Earlier quoted context omitted.
If you have 2 factor enabled for each login you get told your account settings are incompatible with Plaid and have to disable 2fah. If it's only enabled for first time logins on a new browser/client Plaid ask you for the code. https://support-my.plaid.com/hc/en-us/articles/9098915502999... I don't know for sure how they do it, but it must just be a thousand custom forms and browser automations for each bank they sup…
This is one of my (numerous) top complaints about Plaid. From the start they’ve been more about working against than working with banks, and that’s sort of obvious still today. My credit union doesn’t give a flying fuck about Plaid and it’s a constant cat and mouse game that amuses me to watch. My credit union doesn’t have a path to online banking without per-session MFA. I think banks should be required to provide a…
However Plaid has made in-roads at many large institutions, and now supports OAuth, or OAuth-like, access at all (nearly all?) major US financial institutions.
Plaid never liked working against banks, that just made everything worse for everybody involved.
> My credit union doesn’t have a path to online banking without per-session MFA. This obviously kills async products at Plaid, like continuous transaction data, but doesn't block sync products like Auth (account and routing data).
In fact, Plaid made a huge push to increase the amount of MFA encountered on their platform. When banks or credit unions didn't offer MFA, or didn't allow users to enforce MFA on every login, Plaid would attempt to force it through a variety of mechanisms to ensure a bad actor would encounter MFA on Plaid even if the bank would otherwise let them through their actual website.