Plaid MCP Server

Rate limit exceeded errors during API requests

Plaid enforces rate limits per endpoint. Check error_code and error_type in response body. Use request ID for support inquiries. Implement exponential backoff for retry logic. Monitor rate limit headers.

Item authentication failed or expired access token

Listen for PENDING_DISCONNECT webhook (US/CA) or PENDING_EXPIRATION (UK/EU). Send users through update mode before Items expire. Re-authenticate via Plaid Link. Check error_type for specific issue.

Webhook verification fails or not receiving webhooks

Verify webhook signature using Plaid's verification guide. Check webhook URL is publicly accessible. Test endpoint returns 200 status. Enable webhook logging in Dashboard. Review firewall/security group rules.

Development vs production environment mismatch

Use separate API keys for sandbox and production. Verify environment in Dashboard matches code. Check client_id and secret match environment. Test in sandbox before going live with production credentials.