How Plaid fits in CloudIP
- Provides live bank and credit-card feeds to the Accounting module.
- Verifies bank ownership for ACH-debit payment methods.
- Powers balance checks for cash-flow forecasting.
Why this integration exists
Plaid is the most reliable provider of US bank data and is the default for the Accounting bank-feeds capability.
Configuration notes
- Re-auth flows handled in-app when banks rotate tokens.
- No credentials stored in CloudIP — all bank auth lives in the Plaid token model.
How the Plaid integration runs in production
The Plaid integration is part of the standard CloudIP subscription — it is not a partner-tier add-on or a separate billing line. Authentication, rate limiting, and error handling are managed inside the platform, and any change in the Plaid state of the world propagates to the relevant CloudIP module without operator intervention.
For most customers, the integration is invisible after the initial connection: records appear in the banking module they belong to, and downstream workflows — reports, audit trail, exports — see the same data the rest of the platform sees. The integration honours the tenant.dataResidency choice you make at provisioning, so Plaid traffic respects the same boundary as your own records.
If you eventually outgrow the Plaid integration, the data it touches stays inside CloudIP — the integration is a connector, not a system of record. That means swapping Plaid for an alternative does not require a data migration; it requires reconnecting the source.
Common questions about the Plaid integration
Yes. The Plaid integration is part of the platform; there is no per-integration fee or premium tier required to use it. You bring your own Plaid account where applicable, and CloudIP handles the connection.
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