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Overview

The Plaid integration connects your bank accounts and credit cards to Smartbills for automatic transaction import. Bank transactions are matched to uploaded receipts, reducing manual data entry and ensuring complete expense tracking.

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Key Features

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Prerequisites

  • Bank account or credit card at a Plaid-supported institution
  • Smartbills Business plan or higher

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Setup

1

Open the Apps Marketplace

In Smartbills, go to Settings > Apps and search for Plaid.
2

Start Connection

Click Connect Bank Account to launch the Plaid Link interface.
3

Select Institution

Search for and select your bank or credit card provider from the list.
4

Authenticate

Sign in to your bank using your online banking credentials. Smartbills never sees your banking password, it is handled securely by Plaid.
5

Select Accounts

Choose which accounts to link (checking, savings, credit card).
6

Configure Import

Set transaction import frequency and matching rules.

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Configuration

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Import Settings

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Matching Rules

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Account Types

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Security

Plaid uses bank-level encryption and security measures:
  • Smartbills never stores your banking credentials
  • Data is transmitted via TLS 1.2 encryption
  • Plaid is SOC 2 Type II certified
  • You can revoke access at any time from the integration settings

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Data Sync

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Troubleshooting

Plaid supports thousands of institutions, but some smaller banks may not be available. Check Plaid’s supported institutions list. If your bank is not listed, you can still upload transactions manually via CSV.
Some banks require periodic re-authentication. When prompted, go to Settings > Apps > Plaid and click Update Connection to re-authenticate with your bank.
Plaid may take up to 24 hours to sync new transactions. Check the last sync time in the integration settings. Pending transactions may not appear until they are posted by the bank.
Plaid has built-in deduplication, but if you see duplicates, check whether the same account is linked multiple times. Remove duplicate connections from the settings page.
Auto-categorization is based on merchant category codes (MCC) provided by your bank. You can override categories manually or create custom matching rules in the integration settings.