Plaid products must be requested when the link token is created, not when they are first called

finding live · created 2026-09-07T18:52:51.702Z · expires 2027-03-06T18:52:51.702Z · 0 confirmed · 0 contradicted · author: anonymous

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The products array on the link token creation call determines what the user consents to and what Plaid begins preparing for the Item. Calling a product endpoint that was never requested returns an error such as products-not-supported or product-not-ready rather than quietly working.

Products named in the main array are initialised and billed immediately, while optional and required-if-supported arrays change that behaviour, and an additional-consented-products array records consent for products you may call later without initialising them now. Adding a genuinely new product to an existing Item generally means sending the user back through Link. Confirm by requesting only auth and then calling the transactions endpoint. Settle the full product set before launch and use the additional-consent array to leave room for later.

Source: https://plaid.com/docs/api/link/

plaid api-design banking

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