# Plaid MCP

```json
{
  "name": "Plaid MCP",
  "slug": "plaid_mcp",
  "url": "https://composio.dev/toolkits/plaid_mcp",
  "markdown_url": "https://composio.dev/toolkits/plaid_mcp.md",
  "logo_url": "https://logos.composio.dev/api/plaid_mcp",
  "categories": [
    "analytics & data"
  ],
  "is_composio_managed": false,
  "updated_at": "2026-09-06T05:34:01.970Z"
}
```

![Plaid MCP logo](https://logos.composio.dev/api/plaid_mcp)

## Description

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with Plaid MCP or direct API to monitor item health, check Link conversion rates, inspect API volumes, and surface team discovery through natural language.

## Summary

Plaid MCP is Plaid's diagnostics and analytics service for production Items, Link flows, and API metrics.
Use it to monitor Link conversion, surface Item health, and understand API volumes quickly.

## Categories

- analytics & data

## Toolkit Details

- Tools: 5

## Images

- Logo: https://logos.composio.dev/api/plaid_mcp

## Authentication

- **Dcr Oauth**
  - Type: `custom`
  - Description: Dcr Oauth authentication for Plaid MCP.
  - Setup:
    - Configure Dcr Oauth credentials for Plaid MCP.
    - Use the credentials when creating an auth config in Composio.

## Suggested Prompts

- List items with highest error rates
- Show Link conversion rates last week
- Get API volume trends for last month

