A WireMock simulation of Plaid's REST API — covering account-holder identity, match scoring, document uploads, and refresh.
A shared instance of this template runs on a public endpoint — call it right now from curl, an SDK, or an AI agent. Responses are fixed examples and behavior can't be changed; rate limits apply.
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A running WireMock Cloud instance of this template, callable right now from a terminal, a script, or an AI agent.
Endpoints
POST Get Identity
curl -s -X POST 'https://o9d97.wiremockapi.cloud/identity/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Match Identity
curl -s -X POST 'https://o9d97.wiremockapi.cloud/identity/match' \
-H 'Content-Type: application/json' \
-d '{}'POST Get Identity Document Uploads
curl -s -X POST 'https://o9d97.wiremockapi.cloud/identity/documents/uploads/get' \
-H 'Content-Type: application/json' \
-d '{}'Spec catalog — The Plaid API (2020-09-14_1.688.6) · 4 endpoints
| Method | Path | Summary |
|---|---|---|
| POST | /identity/documents/uploads/get | Returns uploaded document identity |
| POST | /identity/get | Retrieve identity data |
| POST | /identity/match | Retrieve identity match score |
| POST | /identity/refresh | Refresh identity data |
Unauthenticated WireMock Cloud demo sandbox for Plaid — not an official Plaid sandbox, and it returns simulated example data only.
The account holder here is Alberta Bobbeth Charleson — the same test persona Plaid's own sandbox institutions use — and /identity/get returns her as a proper owners object on the checking account: a names array, a home phone, a primary email, and a structured Malakoff, NY address. The companion /identity/match route scores an applicant against that record, answering with per-field scores and the boolean diagnostics beneath them — is_nickname_match, is_postal_code_match, is_business_name_detected — which is the layer onboarding risk logic actually branches on.
Plaid's identity schema allows joint accounts and multiple contact points, so names, emails, phone_numbers, and addresses are all plural, each address wrapped in a data object with a primary flag. Parsers written against a single flat name break on real responses — the fixture's shape keeps that mistake from surviving a test run.
Not on this instance; every field reports a perfect score with benign flags. Threshold logic — treat 85 as a review case, fail on a postal mismatch — belongs against a WireMock Cloud copy where each score is an editable stub value instead of a constant.
Yes — Alberta Bobbeth Charleson, accountholder0@example.com, and the 2992 Cameron Road address are the identity Plaid's test institutions return, so fixtures and assertions written here transfer directly to tests that later run against Plaid's own sandbox environment.
No — this product reads who owns an already-linked bank account. The KYC journey for someone with no linked account — document checks, selfie checks, watchlist screening — is the Identity Verification template, a much larger surface that models the verification lifecycle itself.
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