Q37
Do you have a current SOC 2 Type II report?
SOC 2 Type II: claimed_with_trust_page
Plaid Vendor Risk Assessment — Full Report
Before you share customer data with Plaid, your compliance team needs documented proof they can be trusted. ThirdProof investigated Plaid across 27 intelligence sources — here's what we found.
⚠ FedRAMP Status: Not found in the FedRAMP Marketplace. Vendors handling government data or CUI must be FedRAMP authorized.
Risk Tier
Tier 4 — Low RiskSOC 2
⚠ Vendor AttestedFedRAMP
— Not AuthorizedLast Assessed
Apr 6, 2026🟢IP Reputation: Abuse score: 0%, 0 reports🟡SSL/TLS: TLSv1.3🟢Domain Age: 30.6 years🟢Infrastructure: 2 open ports, 0 CVEs
- FedRAMP Status
- Plaid is not listed on the FedRAMP Marketplace as of March 2026.
- SOC 2 Status
- Plaid has not had a SOC 2 claim detected on their trust page.
- Sanctions Screening
- Plaid returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
- Risk Tier
- ThirdProof assigned Plaid a Low Risk tier with 98% confidence across 27 intelligence sources.
25 sources queried. 98% confidence. Every Plaid investigation produces both a risk report and an auto-filled security questionnaire — no vendor follow-up required.
Get Plaid's Full Report Free →5 free investigations|Risk report + auto-filled questionnaire|Avg. 7 minutes
Certification & Compliance Status
Security Questionnaire — Auto-Filled
43 of 133 questions answered for Plaid
Auto-filled from public evidence • 32% complete
Q38
Do you have ISO 27001 certification?
Plaid is ISO27001 and ISO27701 certified as internationally recognized standards part of their Security and Privacy assurance program.
Q41
Are you FedRAMP authorized? At what level?
Not found in FedRAMP marketplace
Source: External Automedium confidence
Q42
Are you GDPR compliant? Do you have a DPA available?
Plaid provides Data Processing Agreements (DPA) with processors and adheres to various data processing requirements on their legal pages.
Q39
Are you PCI DSS compliant? At what level?
Third-party source confirms Plaid maintains PCI DSS compliance as a required financial institution security standard.
+ 4 more compliance questions answered in the full report
Every investigation produces a full PDF report plus the complete 133-question questionnaire, mapped to SOC 2, HIPAA, PCI DSS, SIG, and more.
Get Plaid's Full Report Free →✗Not Listed on FedRAMP Marketplace
Verified against FedRAMP Marketplace API as of March 2026
Organizations with federal compliance requirements should verify this directly at marketplace.fedramp.gov.
Plaid is not listed on the FedRAMP Marketplace.
◇27 data sources queried per assessment
◷Reports generated in an average of 7 minutes
◈SHA-256 verified for audit integrity
✓Deterministic risk scoring — no AI guesswork
4Tier
Low Risk
Plaid
Vendor Risk Assessment
Confidence Score98%
Based on data availability and source coverage
25
Sources Queried
24
Sources With Data
April 6, 2026
Last Assessed
Executive Summary
AI-generated analysis for Plaid
Plaid (plaid.com) is a financial data connectivity and fintech infrastructure vendor assessed at Risk Tier 4 (Low Risk) with a 98% confidence score. As a critical-data-access vendor operating at the intersection of banking APIs and consumer financial accounts, this rating reflects a strong overall security posture across identity, infrastructure, and reputation signals. Positive signals across the assessment are numerous and substantive:
Key Findings
- The domain has a 30-year registration history (established 1995) with an enterprise-tier registrar and a 29-year indexed web presence, indicating a deeply established entity. - Infrastructure is protected by Cloudflare CDN with only two standard ports (80, 443) exposed and zero known CVEs — a minimal, well-controlled attack surface. - Plaid's IP presents a 0% abuse score with no reports in the last 90 days, and the domain is clear of all malware blacklists (SURBL, Spamhaus DBL), Malware detection service threats, and URLhaus entries. - No sanctions matches were found across OFAC, EU, and UN watchlists; no adverse media surfaced in any scan window; and no SEC enforcement filings were identified. - Plaid claims SOC 2 compliance on its trust page, a meaningful positive signal for compliance-conscious buyers. - The legal entity Plaid, B.V. is actively registered in the Netherlands with a Legal Entity Registry LEI record, providing entity transparency. Two areas warrant procurement team attention. First, the marketing site (plaid.com) received a D+ grade from Mozilla HTTP Observatory (score: 40/100) due to missing security headers including Content-Security-Policy and X-Frame-Options. While this applies specifically to the public-facing marketing site and not necessarily the application endpoint (secure.plaid.com), it represents a gap in web security hygiene that should be acknowledged. Second, the automated subprocessor parsing of Plaid's subprocessor page returned zero structured entries despite confirming the page exists — supply chain visibility is therefore limited pending manual review. Overall, Plaid presents a low-risk profile consistent with a mature, established fintech infrastructure provider. The identified gaps are operational and documentation-related rather than indicative of active security or compliance failures. This vendor is appropriate for continued or new engagement subject to the conditional requirements noted in this report.
