A WireMock simulation of Plaid's REST API — covering bank income, payroll income, employment verification, and employer search.
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Endpoints
POST Get Credit Bank Income
curl -s -X POST 'https://jy8yy.wiremockapi.cloud/credit/bank_income/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Get Credit Bank Income PDF
curl -s -X POST 'https://jy8yy.wiremockapi.cloud/credit/bank_income/pdf/get' \
-H 'Content-Type: application/json' \
-d '{}'POST Refresh Credit Bank Income
curl -s -X POST 'https://jy8yy.wiremockapi.cloud/credit/bank_income/refresh' \
-H 'Content-Type: application/json' \
-d '{}'Spec catalog — The Plaid API (2020-09-14_1.688.6) · 19 endpoints
| Method | Path | Summary |
|---|---|---|
| POST | /credit/bank_income/get | Retrieve information from the bank accounts used for income verification |
| POST | /credit/bank_income/pdf/get | Retrieve information from the bank accounts used for income verification in PDF format |
| POST | /credit/bank_income/refresh | Refresh a user's bank income information |
| POST | /credit/bank_income/webhook/update | Subscribe and unsubscribe to proactive notifications for a user's income profile |
| POST | /credit/bank_statements/uploads/get | Retrieve data for a user's uploaded bank statements |
| POST | /credit/employment/get | Retrieve a summary of an individual's employment information |
| POST | /credit/payroll_income/get | Retrieve a user's payroll information |
| POST | /credit/payroll_income/parsing_config/update | Update the parsing configuration for a document income verification |
| POST | /credit/payroll_income/precheck | Check income verification eligibility and optimize conversion |
| POST | /credit/payroll_income/refresh | Refresh a digital payroll income verification |
| POST | /credit/payroll_income/risk_signals/get | Retrieve fraud insights for a user's manually uploaded document(s). |
| POST | /credit/sessions/get | Retrieve Link sessions for your user |
| POST | /employers/search | Search employer database |
| POST | /employment/verification/get | (Deprecated) Retrieve a summary of an individual's employment information |
| POST | /income/verification/create | (Deprecated) Create an income verification instance |
| POST | /income/verification/documents/download | (Deprecated) Download the original documents used for income verification |
| POST | /income/verification/paystubs/get | (Deprecated) Retrieve information from the paystubs used for income verification |
| POST | /income/verification/precheck | (Deprecated) Check digital income verification eligibility and optimize conversion |
| POST | /income/verification/taxforms/get | (Deprecated) Retrieve information from the tax documents used for income verification |
Unauthenticated WireMock Cloud demo sandbox for Plaid — not an official Plaid sandbox, and it returns simulated example data only.
Nineteen endpoints span both generations of Plaid's income product: the current /credit family and five deprecated /income/verification routes kept answering beside it. Bank income reports a SALARY-category EMPLOYER PAYROLL source on the First Platypus checking account; the employment route returns an active W2 record — software engineer at Acme Corp since 2020, platform ids included — and employer search resolves Acme Corp at full confidence. The richest document payload sits on the legacy side, where the paystub route serves a complete stub-level paystub: biweekly pay period, 5,000 gross, employer address, deductions, and net pay.
A twenty-byte body reading "%PDF-1.4 placeholder", served with a genuine application/pdf content type. That's enough to test download plumbing — content-type routing, file persistence, attachment handling — while rendering or text-extracting the document is out of scope for the sandbox.
The modern payroll route reports READY processing status but keeps pay_stubs, w2s, and form1099s empty, while the deprecated paystubs route carries the fully-detailed document. Code that needs populated earnings and deductions can read the legacy shape, or graft that detail onto the modern route in a private copy.
They're stubbed on purpose — teams migrating from /income/verification to the /credit family can run both generations against one host and diff their handling. For new integrations, treat the legacy routes as reference material rather than a target; Plaid's spec marks every one of them deprecated.
In production, from transaction streams — recurring deposits scored as income — which is why the source here names EMPLOYER PAYROLL yet its transactions array stays empty. Deposit-pattern logic itself is better exercised on the Transactions template, whose fixtures include the raw transaction objects this product summarizes.
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