Fintech
Does the Plaid API match its OpenAPI spec?
YesAll 10 operations we tested return responses that match Plaid's published OpenAPI spec (last run 1 Nov 2026).
plaid.contract[*]
Spec match
100%
10 of 10 operations
Mismatches
0
distinct findings
First response
0.48s
median of tested calls
Last run
1 Nov
16:18 UTC
Contract vs. published spec
Every tested operation returned a 2xx response whose body matches the spec.
Sandbox only: creates a test bank login, then reads the item, accounts, balances, auth, identity and transactions. Plaid uses POST for reads, so these are POST calls against sandbox.plaid.com.
Vendor-reported status · 45 days
45 days agotoday
- API now
- operational
- Incident-free days
- 88.9%
- API incidents
- 5
- Mean time to resolve
- 3h 16m
- degradedService Disruption Impacting Wells Fargo connections26 Oct, 02:04 UTC
- degradedService Disruption Impacting Chase connections22 Oct, 03:34 UTC
- degradedService Disruption Impacting Chase connections21 Oct, 03:18 UTC
- degradedService Disruption Impacting Chase connections11 Oct, 08:25 UTC
- degradedService Disruption Impacting Bank of America connections26 Sep, 03:40 UTC
Mirrored from status.plaid.com. Counts incidents tagged to the API component plus untagged, vendor-wide ones.
Test the Plaid API yourself
Portman turns the published spec into contract tests and runs them with Newman.
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Questions
- Does the Plaid API match its OpenAPI spec?
- Yes. All 10 operations we tested return responses that match Plaid's published OpenAPI spec (last run 1 Nov 2026).
- Where is the Plaid OpenAPI spec?
- Plaid publishes its OpenAPI description at https://github.com/plaid/plaid-openapi.
- Is the Plaid API down?
- Plaid's status page reported the API as operational at our last check. Over the last 45 days, 88.9% of days had no API incident, with 5 incidents in total. Live status: https://status.plaid.com.
- How can I contract-test the Plaid API myself?
- Run Portman against the spec: npx @apideck/portman -u https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml --runNewman. Portman generates contract tests for every operation and checks status codes, content types and response schemas.