plaid

Terminate products for an Item

The /item/products/terminate endpoint allows you to terminate an Item. Once terminated, the access_token associated with the Item is no longer valid, billing for the Item's products is ended, and relevant webhooks are fired.

/item/products/terminate is the recommended way to offboard users or disconnect accounts linked via Plaid.

post/item/products/terminate

Request body

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.

access_tokenstring required

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

The reason for terminating products.

FRAUD_FIRST_PARTY: The end user who owns the connected bank account committed fraud using their real identity FRAUD_FALSE_IDENTITY: The connection was created using a false or stolen identity FRAUD_ABUSE: The end user is abusing the client's service or platform (for example, automation or excessive retries) through their connected account FRAUD_OTHER: Fraud-related, but not covered by the specific fraud categories above; reason_note should clarify FRAUD_TRANSACTION: Fraud occurred at the transaction level, such as an unauthorized transaction, card testing, chargeback, ACH return, or dispute CONSUMER_LOAN_PAID_OFF: The end user paid off their loan and no longer needs the product CONSUMER_ACCOUNT_CLOSED: The end user closed their account with the client and no longer needs the product CONSUMER_CHARGE_OFF: The end user's account has been charged off CONSUMER_PAYMENT_METHOD_SWITCHED: The end user switched to a different payment method and no longer needs the product USER_OFFBOARDING: The user is offboarding from the client's service or platform DUPLICATE_ITEM: This Item is a duplicate of another active Item for the same user BILLING_TERMINATION: The client's billing or subscription relationship with the end user has ended OTHER: None of the above; reason_note should clarify

reason_notestring nullable

Additional context or details about the reason for terminating products on the Item. Personally identifiable information, such as an email address or phone number, should not be included in the reason_note.

Response

success

request_idstring required

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

Changes

Changed in 5 of the 52 revisions of this API.61615

Jul 22, 2026a1bbca01816021413See the full diff
- ▲
  request property reason_code was restricted to a list of enum values
  request-property-became-enum
- ▲
  the reason_code request property type/format changed from / to string/
  request-property-type-changed
- ●
  removed ProductsTerminateReasonCode from the reason_code request property allOf list
  request-property-all-of-removed
- ●
  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
- ○
  added the new BILLING_TERMINATION enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new CONSUMER_ACCOUNT_CLOSED enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new CONSUMER_CHARGE_OFF enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new CONSUMER_LOAN_PAID_OFF enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new CONSUMER_PAYMENT_METHOD_SWITCHED enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new DUPLICATE_ITEM enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new FRAUD_ABUSE enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new FRAUD_FALSE_IDENTITY enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new FRAUD_FIRST_PARTY enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new FRAUD_OTHER enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new FRAUD_TRANSACTION enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new OTHER enum value to the request property reason_code
  request-property-enum-value-added
- ○
  added the new USER_OFFBOARDING enum value to the request property reason_code
  request-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, 202680d23bfdc2e511See 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
- ○
  added the new FRAUD_TRANSACTION enum value to the request property reason_code/allOf[ProductsTerminateReasonCode]/
  request-property-enum-value-added
Jun 10, 2026fb8c3f188d8b31See the full diff
- ▲
  added ProductsTerminateReasonCode to the reason_code request property allOf list
  request-property-all-of-added
- ▲
  removed the enum value OTHER of the request property reason_code
  request-property-enum-value-removed
- ▲
  the reason_code request property type/format changed from string/ to /
  request-property-type-changed
- ●
  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 2, 20267f9a02ad0ce31See the full diff
- ○
  endpoint added
  endpoint-added
This revision also has 5 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