Richard's response to this was, "Yes Plaid is a payment gateway, like Stripe or PayPal. If she doesn't have an account it could be smishing (fraudulent text) either designed to get a response from her so they can try and get her to do other actions, or her number was being used for an account. I would suspect the first, unless someone mistyped their phone number, which would be one in a million but could also happen. I would recommend deleting in my opinion. I think the other thing to record would be the number that the text came from, if it came from Plaid or if it came from someone random."