A WireMock simulation of Plaid's REST API — covering the identity-verification lifecycle and individual and entity watchlist screening.
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 Create - /identity_verification/create
curl -s -X POST 'https://rqzqj.wiremockapi.cloud/identity_verification/create' \
-H 'Content-Type: application/json' \
-d '{}'POST Get - /identity_verification/get
curl -s -X POST 'https://rqzqj.wiremockapi.cloud/identity_verification/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Retry - /identity_verification/retry
curl -s -X POST 'https://rqzqj.wiremockapi.cloud/identity_verification/retry' \
-H 'Content-Type: application/json' \
-d '{}'Spec catalog — The Plaid API (2020-09-14_1.688.6) · 26 endpoints
| Method | Path | Summary |
|---|---|---|
| POST | /dashboard_user/get | Retrieve a dashboard user |
| POST | /dashboard_user/list | List dashboard users |
| POST | /identity_verification/create | Create a new Identity Verification |
| POST | /identity_verification/get | Retrieve Identity Verification |
| POST | /identity_verification/list | List Identity Verifications |
| POST | /identity_verification/retry | Retry an Identity Verification |
| POST | /watchlist_screening/entity/create | Create a watchlist screening for an entity |
| POST | /watchlist_screening/entity/get | Get an entity screening |
| POST | /watchlist_screening/entity/history/list | List history for entity watchlist screenings |
| POST | /watchlist_screening/entity/hit/list | List hits for entity watchlist screenings |
| POST | /watchlist_screening/entity/list | List entity watchlist screenings |
| POST | /watchlist_screening/entity/program/get | Get entity watchlist screening program |
| POST | /watchlist_screening/entity/program/list | List entity watchlist screening programs |
| POST | /watchlist_screening/entity/review/create | Create a review for an entity watchlist screening |
| POST | /watchlist_screening/entity/review/list | List reviews for entity watchlist screenings |
| POST | /watchlist_screening/entity/update | Update an entity screening |
| POST | /watchlist_screening/individual/create | Create a watchlist screening for a person |
| POST | /watchlist_screening/individual/get | Retrieve an individual watchlist screening |
| POST | /watchlist_screening/individual/history/list | List history for individual watchlist screenings |
| POST | /watchlist_screening/individual/hit/list | List hits for individual watchlist screening |
| POST | /watchlist_screening/individual/list | List Individual Watchlist Screenings |
| POST | /watchlist_screening/individual/program/get | Get individual watchlist screening program |
| POST | /watchlist_screening/individual/program/list | List individual watchlist screening programs |
| POST | /watchlist_screening/individual/review/create | Create a review for an individual watchlist screening |
| POST | /watchlist_screening/individual/review/list | List reviews for individual watchlist screenings |
| POST | /watchlist_screening/individual/update | Update individual watchlist screening |
Unauthenticated WireMock Cloud demo sandbox for Plaid — not an official Plaid sandbox, and it returns simulated example data only.
Twenty-six endpoints make this the deepest identity surface in the Plaid set, split between the verification lifecycle and a full watchlist- screening tree. A created verification comes back around the Leslie Knope test persona with all seven steps — accept_tos through kyc_check, documentary_verification, selfie_check, watchlist_screening, and risk_check — reporting success, alongside the kyc_check breakdown and selfie analysis blocks a decision engine consumes. Two id formats coexist by design: create mints a fresh UUID on every call, while get answers with Plaid's idv_-prefixed style, so parsers meet both shapes they'll see in production traffic.
No — every step of every record reports success, which makes the sandbox a clean fixture for the approve path. Failure handling is where the step structure pays off in a private copy: flip kyc_check or selfie_check to failed in your own stubs and the decision engine's reject branch becomes a repeatable test.
Two different states on two different routes: creating an individual screening returns a record already cleared, while the hit-listing route serves a US_SDN match still in pending_review with its analysis block attached. Between them, status-driven compliance code sees both a resolved case and one awaiting an analyst.
Not if it stops only when next_cursor disappears — the listing stubs return the same page with the same cursor every time. Bound pagination by page count or by content when testing against the shared instance, or script a terminating sequence in a WireMock Cloud copy.
Opposite ends of the trust problem. The Identity template reports who owns a bank account that's already linked; this product decides whether a person is who they claim before any account enters the picture — documents, selfie, sanctions lists, and all.
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