The official Ruby bindings for the Plaid API. It's generated from our OpenAPI schema.
Add this line to your application's Gemfile:
gem 'plaid'And then execute:
$ bundle
Or install it yourself as:
$ gem install plaid
The gem supports Ruby 2.4.0+ only.
Versions > 14 are generated from our OpenAPI schema. For previous non-generated versions, check out 13.2.0.
Each major version of plaid-ruby targets a specific version of the Plaid API:
| API version | plaid-ruby release |
|---|---|
2020-09-14 (latest) |
12.x.x, 13.x.x, 14.x.x |
2019-05-29 |
11.x.x, 10.x.x, 9.x.x, 8.x.x, 7.x.x |
2018-05-22 |
6.x.x |
2017-03-08 |
5.x.x |
For information about what has changed between versions and how to update your integration, head to the version changelog.
This gem wraps the Plaid API, which is fully described in the documentation and in the plaid-openapi spec.
Create an instance of the client using the client_id and secret from your Plaid dashboard along with your environment of choice:
require 'plaid'
configuration = Plaid::Configuration.new
configuration.server_index = Plaid::Configuration::Environment["sandbox"]
configuration.api_key["PLAID-CLIENT-ID"] = "***"
configuration.api_key["PLAID-SECRET"] = "***"
api_client = Plaid::ApiClient.new(
configuration
)
client = Plaid::PlaidApi.new(api_client)The server_index field is the environment which the client will be running in. Your choices for the server_index field include:
Plaid::Configuration::Environment["sandbox"]allows you to do your initial integrations tests against preloaded data without being billed or making expensive API calls. More information about using the API sandbox can be found on the API Sandbox documentation.Plaid::Configuration::Environment["development"]allows you to test against both real and test accounts without being billed. More information about Plaid test accounts can be found in our API documentation.Plaid::Configuration::Environment["production"]is the production environment where you can launch your production ready application and be charged for your Plaid usage.
The gem uses Faraday to wrap HTTPS connections, which allows you to tune certain params:
client = Plaid::Configuration.new do |builder|
Plaid::Configuration.default()
# Increase network timeout
builder.options[:timeout] = 60*20 # 20 minutes
end# Grab the client_user_id by searching for the current user in your database
user = User.find_by!(email: '***')
client_user_id = user.id
# Create the link_token with all of your configurations
link_token_create_request = Plaid::LinkTokenCreateRequest.new({
:user => { :client_user_id => client_user_id.to_s },
:client_name => 'My app',
:products => %w[auth transactions],
:country_codes => ['US'],
:language => 'en'
})
link_token_response = client.link_token_create(
link_token_create_request
)
# Pass the result to your client-side app to initialize Link
# and retrieve a public_token
link_token = link_token_response.link_tokenIf you have a Link public token, use this function to get an access_token: client.item_public_token_exchange(request)
An example of the function's usage if you have a public_token in hand:
request = Plaid::ItemPublicTokenExchangeRequest.new
request.public_token = public_token
response = client.item_public_token_exchange(request)
access_token = response.access_tokenrequest = Plaid::ItemPublicTokenExchangeRequest.new
request.public_token = public_token
response = client.item_public_token_exchange(request)
access_token = response.access_token
# Provide the access_token for the Item you want to remove
item_remove_request = Plaid::ItemRemoveRequest.new
item_remove_request.access_token = access_token
client.item_remove(item_remove_request)request = Plaid::ItemPublicTokenExchangeRequest.new
request.public_token = public_token
response = client.item_public_token_exchange(request)
access_token = response.access_token
transactions_get_request = Plaid::TransactionsGetRequest.new
transactions_get_request.access_token = access_token
transactions_get_request.start_date = "2020-01-01"
transactions_get_request.end_date = "2021-01-01"
transaction_response = client.transactions_get(transactions_get_request)
transactions = transaction_response.transactions
# the transactions in the response are paginated, so make multiple calls while
# increasing the offset to retrieve all transactions
while transactions.length < transaction_response['total_transactions']
options_payload = {}
options_payload[:offset] = transactions.length
transactions_get_request = Plaid::TransactionsGetRequest.new
transactions_get_request.access_token = access_token
transactions_get_request.start_date = "2020-01-01"
transactions_get_request.end_date = "2021-01-01"
transaction_response = client.transactions_get(transactions_get_request)
transactions += transaction_response.transactions
endIf you have an access_token, you can use following code to retreive data:
request = Plaid::ItemPublicTokenExchangeRequest.new
request.public_token = public_token
response = client.item_public_token_exchange(request)
access_token = response.access_token
auth_get_request = Plaid::AuthGetRequest.new
auth_get_request.access_token = access_token
auth_response = client.auth_get(access_token)
auth = auth_response.authThere are also a number of other methods you can use to retrieve data:
client.accounts_get(Plaid::AccountsGetRequest({:access_token => access_token, ...})): accountsclient.accounts_balance_get(Plaid::AccountsBalanceGetRequest({:access_token => access_token, ...})): real-time balancesclient.auth_get(Plaid::AuthGetRequest({:access_token => access_token, ...})): authclient.identity_get(Plaid::IdentityGetRequest({:access_token => access_token, ...})): identityclient.transactions_get(Plaid::TransactionsGetRequest({:access_token => access_token, ...})): transactionsclient.investments_transactions_get(Plaid::InvestmentsTransactionsGetRequest({:access_token => access_token, ...})): investment-account transactionsclient.investments_holdings_get(Plaid::InvestmentsHoldingsGetRequest({:access_token => access_token, ...})): investment-account holdings
All of these methods return appropriate data. More information can be found on the API documentation.
Exchange a Plaid Link public_token for an API access_token and a Stripe bank_account_token:
request = Plaid::ItemPublicTokenExchangeRequest.new
request.public_token = public_token
response = client.item_public_token_exchange(request)
access_token = response.access_token
processor_token_create_request = Plaid::ProcessorStripeBankAccountTokenCreateRequest.new
processor_token_create_request.access_token = access_token
processor_token_create_request.account_id = '[Account ID]'
stripe_response = client.processor_stripe_bank_account_token_create(processor_token_create_request)
bank_account_token = stripe_response.stripe_bank_account_tokenYou can request category information:
categories = client.categories_get # Array of all known categoriesFinancial institution information is available as shown below where the function arguments represent count and offset:
institutions_get_request = Plaid::InstitutionsGetRequest.new({
:count => 3,
:offset => 1,
:country_codes => ["US"],
})
response = client.institutions_get(institutions_get_request)Any methods making API calls will result in an exception raised unless the response code is "200: Success" or "210: MFA Required".
Plaid::ApiError is returned in response to API internal server errors.
Read more about response codes and their meaning in the Plaid documentation.
Any API call returns a response object which is accessible by dot notation
(response.foo.bar) or Symbols and Strings as keys: response[:foo][:bar]
and response['foo']['bar']. Expected keys for all types of responses are defined,
and any attempt to access an unknown key will cause NoMethodError exception.
Bug reports are welcome on GitHub at https://github.com/plaid/plaid-ruby. See also contributing guidelines. As the library is auto-generated, pull requests are automatically closed.
The gem is available as open source under the terms of the MIT License.
If you're looking for a Ruby client that works with the legacy Plaid API, use the plaid-legacy gem.