Vendor Intelligence Report

Is Plaid safe for
your vendor program?

FedRAMP Status
Plaid is not listed on the FedRAMP Marketplace as of March 2026.
SOC 2 Status
Plaid has a SOC 2 claim detected on their trust page. Claim is vendor-attested — no public registry exists for independent verification.
Sanctions Screening
Plaid returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
Risk Tier
ThirdProof assigned Plaid a Moderate Risk tier with 94% confidence across 24 intelligence sources.

ThirdProof investigated Plaid (plaid.com) across 24 intelligence sources including sanctions databases, cyber risk scores, business registries, and more.

Sanctions
Screened
Cyber Risk
Scored
Compliance
Verified
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✗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.

Source: FedRAMP Marketplace

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Real investigation recorded live — not a mockup
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◇24 data sources queried per investigation
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✓Deterministic risk scoring — no AI guesswork
Risk Tier
Tier 3 — Moderate Risk
Assessment
Conditional
Confidence
94%

Investigation Preview — 23 Sources Queried

Sanctions ScreeningClear — No matches found
HTTP Headers (Public Site)D+ (40/100)
Domain ReputationClean across 93 security engines
Infrastructure2 open ports, 0 CVEs
Malware & PhishingClean
IP ReputationAbuse score: 0%, 0 reports
Domain Age30.5 years
Certifications (Vendor-Attested)
SOC 2ISO 27001

Full investigation report with evidence chain, compliance assessment, and recommended actions.

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Executive Summary Preview

Plaid (plaid.com) is a well-established financial data connectivity platform with a 30-year domain history, a clean sanctions and threat intelligence profile, and no adverse media of relevance to its operations. The rule engine has assigned a Tier 3 (Moderate Risk) rating, driven primarily by the absence of independently verified security certifications, the lack of a published subprocessor list, and a below-average HTTP security header configuration on the public-facing website.

This is an excerpt from the full ThirdProof investigation report. Get the complete report →

Key Findings for Plaid

SeverityFindingSource
mediumAging adverse media in historical archivesHistorical Media Search
infoClean domain reputationThreat Intelligence
lowNo subprocessor page foundSupply Chain & Subprocessor Discovery
low2 certifications claimed but not independently verifiedTrust & Compliance Page Scan
lowThreat intelligence pulses detectedThreat Intelligence (OTX)

5 total findings in the full report. View all findings →

Recommended Actions

  1. Request Plaid's current SOC 2 Type II audit report with auditor opinion letter — contact their security team directly or check https://plaid.com/security for a trust portal link. Confirm the report scope covers the specific APIs and data flows relevant to your integration. Retain for QSA fieldwork under PCI-DSS 4.0 Requirement 12.8.
  2. Request Plaid's current subprocessor list and execute or confirm a compliant Data Processing Agreement (DPA) that satisfies both GDPR Article 28 and CCPA/CPRA service provider requirements — specifically that Plaid is prohibited from selling or using consumer financial data for its own commercial purposes outside the contracted service.
  3. Document a PCI-DSS 12.8.5 shared responsibility matrix with Plaid: identify which PCI DSS controls Plaid owns (e.g., encryption in transit, access control to bank data), which your organization owns (e.g., API key management, user authentication), and which are shared. This is a mandatory artifact for QSA assessment.

Full recommendations available in the complete report.

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“We manage nearly 100 vendors touching customer payment data. ThirdProof gives me audit-ready evidence in the time it used to take just to send the questionnaire.”

— April, Co-owner, The Perky Lady

What you'll see in Plaid's report

Every ThirdProof report includes these sections

Risk Tier1–5 scale

Deterministic score based on evidence — not AI opinion

Confidence Score0–100%

Understand how complete the picture is — higher confidence means more data sources returned results

Individual FindingsPer-source

Each finding linked to its source with severity rating

Executive SummaryAI synthesis

Know exactly what to do next — plain-language guidance for your compliance team

Compliance Status3-tier verification

Independently verified, vendor attested, or not found

PDF ExportSHA-256 sealed

Audit-ready report with methodology disclosure

ThirdProof uses a deterministic rules engine to assign risk tiers. AI writes the narrative — rules drive the decision.

Intelligence Sources Queried for Plaid

✓Sanctions & Watchlists
✓Business Registration
✓Adverse Media Scan
✓Company Intelligence
✓Domain Analysis
✓Infrastructure Exposure
✓Domain Registration
✓Threat Intelligence
✓Tech Community Sentiment
✓HTTP Security Scan
✓SSL/TLS Analysis
✓Certificate Transparency
✓Web Archive History
✓Threat Intel (OTX)
✓IP Reputation
✓Malware & Phishing Check
✓Website Security Scan
✓Trust & Compliance Scan
✓Subprocessor Discovery
✓FDIC Registry Check
✓SEC Filing Search
✓Historical Media Search
✓Certification Registry

Get Plaid's complete risk report — risk tier, confidence score, individual findings, and AI synthesis — in under 2 minutes.

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What a ThirdProof investigation 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.

Compliance Resources

→ PCI-DSS 4.0 Requirement 12.8 Vendor Due Diligence→ Sanctions Screening for Vendor Due Diligence→ Vendor Due Diligence Checklist→ All 24 Intelligence Sources

Frequently asked about Plaid

Is Plaid safe to use as a vendor?+
Plaid can be evaluated for vendor safety by checking sanctions databases (OFAC, EU, UN), verifying business registration through legal entity registries like GLEIF, scanning for adverse media coverage including data breaches and regulatory actions, and assessing domain security and cyber risk posture. ThirdProof automates this entire investigation across 24 intelligence sources and produces a deterministic risk tier (1-5 scale) with a confidence score. Run a free investigation to see Plaid's full risk profile.
Does Plaid have SOC 2 certification?+
To verify whether Plaid holds SOC 2 certification, ThirdProof scans the vendor's trust page and security documentation for certification claims, then cross-references those claims against independent registries where available (such as the FedRAMP Marketplace for FedRAMP authorization). Certifications are classified as independently verified, vendor attested, or not found in evidence — ensuring you know the verification level of each claim.
Is Plaid FedRAMP authorized?+
Based on ThirdProof's investigation, Plaid is not currently listed on the FedRAMP Marketplace. Organizations with federal compliance requirements should verify this directly and consider alternative vendors with FedRAMP authorization where required.
Has Plaid had any data breaches?+
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 involving Plaid. Each finding is linked to its original source with severity classification. The investigation also checks SEC EDGAR for enforcement-related filings and FDIC records for financial institution failures, providing a comprehensive public record review.
Is Plaid on any sanctions lists?+
ThirdProof screens Plaid against OFAC SDN, consolidated international sanctions lists, and PEP (Politically Exposed Persons) databases. The screening uses entity name verification to reduce false positives from similar names. If Plaid or any associated officers appear on a sanctions list, this triggers an automatic escalation to the highest risk tier. No sanctions match is confirmed through a clean screening report in the investigation output.
How do I assess Plaid for vendor risk?+
ThirdProof investigates Plaid autonomously in under 2 minutes using 24 intelligence sources — no questionnaires, no vendor participation required. The investigation covers sanctions screening, cyber risk scoring, business registration, adverse media, domain security, and more. Reports are formatted for SOC 2, HIPAA, PCI-DSS, and CMMC compliance frameworks. Your first investigation is free.

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