Plaid

IntegratedPISP / aggregator

Bank linking, UK payment initiation, VRP consents and identity verification through Plaid Link.

Connect in the dashboardplaid.com ↗

What it does

Each capability by country. Integrated means Unirail’s adapter does it today; listed means Plaid offers it according to its public documentation, and Unirail can’t route it yet.

Banking

  • Account detailsbanking.ais.account-details

    The account and routing details of an account the user links: sort code and account number, IBAN, ACH routing and account number.

  • Balancesbanking.ais.balances

    Current and available balance of a linked account.

  • Transactionsbanking.ais.transactions

    Transaction history of a linked account.

  • Account insightsbanking.ais.insights

    Data derived from linked accounts: income and employment, assets, cash flow, categorisation and underwriting reports.

    • listedATBEDEDKEEESFIFRGBIEITLTLVNLNOPLPTSEUSCA

      By product: Enrich in the US and Canada; Income in the US, Canada and the UK; Assets in the US, Canada and Europe; Consumer Report in the US only.

      Source, checked 2026-10-08 ↗
  • Single paymentsbanking.pis.single

    One immediate payment from the payer's bank account, approved by the payer at their bank.

    • integratedGB
    • listedATBEDEDKEEESFIFRIEITLTLVNLNOPLPTSE

      GBP, EUR, PLN, SEK, DKK and NOK over Faster Payments, SEPA Credit Transfer and SCT Inst.

      Source, checked 2026-10-08 ↗
  • Scheduled paymentsbanking.pis.scheduled

    A payment the payer approves now for a later date, or a standing order.

  • Sweeping VRPbanking.pis.vrp-sweeping

    UK variable recurring payments between accounts the same person holds (sweeping), under one long-lived mandate.

    • integratedGB

      On by default in the sandbox; production needs Plaid to enable VRP and reusable payments switched on for the connection.

  • Commercial VRPbanking.pis.vrp-commercial

    UK variable recurring payments to a merchant or other third party (commercial VRP) under one mandate.

  • Payoutsbanking.payouts

    Sending money from a balance the provider or the platform holds to a recipient's account.

  • Virtual accountsbanking.pay-ins.virtual-accounts

    Collection accounts with their own local details (virtual IBANs, sort codes, routing numbers) that receive money for the platform or its users.

  • Direct debitsbanking.pay-ins.debit

    Pulling money from the payer's account under a mandate: ACH debit, Bacs Direct Debit, SEPA Direct Debit.

Verification

  • Account ownershipverification.ownership

    Proving the user holds an account by linking it at their bank; the bank returns the holder's name where it reports one.

    • integratedGB

      The user links the account themselves, so Unirail records it as verified (own link).

    • listedATBEDEDKEEESFIFRIEITLTLVNLNOPLPTSEUSCA

      Plaid Identity returns the holder's name, address, email and phone.

      Source, checked 2026-10-08 ↗
  • Micro-depositsverification.micro-deposits

    Small deposits the user confirms to prove they control an account that can't be linked.

Identity

  • ID document checkidentity.kyc.document

    Capturing a government ID document and checking it is genuine.

    • integratedGB

      Runs whichever checks the connection's Plaid Identity Verification template enables; needs a template id on the connection.

    • listedATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINOUSCASGHKAUJP

      Plaid accepts IDs from every country except North Korea, Libya, DR Congo, Iran, Cuba and Syria; listed here are the markets Unirail tracks. The platform must be based in the US, Canada or the UK.

      Source, checked 2026-10-08 ↗
  • Selfie and livenessidentity.kyc.biometric

    A selfie or video with liveness detection, matched to the ID document's photo.

    • integratedGB

      When the Plaid Identity Verification template includes the selfie check.

    • listedATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINOUSCASGHKAUJP

      Plaid accepts IDs from every country except North Korea, Libya, DR Congo, Iran, Cuba and Syria; listed here are the markets Unirail tracks. The platform must be based in the US, Canada or the UK.

      Source, checked 2026-10-08 ↗
  • Database checkidentity.kyc.database

    Checking name, address, date of birth or ID number against credit bureau, government or telco records. Coverage is country by country.

    • integratedGB

      When the Plaid Identity Verification template includes data source verification.

    • listedATAUBECACZDEDKESFIFRHKIEITJPLUNLNOPLPTSESGSKUS

      Plaid lists 40 countries for data source checks; these are the ones in markets Unirail tracks.

      Source, checked 2026-10-08 ↗
  • Identity prefillidentity.prefill

    Filling in a user's identity from a network or their phone or bank, so onboarding asks for less. It is not a check by itself.

Compliance

  • Sanctions screeningcompliance.screening.sanctions

    Screening people and businesses against sanctions and watchlists.

    • listedGBATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINOUSCASGHKAUJP

      Plaid Monitor screens against global lists, once and ongoing; the platform must be based in the US, Canada or the UK.

      Source, checked 2026-10-08 ↗
  • PEP screeningcompliance.screening.pep

    Screening for politically exposed persons and their close associates.

    • listedGBATBEBGCYCZDEDKEEESFIFRGRHRHUIEITLTLULVMTNLPLPTROSESISKISLINOUSCASGHKAUJP

      Plaid Monitor; same conditions as sanctions screening.

      Source, checked 2026-10-08 ↗

Risk

  • Return riskrisk.payment-return

    Scoring how likely a bank debit is to be returned, for example for insufficient funds.

  • Fraud signalsrisk.fraud-signals

    Fraud signals: device and behaviour, synthetic identities and shared fraud networks.

Reaches many banks through open banking: links accounts and starts payments that go straight from the payer’s bank to the payee’s.

Coverage

Countries Unirail routes today

  • GB United Kingdom

Account schemes

  • payto://scan
    UK sort code and account number

Custody

Who holds the money while a payment through Plaid is in flight. Unirail records custody on every leg, and your routing policy decides which kinds are allowed.

  • noneNo custody

    Nobody holds the money. The payer’s bank pays the payee’s bank directly; the provider only instructs it.

Who is regulated

Plaid is the PISP and AISP; the platform contracts with Plaid directly.

With your own contract, you stay the provider’s customer. Unirail acts as your technical service provider and calls Plaid with your credentials.

Onboarding

Sandbox
Self-serve sandbox
Production
Contract with the provider

Production Payment Initiation needs Plaid's approval of the use case; VRP is enabled separately.

Credentials

Create these keys in your Infisical, under the base path you bound to the Unirail environment (/unirail unless you chose another), in a folder named plaid. Unirail reads them through OIDC federation and never stores them.

<basePath>/<railId>/<KEY>
  • /unirail/plaid/CLIENT_ID
    Plaid client id for this environment
    identifier
  • /unirail/plaid/SECRET
    Plaid secret for the matching Plaid environment (sandbox or production)
    secret
Connect Infisical with OIDC →

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