Execute a single payment using consent

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.

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.

The consent ID.

A random key provided by the client, per unique consent payment. Maximum of 128 characters.

The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. If a request to execute a consent payment fails due to a network connection error, you can retry the request with the same idempotency key to guarantee that only a single payment is created. If the request was successfully processed, it will prevent any payment that uses the same idempotency key, and was received within 24 hours of the first request, from being processed.

A reference for the payment. This must be an alphanumeric string with at most 18 characters and must not contain any special characters (since not all institutions support them). If not provided, Plaid will automatically fall back to the reference from consent. In order to track settlement via Payment Confirmation, each payment must have a unique reference. If the reference provided through the API is not unique, Plaid will adjust it. Some institutions may limit the reference to less than 18 characters. If necessary, Plaid will adjust the reference by truncating it to fit the institution's requirements. Both the originally provided and automatically adjusted references (if any) can be found in the reference and adjusted_reference fields, respectively.

A scope of the payment. Must be one of the scopes mentioned in the consent. Optional if the appropriate consent has only one scope defined, required otherwise.

A unique ID identifying the payment

The status of the payment.

PAYMENT_STATUS_INPUT_NEEDED: This is the initial state of all payments. It indicates that the payment is waiting on user input to continue processing. A payment may re-enter this state later on if further input is needed.

PAYMENT_STATUS_INITIATED: The payment has been successfully authorised and accepted by the financial institution. For successful payments, this is a potential terminal status. Further status transitions can be to REJECTED and, when supported by the institution, to EXECUTED.

PAYMENT_STATUS_INSUFFICIENT_FUNDS: The payment has failed due to insufficient funds.

PAYMENT_STATUS_FAILED: The payment has failed to be initiated. This error may be caused by transient system outages and is retryable once the root cause is resolved.

PAYMENT_STATUS_BLOCKED: The payment has been blocked by Plaid. This can occur, for example, due to Plaid flagging the payment as potentially risky. This is a retryable error.

PAYMENT_STATUS_AUTHORISING: The payment is currently being processed. The payment will automatically exit this state when the financial institution has authorised the transaction.

PAYMENT_STATUS_CANCELLED: The payment was cancelled (typically by the end user) during authorisation.

PAYMENT_STATUS_EXECUTED: The funds have successfully left the payer account and payment is considered complete. Not all institutions support this status: support is more common in the UK, and less common in the EU. For institutions where this status is not supported, the terminal status for a successful payment will be PAYMENT_STATUS_INITIATED.

PAYMENT_STATUS_SETTLED: The payment has settled and funds are available for use. A payment will typically settle within seconds to several days, depending on which payment rail is used. This status is only available to customers using Plaid Virtual Accounts.

PAYMENT_STATUS_ESTABLISHED: Indicates that the standing order has been successfully established. This state is only used for standing orders.

PAYMENT_STATUS_REJECTED: The payment was rejected by the financial institution.

Deprecated: These statuses will be removed in a future release.

PAYMENT_STATUS_UNKNOWN: The payment status is unknown.

PAYMENT_STATUS_PROCESSING: The payment is currently being processed. The payment will automatically exit this state when processing is complete.

PAYMENT_STATUS_COMPLETED: Indicates that the standing order has been successfully established. This state is only used for standing orders.

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