Independence Statement
All evidence in this assessment was independently sourced from external data repositories, public registries, and open-source threat intelligence feeds without vendor participation or review.
Investigation Findings
2 findings identified for Plaid
2 medium
medium
Missing Security Headers
plaid.com is missing 2 recommended security headers: Content-Security-Policy, X-Frame-Options.
Source:Domain Analysisdns.google →
medium
HTTP Security Grade: D+ (Marketing Site)
plaid.com received a poor grade (D+) from Mozilla HTTP Observatory. Multiple security headers or configurations are missing. Note: This scan was performed on the marketing site (plaid.com). The application endpoint (secure.plaid.com) may have different security headers. Verify the application domain separately.
✓
Security Strengths
23 positive signals verified
✓
Legal Entity Actively Registered
Business Registration →✓
No Sanctions Matches Found
Sanctions & Watchlist Screening →✓
No Adverse Media Found
Adverse Media Scan →✓
No Adverse Media Signals
Adverse Media Scan (Fallback) →✓
Firmographic Data Available
Company Intelligence →✓
Valid SSL Certificate
Domain Analysis →✓
2 Open Ports Detected
Infrastructure Exposure →✓
Established Domain (30+ years)
Domain Registration →✓
Clean domain reputation
Threat Intelligence →✓
Notable Tech Community Presence
Tech Community Sentiment →✓
Minimal Tech Community Discussion
Tech Community Sentiment →✓
Certificate Data from TLS Handshake
Certificate Transparency →✓
Established Web Presence (29+ years)
Web Archive History →✓
Domain in 50 Threat Intelligence Pulses
Threat Intelligence (OTX) →✓
Clean IP Reputation
IP Reputation →✓
Clean Safe Browsing Status
Malware & Phishing Check →✓
Clean Website Security Scan
Website Security Scan →✓
Trust Page Found, No Certifications Detected
Trust & Compliance Page Scan →✓
Subprocessor Page Found, No Entries Parsed
Supply Chain & Subprocessor Discovery →✓
Not Found as FDIC-Insured Institution
FDIC Institution Check →✓
No SEC Enforcement Filings Found
SEC Filing Search →✓
News Coverage Found (No Risk Signals)
Historical Media Search →✓
SOC 2 Compliance Claimed on Trust Page
Certification Registry Verification →Recommended Actions
Steps to address findings for Plaid
- 1
Request Plaid's current SOC 2 Type II report (dated within the last 12 months) and a bridge letter covering any gap period since the report date. Contact Plaid's security team directly or check their compliance portal — many fintech vendors provide reports via their trust page at https://plaid.com/security or https://security.plaid.com upon execution of an NDA.
- 2
Manually review the subprocessor disclosure at https://plaid.com/open-banking/ to identify all named third-party data processors. Confirm that your Data Processing Agreement (DPA) with Plaid covers all listed subprocessors and that subprocessor changes are subject to advance notice obligations.
- 3
Verify the application security posture of secure.plaid.com (the API/application endpoint identified during scanning) separately from the marketing site. Request Plaid's most recent penetration test executive summary or security attestation covering the application layer — ask their security team for a summary or check https://security.plaid.com.
