An Item is not the same as a financial institution account, although every account will be associated with an Item. A single end-user of your application might have accounts at different financial institutions, which means they would have multiple different Items. Most API requests interact with an Item, which is a Plaid term for a login at a financial institution. To run the Payment Initiation Quickstart, contact Sales to enable Payment Initiation for your account. In addition, the Payment Initiation product is not enabled in Sandbox by default.
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