Plaid Fintech Patterns Link Token Creation and Exchange
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