- 4
Request Plaid's written AI and machine learning data usage policy, specifically asking whether customer financial data is used to train models, what retention periods apply to API-processed data, and whether an opt-out mechanism is available. Reference their legal page at https://plaid.com/legal/ as a starting point for the conversation.
- 5
Retain this assessment report with a reviewer signature and date to satisfy SOC 2 CC9.2 third-party risk management evidence requirements. File alongside the Plaid SOC 2 Type II report and DPA in your vendor risk register.
- 6
Document complementary user entity controls (CUECs) applicable to your integration with Plaid — specifically controls around API key management, OAuth token lifecycle, and user consent flows — as these will be in scope for your own SOC 2 auditor if Plaid is within your audit boundary.
Intelligence Sources Queried
25 sources in this assessment
24of 25 sources returned data
IP Reputation
AI Data Usage Policy
Threat Intelligence (OTX)
Adverse Media Scan
Certification Registry Verification
Domain Analysis
FDIC Institution Check
Business Registration
Historical Media Search
Tech Community Sentiment
Company Intelligence
Adverse Media Scan (Fallback)
HTTP Security Scan
Sanctions & Watchlist Screening
Malware & Phishing Check
SEC Filing Search
Infrastructure Exposure
SSL/TLS Analysis
Supply Chain & Subprocessor Discovery
Trust & Compliance Page Scan
Website Security Scan
Threat Intelligence
Web Archive History
Domain Registration
Certificate Transparency
Data Coverage Notes
Some data sources may have had limited availability during this assessment. This does not reflect negatively on the vendor.
- Certificate Transparency log data (Certificate Transparency service) was unavailable during this assessment; certificate information was sourced from a direct TLS handshake only, limiting subdomain enumeration coverage.
- The subprocessor page at plaid.com could not be machine-parsed, resulting in zero structured subprocessor entries. Manual review is required for full supply chain visibility.
- SSL/TLS analysis service deep cipher and certificate configuration analysis completed successfully but returned no detailed grade data for plaid.com in this assessment cycle; TLS configuration was confirmed as valid via direct handshake (TLS 1.3, no weak ciphers).
- External cyber risk scoring was not available for this assessment, limiting ability to benchmark Plaid's security posture against the SaaS industry average.
- AI data training commitment and retention policy were listed as 'not_stated' on Plaid's legal page — the specific terms governing AI use of customer financial data could not be independently confirmed from the crawled content.
- ISO 27001, HITRUST, PCI DSS, and FedRAMP certifications returned 'not_found' from public registry lookups; this may reflect that Plaid holds certifications not captured in automated registry scans rather than confirmed absence. Manual verification is recommended.
- Ai data|policy|governance coverage was limited for this assessment. This does not confirm any deficiency — direct verification with the vendor is recommended.
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report
Security & Compliance Profile
32% complete · 43/133 questions answered from public sourcesAre you Plaid? Claim this profile to complete your security record. Buyers are reviewing this profile now.
Claim this profile →What a ThirdProof assessment covers↓
Sanctions Screening
Is Plaid on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?
Cyber Risk Assessment
What is Plaid's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.
Business Registration
Is Plaid a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.
Adverse Media Analysis
Has Plaid appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.
Domain & Infrastructure
Is Plaid's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.
Company Intelligence
What are Plaid's firmographics? Employee count, industry classification, technology stack, and corporate structure.
Trust & Compliance Verification
Does Plaid claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.
Supply Chain & Subprocessor Discovery
Who does Plaid depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.
Regulatory & Financial Filings
Has Plaid appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.
Full methodology, rule engine, and AI disclosure: /methodology
Seeing this in an audit? ThirdProof lets you investigate Plaid and every other vendor in your stack — average report time: 7 minutes. Get Plaid's Full Report Free →
Frequently asked about Plaid
Is Plaid FedRAMP authorized?+
Plaid is not currently listed on the FedRAMP Marketplace as of April 2026.
Does Plaid have SOC 2 Type II?+
No SOC 2 found. Plaid rated Low Risk — subprocessor list unavailable. See all 3 findings →
Is Plaid on the OFAC sanctions list?+
Plaid returned no matches in ThirdProof's OFAC SDN, EU Consolidated, and UN sanctions screening as of April 2026.
