Response field maximum_payment_amount is no longer guaranteed

What changed

Producer-side tools call this non-breaking. For a consumer it is a null dereference on an unknown future date.

Affects maximum_payment_amount on PaymentInitiationMetadata reachable from 3 operations. Nothing fails at the call; it fails wherever the value is finally used, which is usually somewhere else entirely.

no longer guaranteed present

Who is affected

Code that reads Plaid's PaymentInitiationMetadata objects, used by 3 Plaid operations.

Before and after

Code that breaks

// response.maximum_payment_amount may now be absent or null
const maximum_payment_amount = response.maximum_payment_amount ?? fallback;

Based on Plaid’s published API specification. How severity is decided.