## Supported Tools

| Tool slug | Name | Description |
|---|---|---|
| `PLAID_MCP_PLAID_DEBUG_ITEM` | Plaid debug item | Diagnose a Plaid item by retrieving its state information. This tool provides comprehensive information about why an item may not be working properly. Use this tool when you need to diagnose why an item is not functioning as expected In the response, you will see the following information: 1. Item State: - "Never extracted": no extraction has been attempted for this item yet - "Successful": The most recent extraction was successful - "Retrying": The most recent extraction encountered a temporary issue and is being retried - "Needs user attention": The item requires user input and client access is not permitted - "Needs user attention (with access)": The item requires user input but client access is permitted 2. Item Consent State: - Boolean indicating whether the item has active user consent - If an item is not consented, it cannot perform extractions or updates 3. Item Deleted At: - If set to a non-zero value, indicates when the item was deleted - Deleted items cannot retrieve data, and cannot be patched as it is requested by the end users - If the item is not deleted yet, the response will be "not available" 4. Known Issues: - Includes description and status of any known issues affecting the item - May provide insights into ongoing problems with the connection When diagnosing an item, follow this sequence: - First, check if the item is deleted. If yes, the item cannot work properly. - Second, if the item is not deleted but lacks active consent, it cannot function properly. - Third, if the item is not deleted: * Check item state. If it indicates the item needs user attention, the item requires manual intervention. * Note any known issues as supplementary information, though these are usually not the primary cause of problems. - If all diagnostics look normal but the user still reports issues, advise them to contact Plaid support. - If an item is deleted, it is not working properly. It is not patchable, you should suggest the user to create a new item. - If an item is missing active consent, it is not working properly. You should suggest the user to use Update Mode to reauthorize the item. - If an item state indicates it needs user attention, the user should use Update Mode to reauthorize the item. - If running into error "the item does not belong to the team", it means the item is not associated with the team. You must inform the user that the item does not belong to their selected team. You may ask if they would like to try other teams associated with their account, but do not automatically attempt other teams. - If an item cannot be found, it's possible the item is not in the Production environment. When explaining the error, inform the user that this is a possible reason for the error. |
| `PLAID_MCP_PLAID_GET_LINK_ANALYTICS` | Plaid get link analytics | Retrieves Plaid Link analytics data for analyzing user conversion and error rates. Use this tool when you need to: - Analyze Link conversion funnel metrics - Track user progression through the Link flow - Monitor error rates over time - Evaluate Link performance and user experience Some common use cases: - Monitoring Link conversion rates and identifying drop-offs - Analyzing conversion trends over specific time periods - Tracking error patterns and frequency (both by type and total via CountEntities) - Generating comprehensive Link performance reports - Comparing performance across different stages of the Link flow The response includes three main components: 1. Funnel Data (funnel): Tracks user progression through key Link stages with counts: - countAtLinkOpen: Number of users who opened Link - countAtSelectInstitution: Number who selected an institution - countAtHandoff: Number who completed the handoff process 2. Conversion Over Time (conversionOverTime): Time series data showing conversion trends with: - start: Timestamp marking the start of the series - series: Array of named data series, where each contains: * name: Identifier for the conversion metric * data: Array of counts, can contain null values 3. Errors Over Time (errorsOverTime): Time series tracking error occurrences with: - start: Timestamp marking the start of the series - series: Array of named data series, where each contains: * name: Error type identifier (includes "CountEntities" series for total errors across all types) * data: Array of error counts - If user does not provide a date range, please ask them to provide one. You could ask if they want to see the data for the last 30 days and you could use the current date as the end date. Note that the earliest date available for Link analytics data is September 1, 2023 (9/1/2023). |
| `PLAID_MCP_PLAID_GET_TOOLS_INTRODUCTION` | Plaid get tools introduction | Returns a list of all available tools with a brief introduction for each. Use this tool when users ask questions like "What is this Plaid MCP Server?" or "What tools are available?". Your response should follow this format: This is an official Plaid MCP Server made by Plaid. It provides the following functionalities: * - * - ... |
| `PLAID_MCP_PLAID_GET_USAGES` | Plaid get usages | Retrieves usage metrics for Plaid products and services. Use this tool when you need to: - Get usage data for specific metrics over a time period - Track product usage and consumption - Monitor API request volumes - Generate usage reports for billing purposes The data shows how many times each Plaid product was used within the specified date range for certain metrics, with results aggregated by day. Common metrics include number of API calls, authentication requests, and other product-specific usage counts. The key is the product name, and the value is the list of metric types corresponding to that product. - Auth: ["auth-request", "auth-unverified-request"] - Balance: "balance-request" - Identity: ["identity-request", "identity-match-request"] - Transactions: ["transactions", "transactions-add", "transactions-remove", "transactions-active", "transactions-refresh"] - Investments: ["investments-h-add", "investments-h", "investments-h-remove", "investments-h-active", "investments-t-add", "investments-t", "investments-t-remove", "investments-t-active"] - Investments Move: "investments-auth-request" - Liabilities: ["liabilities-add", "liabilities-remove", "liabilities-active", "liabilities"] - Assets: ["assets-add", "assets-pdf-request", "assets-refresh", "assets-refresh-monthly", "assets-audit-request", "assets-history-request"] - Payments: "payment_initiation-initd" - Enrich: "enriched-transaction" - Signal: "momo-frs-eval-request" - Income: ["income-bank-request", "income-bank-refresh", "income-payroll-request", "income-payroll-refresh", "income-document-request", "income-document-parsing", "income-doc-bank-statemnt", "income-document-fraud"] - Statements: "statements-single-doc" - Identity Verification: ["idv-base", "idv-lightning-group-1", "idv-lightning-group-2", "idv-lightning-group-3", "idv-document", "idv-selfie-check"] - Consumer Report: ["cra-bank-income-request", "cra-base-report-create", "cra-base-report-refresh", "cra-network-insights-req", "income-insights-refresh", "partner-prism-attrib", "partner-prism-scores"] - Monitor: ["monitor-wl-rescan-add", "monitor-wl-rescan-remove", "monitor-wl-base"] - Hosted Link Delivery: ["hosted-link-delivery-eml", "hosted-link-delivery-sms"] - Transfer: ["momo-transfer-ach", "momo-transfer-ach-sd", "momo-wire-request", "momo-rtp-request", "momo-transfer-g-ach", "momo-transfer-g-ach-sd", "momo-transfer-authorized", "momo-transfer-manual-req", "momo-transfer-return-unauthorized", "momo-transfer-return-noc", "momo-transfer-return-other"] - If a user asks for a product similar to one on this list and you're 99% confident it's the same product, query for the product on this list and inform them which product you're querying for. Otherwise, do not query an unrelated product. - "momo-frs-eval-request" is the metric type used in the API for Signal. When communicating with users, refer to it as "signal-request" instead. User: "I want to see the usage data for Transactions" Reasoning: The metric types for Transactions are ["transactions", "transactions-add", "transactions-remove", "transactions-active", "transactions-refresh"]. Input parameters: { "metric_types": ["transactions", "transactions-add", "transactions-remove", "transactions-active", "transactions-refresh"], // other fields ... } User: "What metrics are available for Identity Verification?" Response: We support the following metrics for Identity Verification: idv-base, idv-lightning-group-1, idv-lightning-group-2, idv-lightning-group-3, idv-document, idv-selfie-check. - If metric_types aren't provided, use "auth-request" as the default - If no date range is provided, ask the user for one (suggest last 30 days with current date as end date) - The maximum look-back period is limited to 1 year from the current date |
| `PLAID_MCP_PLAID_LIST_TEAMS` | Plaid list teams | Retrieve teams associated with the user and present them as a selectable list. After the user selects a team, capture the team_id of the selected team for use in subsequent tool requests. 1. You MUST return a numbered list of teams with their names clearly displayed in a human readable format in the conversation dialog - Format each team as: "{number}. {company name} (ID: {team_id})" - Example: "1. XXX Corporation (ID: fakeid00000000000000000)" 2. Ask the user explicitly to select a team by providing either: - The number from the list (e.g., "Please select team 3") - The exact team name (e.g., "I want to use XXX Corporation") - The team ID directly (e.g., "Use team fakeid00000000000000000") 3. After user selection, confirm their choice with a clear acknowledgment: - "You've selected: {company name} (ID: {team_id})" 4. Store and use this team_id for ALL subsequent tool requests that require a team_id parameter 5. Handle edge cases appropriately: - If only one team exists, auto-select it and confirm the selection - If no teams exist, clearly communicate this limitation to the user - If the response is empty, the user is not a member of any teams. Inform the user that they should visit dashboard.plaid.com to join or create a team. |

