Create a link_token for Plaid Link, exchange public_token for access_token.
Link tokens are short-lived, one-time use. Access tokens don't expire but
may need updating when users change passwords.
Transactions Sync
Use /transactions/sync for incremental transaction updates. More efficient
than /transactions/get. Handle webhooks for real-time updates instead of
polling.
Item Error Handling and Update Mode
Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode.
Listen for PENDING_DISCONNECT webhook to proactively prompt users.
Anti-Patterns
❌ Storing Access Tokens in Plain Text
❌ Polling Instead of Webhooks
❌ Ignoring Item Errors
⚠️ Sharp Edges
Issue
Severity
Solution
Issue
critical
See docs
Issue
high
See docs
Issue
high
See docs
Issue
high
See docs
Issue
medium
See docs
Issue
medium
See docs
Issue
medium
See docs
Issue
medium
See docs
Converted and distributed by TomeVault — claim your Tome and manage your conversions.
1---2name: davila7-claude-code-templates-plaid-fintech3description: Plaid Fintech4---56# Plaid Fintech78## Patterns910### Link Token Creation and Exchange1112Create a link_token for Plaid Link, exchange public_token for access_token.13Link tokens are short-lived, one-time use. Access tokens don't expire but14may need updating when users change passwords.151617### Transactions Sync1819Use /transactions/sync for incremental transaction updates. More efficient20than /transactions/get. Handle webhooks for real-time updates instead of21polling.222324### Item Error Handling and Update Mode2526Handle ITEM_LOGIN_REQUIRED errors by putting users through Link update mode.27Listen for PENDING_DISCONNECT webhook to proactively prompt users.282930## Anti-Patterns3132### ❌ Storing Access Tokens in Plain Text3334### ❌ Polling Instead of Webhooks3536### ❌ Ignoring Item Errors3738## ⚠️ Sharp Edges3940| Issue | Severity | Solution |41|-------|----------|----------|42| Issue | critical | See docs |43| Issue | high | See docs |44| Issue | high | See docs |45| Issue | high | See docs |46| Issue | medium | See docs |47| Issue | medium | See docs |48| Issue | medium | See docs |49| Issue | medium | See docs |5051---52> Converted and distributed by [TomeVault](https://tomevault.io/claim/davila7) — claim your Tome and manage your conversions.53<!-- tomevault:4.0:skill_md:2026-04-11 -->
Run npx skillmds@latest add tomevault-io/davila7-claude-code-templates-plaid-fintech in your terminal (requires Node.js), paste this page's agent-chat prompt into Claude, Cursor, or any MCP-connected agent, or download the SKILL.md file and copy it into your agent's skills directory.
Plaid Fintech It is listed under Coding & Dev Tools on SkillMD.
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