Modern Financial Tools for the Public Sector

Plaid can help public sector agencies modernize citizen services by upgrading legacy infrastructure and embracing digital financial tools. Our open banking network—the largest in the U.S.—is trusted by more than half of U.S. adults with a bank account. It powers faster, more secure, and more inclusive digital experiences that help public agencies serve their communities better.

Whether you’re focused on improving payments, reducing fraud, or expanding access to financial resources, Plaid provides tools that simplify and strengthen every step of the user journey.

Payments
Plaid helps agencies move off paper checks and toward lower-cost bank payment rails—supporting compliance, cutting overhead, and improving citizen access to critical services.​​​​​​​

Fraud
Our secure, permissioned data reduces fraud while speeding up service delivery. Agencies can validate identity, income, and account details without manual paperwork—saving time and building trust.​​​​​​​

Credit
Plaid helps expand access to credit by enabling lenders to verify income and cash flow in real time—helping underserved consumers qualify for the resources they need.
​​​​​​​
Our solutions were created to be used across key areas of public service:
Courts and juries
Verify juror identities, streamline guardianship programs, and offer flexible fine payment plans—all in one experience.

Taxes, fines, and fees
Let citizens pay securely from their bank accounts—often with lower fees than credit card payments.

Benefits and disbursements
Speed up payments to the people who need them most with real-time identity and account verification.

DMVs and toll roads
 Enable seamless bank payments for tolls, registration, and more.

Housing programs
Simplify housing applications and disbursements with real-time income verification and automated payouts.

Utilities
Accept fast, affordable recurring payments with lower return rates than traditional ACH methods.

With Plaid, public sector agencies can serve more people, more securely—and with fewer barriers along the way.