## Supported Triggers

None listed.

## Installation and MCP Setup

### Path 1: SDK Installation

#### Path 1, Step 1: Install Composio

Install the Composio SDK
```python
pip install composio_openai
```

```typescript
npm install @composio/openai
```

#### Path 1, Step 2: Initialize Composio and Create Tool Router Session

Import and initialize Composio client, then create a Tool Router session
```python
from openai import OpenAI
from composio import Composio
from composio_openai import OpenAIResponsesProvider

composio = Composio(provider=OpenAIResponsesProvider())
openai = OpenAI()
session = composio.create(user_id='your-user-id')
```

```typescript
import OpenAI from 'openai';
import { Composio } from '@composio/core';
import { OpenAIResponsesProvider } from '@composio/openai';

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
```

#### Path 1, Step 3: Execute Plaid MCP Tools via Tool Router with Your Agent

Get tools from Tool Router session and execute Plaid MCP actions with your Agent
```python
tools = session.tools
response = openai.responses.create(
  model='gpt-4.1',
  tools=tools,
  input=[{
    'role': 'user',
    'content': 'YOUR_SPECIFIC_PROMPT_HERE'
  }]
)
result = composio.provider.handle_tool_calls(
  response=response,
  user_id='your-user-id'
)
print(result)
```

```typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'YOUR_SPECIFIC_PROMPT_HERE'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
```

### Path 2: MCP Server Setup

#### Path 2, Step 1: Install Composio

Install the Composio SDK for Python or TypeScript
```python
pip install composio claude-agent-sdk
```

```typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
```

