Sample - Plaid API
POST/income/verification/precheckDeprecated

Precheck income verification eligibility

Evaluates whether a user is likely to be supported by digital income verification and creates a precheck identifier. Supply available employer or transactions_access_tokens data to improve the result, then pass the returned precheck_id to /link/token/create when initializing Link.

  • RetriesRetries up to 2×, 500ms backoff, 30s timeout.

8 body fields

Optional income verification eligibility data for a user, employer, payroll institution, and related Items.

client_idstringoptional
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.
secretstringoptional
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.
userobjectoptional
Information about the user whose eligibility is being evaluated.
employerobjectoptional
Information about the end user's employer
payroll_institutionobjectoptional
Information about the end user's payroll institution
transactions_access_tokenobjectdeprecatedoptional
A deprecated access token for an Item associated with the user.
transactions_access_tokensarray<AccessToken>optional
An array of access tokens corresponding to Items belonging to the user whose eligibility is being checked. Note that if the Items specified here are not already initialized with `transactions`, providing them in this field will cause these Items to be initialized with (and billed for) the Transactions product.
us_military_infoobjectoptional
Data about military info in the income verification precheck.

2 status codes
200Returns a `precheck_id`, a confidence value of HIGH, LOW, or UNKNOWN, and a request identifier.
precheck_idstringrequired
ID of the precheck. Provide this value when calling `/link/token/create` in order to optimize Link conversion.
request_idstringrequired
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
confidencestringrequired
The confidence that Plaid can support the user in the digital income verification flow instead of requiring a manual paystub upload. One of the following: `"HIGH"`: It is very likely that this user can use the digital income verification flow. "`LOW`": It is unlikely that this user can use the digital income verification flow. `"UNKNOWN"`: It was not possible to determine if the user is supportable with the information passed.
Allowed:HIGHLOWUNKNOWN
defaultError response
error_typestringrequired
A broad categorization of the error. Safe for programmatic use.
Allowed:INVALID_REQUESTINVALID_RESULTINVALID_INPUTINSTITUTION_ERRORRATE_LIMIT_EXCEEDEDAPI_ERRORITEM_ERRORASSET_REPORT_ERRORBASE_REPORT_ERRORRECAPTCHA_ERROROAUTH_ERRORPAYMENT_ERROR
error_codestringrequired
The particular error code. Safe for programmatic use.
error_code_reasonstringoptional
The specific reason for the error code. Currently, reasons are only supported for OAuth-based item errors; `null` will be returned otherwise. Safe for programmatic use. Possible values: `OAUTH_INVALID_TOKEN`: The user's OAuth connection to this institution has been invalidated. `OAUTH_CONSENT_EXPIRED`: The user's access consent for this OAuth connection to this institution has expired. `OAUTH_USER_REVOKED`: The user's OAuth connection to this institution is invalid because the user revoked their connection.
error_messagestringrequired
A developer-friendly representation of the error code. This may change over time and is not safe for programmatic use.
display_messagestringrequired
A user-friendly representation of the error code. `null` if the error is not related to user action. This may change over time and is not safe for programmatic use.
request_idstringoptional
A unique ID identifying the request, to be used for troubleshooting purposes. This field will be omitted in errors provided by webhooks.
causesarrayoptional
In this product, a request can pertain to more than one Item. If an error is returned for such a request, `causes` will return an array of errors containing a breakdown of these errors on the individual Item level, if any can be identified. `causes` will be provided for the `error_type` `ASSET_REPORT_ERROR` or `CHECK_REPORT_ERROR`. `causes` will also not be populated inside an error nested within a `warning` object.
statusintegeroptional
The HTTP status code associated with the error. This will only be returned in the response body when the error information is provided via a webhook.
documentation_urlstringoptional
The URL of a Plaid documentation page with more information about the error
suggested_actionstringoptional
Suggested steps for resolving the error
required_account_subtypesarray<string>optional
A list of the account subtypes that were requested via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.
provided_account_subtypesarray<string>optional
A list of the account subtypes that were extracted but did not match the requested subtypes via the `account_filters` parameter in `/link/token/create`. Currently only populated for `NO_ACCOUNTS` errors from Items with `investments_auth` as an enabled product.

Error handling

All request fields are optional, but employer or transactions_access_tokens can improve the result. employer.url must use URL format, and us_military_info.branch must be one of AIR FORCE, ARMY, COAST GUARD, MARINES, NAVY, or UNKNOWN.