---
title: "Submit Plaid public token"
method: POST
path: "/plaid/callback/{plaid_link_token}"
tags: ["External Accounts"]
---

# Submit Plaid public token

`POST /plaid/callback/{plaid_link_token}`

After the customer completes Plaid Link authentication, the platform should POST
the public_token to this callback URL (provided in the link token response).

This will trigger asynchronous processing:
1. Lightspark exchanges the public_token for an access_token with Plaid
2. Lightspark retrieves and verifies the account details
3. An external account is created
4. A webhook notification is sent to the platform when complete

## Path parameters

- `plaid_link_token` string, required

## Request body

- PlaidCallbackRequest
  - `publicToken` string, required — The public token returned by Plaid Link after the customer successfully authenticates and selects an account.
  - `accountId` string — Optional Plaid account ID if the customer selected a specific account. If not provided, the default account will be used.

## Response `202`

A pending external account resource will be created and returned while the Grid API asynchronously processes the Plaid public token.

- ExternalAccount
  - `id` string, required — The system generated identifier of this account
  - `customerId` string — The customer this account is tied to, or null if the account is on behalf of the platform.
  - `status` 'PENDING' | 'ACTIVE' | 'UNDER_REVIEW' | 'INACTIVE', required — Status of an external account
  - `platformAccountId` string — Optional platform-specific identifier for this account
  - `currency` string, required — The ISO 4217 currency code
  - `defaultUmaDepositAccount` boolean — Whether this account is the default UMA deposit account for the customer. If true, incoming UMA payments to this customer's UMA address will be automatically deposited into this account instead of the primary internal account. False if not provided. Note that at most, one external account can be set as the default UMA deposit account for a customer. If there is no default UMA deposit account, incoming UMA payments will be deposited into the primary internal account for the customer.
  - `accountInfo` union, required
    - UsAccountExternalAccountInfo
      - `accountType` 'US_ACCOUNT', required — Type of external account or wallet
      - `accountNumber` string, required — US bank account number
      - `routingNumber` string, required — ACH routing number (9 digits)
      - `accountCategory` 'CHECKING' | 'SAVINGS', required — Type of account (checking or savings)
      - `bankName` string — Name of the bank
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - ClabeAccountExternalAccountInfo
      - `accountType` 'CLABE', required — Type of external account or wallet
      - `clabeNumber` string, required — 18-digit CLABE number (Mexican banking standard)
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - PixAccountExternalAccountInfo
      - `accountType` 'PIX', required — Type of external account or wallet
      - `pixKey` string, required — PIX key for Brazilian instant payments
      - `pixKeyType` 'CPF' | 'CNPJ' | 'EMAIL' | 'PHONE' | 'RANDOM', required — Type of PIX key being used
      - `taxId` string, required — Tax ID of the account holder
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - IbanAccountExternalAccountInfo
      - `accountType` 'IBAN', required — Type of external account or wallet
      - `iban` string, required — International Bank Account Number
      - `swiftBic` string, required — SWIFT/BIC code (8 or 11 characters)
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - UpiAccountExternalAccountInfo
      - `accountType` 'UPI', required — Type of external account or wallet
      - `vpa` string, required — Virtual Payment Address for UPI payments
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - NgnAccountExternalAccountInfo
      - `accountType` 'NGN_ACCOUNT', required — Type of external account or wallet
      - `accountNumber` string, required — Nigerian bank account number
      - `bankName` string, required — Name of the bank
      - `purposeOfPayment` 'GIFT' | 'SELF' | 'GOODS_OR_SERVICES' | 'EDUCATION' | 'HEALTH_OR_MEDICAL' | 'REAL_ESTATE_PURCHASE' | 'LOAN_PAYMENT' | 'TAX_PAYMENT' | 'UTILITY_BILL' | 'DONATION' | 'TRAVEL' | 'OTHER', required — Purpose of payment
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - CadAccountExternalAccountInfo
      - `accountType` 'CAD_ACCOUNT', required — Type of external account or wallet
      - `bankCode` string, required — Canadian financial institution number (3 digits)
      - `branchCode` string, required — Transit number identifying the branch (5 digits)
      - `accountNumber` string, required — Bank account number (7-12 digits)
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - GbpAccountExternalAccountInfo
      - `accountType` 'GBP_ACCOUNT', required — Type of external account or wallet
      - `sortCode` string, required — UK bank sort code (6 digits, may include hyphens)
      - `accountNumber` string, required — UK bank account number (8 digits)
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - PhpAccountExternalAccountInfo
      - `accountType` 'PHP_ACCOUNT', required — Type of external account or wallet
      - `bankName` string, required — Name of the beneficiary's bank
      - `accountNumber` string, required — Bank account number
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - SgdAccountExternalAccountInfo
      - `accountType` 'SGD_ACCOUNT', required — Type of external account or wallet
      - `bankName` string, required — Name of the beneficiary's bank
      - `swiftCode` string, required — SWIFT/BIC code (8 or 11 characters)
      - `accountNumber` string, required — Bank account number
      - `beneficiary` union, required
        - IndividualBeneficiary
          - `beneficiaryType` 'INDIVIDUAL', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `fullName` string, required — Individual's full name
          - `birthDate` string, date, required — Date of birth in ISO 8601 format (YYYY-MM-DD)
          - `nationality` string, required — Country code (ISO 3166-1 alpha-2)
        - BusinessBeneficiary
          - `beneficiaryType` 'BUSINESS', required — Whether the beneficiary is an individual or a business entity
          - `address` Address
            - `line1` string, required — Street address line 1
            - `line2` string — Street address line 2
            - `city` string — City
            - `state` string — State/Province/Region
            - `postalCode` string, required — Postal/ZIP code
            - `country` string, required — Country code (ISO 3166-1 alpha-2)
          - `legalName` string, required — Legal name of the business
          - `registrationNumber` string — Business registration number
          - `taxId` string — Tax identification number
    - SparkWalletExternalAccountInfo
      - `accountType` 'SPARK_WALLET', required — Type of external account or wallet
      - `address` string, required — Spark wallet address
    - LightningExternalAccountInfo — Lightning payment destination. Exactly one of `invoice`, `bolt12`, or `lightningAddress` must be provided.
      - `accountType` 'LIGHTNING', required — Type of external account or wallet
      - `invoice` string — 1-time use lightning bolt11 invoice payout destination
      - `bolt12` string — A bolt12 offer which can be reused as a payment destination
      - `lightningAddress` string — A lightning address which can be used as a payment destination. Note that for UMA addresses, no external account is needed. You can use the UMA address directly as a destination.
    - SolanaWalletExternalAccountInfo
      - `accountType` 'SOLANA_WALLET', required — Type of external account or wallet
      - `address` string, required — Solana wallet address
    - TronWalletExternalAccountInfo
      - `accountType` 'TRON_WALLET', required — Type of external account or wallet
      - `address` string, required — Tron wallet address
    - PolygonWalletExternalAccountInfo
      - `accountType` 'POLYGON_WALLET', required — Type of external account or wallet
      - `address` string, required — Polygon eth wallet address
    - BaseWalletExternalAccountInfo
      - `accountType` 'BASE_WALLET', required — Type of external account or wallet
      - `address` string, required — Base eth wallet address

