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If you already have connections with a service provider — for example, because you previously integrated directly with Plaid or Akoya — you can bring them into Meld. Importing a connection does not involve the customer; there is no widget flow and no re-authentication required. This page is for developers migrating from a direct provider integration to Meld.

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Before you begin

  • You have provider-level credentials (Plaid access_token, Akoya equivalent) for each connection you want to import
  • The corresponding service provider is enabled on your Meld account
  • You have decided what externalCustomerId to associate with each imported connection
Importing is currently supported for Plaid and Akoya only. For other providers, the customer must complete the standard widget flow.

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How to import a connection

Call the import connections endpoint. Use the externalCustomerId field to tie each imported connection to an id of your choice for tracking. Importing a connection does the following:
  1. Adds the connection and all its financial accounts to Meld.
  2. Ties the connection to your externalCustomerId, if provided.
  3. Tells the underlying provider to send webhooks for that connection to Meld going forward (instead of to your servers).
  4. Refreshes the connection at the time of import.
  5. Sends you the standard aggregation webhooks (BANK_LINKING_ACCOUNTS_UPDATING, BANK_LINKING_ACCOUNTS_UPDATED, BANK_LINKING_TRANSACTIONS_AGGREGATED) just like a fresh connection.
Once a connection is imported, the provider will stop sending webhooks to your old endpoint. Make sure your Meld webhook profile is configured before importing in production.
For the full request and response schema, refer to the Bank Linking API reference.

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Common errors

SymptomLikely causeDeveloper action
400 Bad Request — provider not supportedImporting only works for Plaid and AkoyaUse the standard widget flow for other providers.
401 or 403 from the underlying providerProvider-level credentials supplied are invalid or expiredVerify the access_token is valid for the environment; re-issue if needed.
Import succeeds but no webhooks arriveMeld webhook profile not configured for bank-linking eventsConfigure the webhook profile per Webhook Quickstart.