#### Path 2, Step 2: Initialize Client and Create Tool Router Session

Import and initialize the Composio client, then create a Tool Router session for Plaid MCP
```python
from composio import Composio
from claude_agent_sdk import ClaudeSDKClient, ClaudeAgentOptions

composio = Composio(api_key='your-composio-api-key')
session = composio.create(user_id='your-user-id')
# Example API calls you may use with Composio SDK: auth_configs.create(), connected_accounts.link(), mcp.create()
url = session.mcp.url
```

```typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });
const session = await composio.create('your-user-id');
// Example API calls you may use with Composio SDK: auth_configs.create(), connected_accounts.link(), mcp.create()
console.log(`Tool Router session created: ${session.mcp.url}`);
```

#### Path 2, Step 3: Connect to AI Agent

Use the MCP server with your AI agent (Anthropic Claude or Mastra)
```python
import asyncio

options = ClaudeAgentOptions(
    permission_mode='bypassPermissions',
    mcp_servers={
        'tool_router': {
            'type': 'http',
            'url': url,
            'headers': {
                'x-api-key': 'your-composio-api-key'
            }
        }
    },
    system_prompt='You are a helpful assistant with access to Plaid MCP tools.',
    max_turns=10
)

async def main():
    async with ClaudeSDKClient(options=options) as client:
        await client.query('YOUR_SPECIFIC_PROMPT_HERE')
        async for message in client.receive_response():
            if hasattr(message, 'content'):
                for block in message.content:
                    if hasattr(block, 'text'):
                        print(block.text)

asyncio.run(main())
```

```typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: session.mcp.url,
    headers: {
      'x-api-key': 'your-composio-api-key',
    },
  },
});

const tools = await client.tools();
const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{
    role: 'user',
    content: 'YOUR_SPECIFIC_PROMPT_HERE'
  }],
  maxSteps: 5,
});

console.log(`Agent: ${text}`);
```

## Why Use Composio?

### 1. AI Native Plaid MCP Integration

- Supports both Plaid MCP and direct API based integrations
- Structured, LLM-friendly schemas for reliable tool execution
- Rich coverage for reading and querying Plaid MCP diagnostics and metrics

### 2. Managed Auth

- Built-in OAuth handling with automatic token refresh and rotation for managed integrations
- Central place to manage, scope, and revoke Plaid MCP access
- Per user and per environment credentials instead of hard-coded keys

### 3. Agent Optimized Design

- Tools are tuned using real error and success rates to improve reliability over time
- Comprehensive execution logs so you always know what ran, when, and on whose behalf

### 4. Enterprise Grade Security

- Fine-grained RBAC so you control which agents and users can access Plaid MCP
- Scoped, least privilege access to Plaid MCP resources
- Full audit trail of agent actions to support review and compliance

## Use Plaid MCP with any AI Agent Framework

Choose a framework you want to connect Plaid MCP with:

- [ChatGPT Work](https://composio.dev/toolkits/plaid_mcp/framework/chatgpt)
- [Claude Cowork](https://composio.dev/toolkits/plaid_mcp/framework/claude-cowork)
- [Hermes](https://composio.dev/toolkits/plaid_mcp/framework/hermes-agent)

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## Frequently Asked Questions

### Do I need my own developer credentials to use Plaid MCP with Composio?

Yes, Plaid MCP requires you to configure your own Dcr Oauth credentials. Once set up, Composio handles secure credential storage and management for you.

### Can I use multiple toolkits together?

Yes! Composio's Tool Router enables agents to use multiple toolkits. [Learn more](https://docs.composio.dev/tool-router/overview).

### Is Composio secure?

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. [Learn more](https://trust.composio.dev).

### What if the API changes?

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

---
[See all toolkits](https://composio.dev/toolkits) · [Composio docs](https://docs.composio.dev/llms.txt)