## Other responses

- `400` — Bad request - Invalid public token or link token
- `404` — Link token not found or expired
- `409` — Link token already used
- `500` — Internal service error

## Changes

- **2026-02-05** `42f104b10868` — 119 breaking, 77 warning, 35 info
  - the `accountType` response property const value `BASE_WALLET` was removed for the status `202`
  - the `accountType` response property const value `CLABE` was removed for the status `202`
  - the `accountType` response property const value `IBAN` was removed for the status `202`
  - the `accountType` response property const value `NGN_ACCOUNT` was removed for the status `202`
  - …227 more
- **2026-01-28** `9592dab2f96c` — 1 warning
  - removed the optional property `allOf[subschema #1]/accountInfo/accountType` from the response with the `202` status
- **2026-01-28** `60af1189794c` — 1 breaking, 1 info
  - the `allOf[subschema #1]/accountInfo` response's property type/format changed from ``/`` to `object`/`` for status `202`
  - added the optional property `allOf[subschema #1]/accountInfo/accountType` to the response with the `202` status

[Change history](https://skmtc.dev/lightsparkdev/apis/grid-api/changes/plaid/callback/:plaid_link_token/post.md)

---

[API](https://skmtc.dev/lightsparkdev/apis/grid-api.md) · [All operations](https://skmtc.dev/lightsparkdev/apis/grid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/lightsparkdev/grid-api/revisions/42f104b10868/schema)