What is Plaid's vendor risk tier?+
ThirdProof assigned Plaid a risk tier of Low Risk with 98% confidence based on assessment across 27 intelligence sources as of April 2026.
Can I get an auto-filled security questionnaire for Plaid?+
Yes. Every ThirdProof investigation of Plaid produces two deliverables: an audit-ready risk report and a 133-question security questionnaire pre-filled with evidence from 27 independent sources. The questionnaire is mapped to SIG, SOC 2, HIPAA, PCI DSS and 9 other frameworks — answered without sending Plaid a single email or waiting for a vendor response.
Is Plaid safe to use as a vendor?+
Plaid is a financial data vendor that handles organizational data. Safety depends on their current security posture, certification status, and how they handle your specific data. ThirdProof automates this evaluation across 27 intelligence sources — sanctions databases (OFAC, EU, UN), business registration verification, adverse media scanning, and cyber risk assessment — producing a deterministic risk tier with confidence score plus an auto-filled security questionnaire. Run a free investigation to see Plaid's full risk profile.
Does Plaid have SOC 2 certification?+
No SOC 2 found. Plaid rated Low Risk — subprocessor list unavailable. See all 3 findings →
Has Plaid had any data breaches?+
Data breach history is an important signal for any vendor, particularly financial data platforms like Plaid that handle organizational data. ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals. Each finding is linked to its original source with severity classification.
Is Plaid on any sanctions lists?+
Sanctions screening is standard due diligence for financial data vendors. ThirdProof screens Plaid against OFAC SDN, consolidated international sanctions lists, and PEP databases. The screening uses entity name verification to reduce false positives. If Plaid or any associated officers appear on a sanctions list, this triggers automatic escalation to the highest risk tier.
How do I assess Plaid for vendor risk?+
Assessing Plaid as a financial data vendor involves verifying SOC 2 Type II and applicable industry standards compliance, reviewing their subprocessor chain, and checking sanctions exposure. ThirdProof automates this across 27 intelligence sources in an average of 7 minutes — no questionnaires or vendor participation required. Your first 5 investigations are free.
How long does a ThirdProof assessment take?+
A ThirdProof assessment completes in an average of 7 minutes. 27 intelligence sources are queried in parallel — sanctions databases, business registries, threat intelligence feeds, certificate transparency logs, and more. The result is a deterministic risk tier with confidence score and audit-ready PDF report.
Is ThirdProof free?+
ThirdProof offers 5 free vendor assessments with no credit card required. Each assessment includes the full report — risk tier, confidence score, individual findings, executive summary, and PDF export. Paid plans start at $399/month for teams that need ongoing vendor monitoring.
Can I use a ThirdProof report as SOC 2 audit evidence?+
Yes. ThirdProof reports are designed to satisfy SOC 2 CC9.2 (vendor risk management) requirements. Each report includes SHA-256 integrity verification, methodology disclosure, source attribution for every finding, and AI content labeling. Auditors can independently verify the report's authenticity and trace each finding to its original source.
How is ThirdProof different from a security questionnaire?+
Security questionnaires require vendor participation, take weeks, and produce self-reported answers. ThirdProof queries 27 independent intelligence sources — no vendor involvement needed. Risk tiers are assigned by a deterministic rules engine (not AI opinion), and every finding links to its original source. You get an audit-ready report in an average of 7 minutes instead of waiting weeks for a questionnaire response.
Also investigate these vendors
Plaid is in your vendor stack. Can you prove you assessed them?
SOC 2 CC9.2, HIPAA, PCI-DSS, and CMMC all require documented vendor due diligence — not just knowing the answer, but having audit-ready evidence you verified it. Most compliance teams can't produce that documentation on demand.
ThirdProof investigates Plaid across 27 intelligence sources in an average of 7 minutes — sanctions screening, cyber posture, SOC 2 verification, FedRAMP status, and more. Every investigation produces two deliverables: an audit-ready risk report and an auto-filled security questionnaire your prospects and auditors expect to see.
✓ 5 free investigations✓ Risk report + auto-filled questionnaire✓ No credit card required✓ Average report time: 7 minutes
Replaces $600–$900 in manual compliance consulting time per vendor assessed.