Plaid integrations, Link flows that don't drop users, webhooks that don't lose events.
Plaid is easy to plug in and hard to operate. The first integration takes a day; the next twelve months are spent on the parts the quickstart doesn't cover: Link errors users actually hit, webhook idempotency under retries, account refresh when the bank changes its consent flow. We build for what happens after the demo.
What we build
Link flows that survive every bank
OAuth-required institutions, MFA prompts, identity verification, account selection, all handled. The Link error states map to specific user-facing copy, not a generic 'something went wrong'. Re-link flows for re-consent are first-class.
Webhook ingestion that doesn't lose data
Plaid webhooks arrive out of order, occasionally duplicate, and sometimes get dropped. The ingestion path dedupes on event ID, persists raw payloads, and processes them through an idempotent worker. Plaid replay is a one-command operation when something does slip.
Account refresh as a background job
Transactions and balances refresh on Plaid's cadence, not synchronously on user request. BullMQ workers fan out per-item refreshes, respect Plaid's rate limits, and surface stale data to the UI when refresh fails. Users see freshness, not error spinners.
Item health monitoring
Items go bad: consents expire, banks change OAuth, MFA tokens need renewal. We watch the `ITEM_LOGIN_REQUIRED` and `PENDING_EXPIRATION` webhooks and surface re-link prompts in the UI before the user notices their data is stale.
Production-grade access controls
Plaid access tokens are vault-stored, never logged, and rotated when an item is re-linked. The UI never sees a `link_token` or `access_token`; the backend mediates. SOC 2 evidence is in the access logs, not in a screenshot folder.
Sandbox + Development + Production parity
The same code path runs against Plaid Sandbox, Development, and Production. Environment flips through one env var. Sandbox webhooks are exercised in tests; production webhooks are dry-run-able locally via the Plaid CLI.
Where this fits
You're building a FinTech that reads accounts via Plaid and you need it to be reliable enough that your CX team isn't drowning in 'why is my balance wrong' tickets.
Your Plaid integration was built in 2023 and the webhook handler is a single endpoint that throws on every retry storm.
You're hitting Plaid's Development → Production transition and the rate limits + KYC requirements are turning into a release blocker.
Tech stack
- TypeScript
- Plaid Link
- Plaid SDK
- Webhooks
- Postgres
Want this for your team?
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