plaid

Get EWA Score Report

The /beta/ewa_report/v1/get endpoint provides an Earned Wage Access (EWA) score that quantifies the delinquency risk associated with a given item. The score is derived from a combination of cashflow patterns and network-based behavioral features.

The response returns a list of EWA scores, where each score corresponds to a potential advance amount range. These scores estimate the likelihood of repayment for advances within that range.

Score range: 1-99

Interpretation: Higher scores indicate a greater likelihood of repayment.

This endpoint enables clients to assess repayment risk and make data-driven decisions when determining eligibility or limits for earned wage advances.

post/beta/ewa_report/v1/get

Request body

access_tokenstring required

The access token associated with the Item for which data is being requested.

client_idstring

Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.

secretstring

Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.

Response

request_idstring

A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

ewa_report_idstring

Unique identifier for the generated EWA score group.

generation_timestring date-time

The date and time when ewa_scores was generated, in ISO 8601 format (e.g. "2018-04-12T03:32:11Z").

ewa_attributesEwaAttributes nullable

A set of attributes providing context about the factors that contributed to the EWA scores. Each key is the attribute name and the value is its numeric score, or null if the attribute could not be computed.

Changes

Changed in 8 of the 52 revisions of this API.1155

Jul 22, 2026a1bbca01816013See the full diff
- ●
  added the new ASSETS_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new CRA_MONITORING_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new CREDIT_PROFILE_REPORT_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new ENCOMPASS_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new ENRICH_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new FRAUD_INSIGHTS_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new FREDDIE_MAC_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new LINK_DELIVERY_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new PROFILE_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new RECURRING_TRANSACTIONS_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new STATEMENTS_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new TRANSFER_RECURRING_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
- ●
  added the new TRANSFER_REFUND_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
This revision also has 3 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Jun 25, 202680d23bfdc2e51See the full diff
- ●
  added the new IDEMPOTENCY_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
Jun 10, 2026fb8c3f188d8b1See the full diff
- ●
  added the new BASE_REPORT_ERROR enum value to the error_type response property for the response status default
  response-property-enum-value-added
This revision also has 8 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Apr 17, 2026b9a2871636de1See the full diff
- ○
  added the optional property ewa_attributes to the response with the 200 status
  response-optional-property-added
Dec 11, 2025465584b48c992See the full diff
- ○
  added the optional property provided_account_subtypes to the response with the default status
  response-optional-property-added
- ○
  added the optional property required_account_subtypes to the response with the default status
  response-optional-property-added
This revision also has 4 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Nov 19, 20254abee1c569291See the full diff
- ○
  removed the IDENTITY_ERROR enum value from the error_type response property for the response status default
  response-property-enum-value-removed
Nov 12, 2025f8b9f1a857671See the full diff
- ○
  endpoint added
  endpoint-added
This revision also has 4 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog
Feb 21, 20245de70cc1e6ca1See the full diff
- ▲
  api path removed without deprecation
  api-path-removed-without-deprecation
This revision also has 699 changes that name no endpoint, such as unreferenced schemas being removed. See the revision's changelog

Full history