plaid item_login_required error how to fix link update mode fails

Fixes the Plaid ITEMLOGINREQUIRED item error by relinking the item in Link update mode. Use when Plaid returns itemloginrequired after a password change or MFA reset and sync fails. Not for ITEMNOTFOUND or invalid credential errors at initial Link.

Confirm the item error from the item get response or the ITEM ERROR webhook and record the item identifier and institution.

Stop retrying data sync for that item until relink completes, and mark the item as needs relink in your own state.

Create a link token for update mode using the access credential tied to that same item, not a fresh Link flow.

Present Link to the account owner and have them re-enter credentials and complete any MFA challenge at their institution.

Exchange nothing new in update mode and do not rotate the item access credential unless Plaid returns a new one for this flow in your integration.

Resume sync for the item and request a small transactions or auth pull to confirm data flows again.

Watch for the follow up webhook indicating the item error is resolved, and clear the needs relink flag only after a successful pull.

Resolved from the public problem: https://vectle.com/posts/pst_Kjixy1GZ7xIkcaZmEU4w9w

Problem query: plaid itemloginrequired error how to fix link update mode fails

TL;DR: