plaid requests 90 days of transaction history by default. Pass $transactions_days_requested to ask for a different window (maximum 730 days):

$token = $plaid->tokens->create(
	$client_name,
	$language,
	["US", "CA"],
	$user,
	["transactions"],
	transactions_days_requested: 730
);

This value is sent as transactions.days_requested and cannot be changed once the Item has been created, so request the full window you need up front. Omitting the argument leaves the payload untouched and Plaid's 90 day default applies.

Liabilities

Resource: liabilities

Reference: https://plaid.com/docs/api/products/#liabilities

Methods:

• list(string $access_token, array $options = []): object

Example:

$liabilities = $plaid->liabilities->list($access_token);

Items

Resource: items

Reference: https://plaid.com/docs/api/items/

Methods:

• get(string $access_token): object
• remove(string $access_token): object
• getIncome(string $access_token): object
• createPublicToken(string $access_token): object
• exchangeToken(string $public_token): object
• rotateAccessToken(string $access_token): object

$item = $plaid->items->get($access_token);

Webhooks

Resource: webhooks

Reference: https://plaid.com/docs/api/webhooks/

Methods:

• getVerificationKey(string $key_id): object
• update(string $access_token, string $webhook): object

Example:

$verification_key = $plaid->webhooks->getVerificationKey($key_id);

Transactions

Resource: transactions

Reference: https://plaid.com/docs/api/products/#transactions

Methods:

• list(string $access_token, DateTime $start_date, DateTime $end_date, array $options = []): object
• refresh(string $access_token): object
• sync(string $access_token, ?string $cursor = null, ?int $count = null, array $options = []): object
• recurring(string $access_token, array $account_ids, array $options = []): object

Example:

$transactions = $plaid->transactions->list($access_token, $start_date, $end_date);

Reports

Resource: reports

Reference: https://plaid.com/docs/assets/

Methods:

• createAssetReport(array $access_tokens, int $days_requested, array $options = []): object
• refreshAssetReport(string $asset_report_token, int $days_requested, array $options = []): object
• filterAssetReport(string $asset_report_token, array $exclude_accounts): object
• getAssetReport(string $asset_report_token, bool $include_insights = false): object
• getAssetReportPdf(string $asset_report_token): ResponseInterface Note: Because this endpoint returns PDF content in the repsponse body, this method returns an instance of a PSR-7 ResponseInterface. You may leverage the Response object to stream the PDF back to the requesting client and access response headers
• removeAssetReport(string $asset_report_token): object
• createAssetReportAuditCopy(string $asset_report_token, string $auditor_id): object
• removeAssetReportAuditCopy(string $audit_copy_token): object

Payment Initiation (UK only)

Resource: payments

Reference: https://plaid.com/docs/#payment-initiation

Methods:

• createRecipient(string $name, string $iban, RecipientAddress $address): object
• getRecipient(string $recipient_id): object
• listRecipients(): object
• create(string $recipient_id, string $reference, float $amount, string $currency, PaymentSchedule $payment_schedule = null): object
• createToken(string $payment_id): object
• get(string $payment_id): object
• list(array $options = []): object

Example:

$plaid->payments->createRecipient($name, $iban, $address);

Processors

Resource: processors

Reference: https://plaid.com/docs/api/processors

Methods:

• createToken(string $access_token, string $account_id, string $processor): object
• getAuth(string $processor_token): object
• getBalance(string $processor_token): object
• getIdentity(string $processor_token): object
• createStripeToken(string $access_token, string $account_id): object [?]
• createDwollaToken(string $access_token, string $account_id): object [?]

Sandbox

Resource: sandbox

Reference: https://plaid.com/docs/api/sandbox/

Methods:

• createPublicToken(string $institution_id, array $initial_products, array $options = []): object
• resetLogin(string $access_token): object
• setVerificationStatus(string $access_token, string $account_id, string $verification_status): object
• fireWebhook(string $access_token, string $webhook_code = "DEFAULT_UPDATE"): object
• simulateBankTransfer(string $bank_transfer_id, string $event_type, ?string $ach_return_code = null, ?string $failure_description = null): object

Example:

$response = $plaid->sandbox->fireWebhook($access_token);

Entities

User

The TomorrowIdeas\Plaid\Entities\User entity is used to represent your end user when creating a new link token.

Example:

$token_user = new User(
	string $id,
	?string $name = null,
	?string $phone_number = null,
	?string $phone_number_verified_time = null,
	?string $email_address = null,
	?string $ssn = null,
	?string $date_of_birth = null
)

RecipientAddress

The TomorrowIdeas\Plaid\Entities\RecipientAddress entity is used to represent an address object for the recipient of a payment request.

Example:

$address = new TomorrowIdeas\Plaid\Entities\RecipientAddress("123 Elm St.", "Apt 1", "Anytown", "ABC 123", "GB");

PaymentSchedule

Example:

The TomorrowIdeas\Plaid\Entities\PaymnentSchedule entity is used when creating a new payment that will be a recurring charge. See createPayment method for more information.

$payment_schedule = new TomorrowIdeas\Plaid\Entities\PaymnentSchedule(
    PaymentSchedule::INTERVAL_MONTHLY,
    15,
    new DateTime("2020-10-01")
);

Errors

All unsuccessfull (non 2xx) responses will throw a PlaidRequestException. The full response object is available via the getResponse() method.