Plaid Signal
Boost payment success without more returns
Predict ACH return risk with models tailored for your payment flow, trained on how accounts transact across the Plaid Network.
Foundational AI for payment risk
Signal reads the order and timing of an account's transactions, not just totals, with cash flow, balance, and payment history.
Flexible risk assessments
Every transaction gets exactly the check it needs, from simple balance checks to advanced risk scores.
No-code risk management
Deploy pre-built rules, track performance, and adjust in real time—no code required.
12k+
global financial institutions on the Plaid Network
1 in 2
U.S. adults with a bank account have connected to an app or service using Plaid
2K+
predictive model features
How Plaid Signal works
Build risk rules
Use Plaid Balance or machine learning–powered Signal Transaction Scores to power your risk program. Out-of-the-box templates make it easy to get started.
Plaid Balance
Real-time account balance checks that mitigate insufficient funds risk.
Signal Transaction Scores
A comprehensive risk assessment that predicts the likelihood of a return using history and network context.
Bank-Initiated Score: predicts the likelihood of administrative and insufficient funds returns.
Customer-Initiated Score: predicts the likelihood of unauthorized returns.
Analyze transactions
See how transactions perform against your risk rules and drill into transaction-level details.
With Signal Transaction Scores, you get 80+ predictive attributes that explain why a transaction scored the way it did—from connection history to past ACH events, identity changes, and more.
Analyze transactions
See how transactions perform against your risk rules and drill into transaction-level details.
With Signal Transaction Scores, you get 80+ predictive attributes that explain why a transaction scored the way it did—from connection history to past ACH events, identity changes, and more.
Track and optimize performance
Monitor approvals and returns from a single dashboard, and fine-tune your rules as performance shifts.
Submit decision and returns data back to Plaid to keep sharpening the model’s accuracy for your traffic.
Track and optimize performance
Monitor approvals and returns from a single dashboard, and fine-tune your rules as performance shifts.
Submit decision and returns data back to Plaid to keep sharpening the model’s accuracy for your traffic.
ACCOUNT FUNDING
Speed up account funding.
Slow down returns.
Confidently offer near-instant funding for low-risk transactions, backed by deep financial insights and Plaid’s account verification tools.
Instantly verify account ownership
With Plaid, authenticate account info and ownership in seconds—giving you the tools to weed out fraud and consistently identify low-risk transactions.
Identify low-risk vs. high-risk transactions
Instantly fund transactions with a low risk of return, enabling customers to move money, make investments, and more—without friction.
Move money
Predicting ACH return risk gives you the confidence to offer customers flexible ways to move money—powered by our multi-rail bank payment solution.
45%
reduction in processing costs when using ACH payments
75%
reduction in return rates
63%
increase in instantly processed transactions
BILLING & RECURRING PAYMENTS
More successful payments
at a lower cost
Skip debit and credit’s high processing fees. Instantly identifying low-risk ACH transactions lets you comfortably process transactions and offer your customers a seamless payment experience.
Boost adoption
Plaid’s modern and intuitive interface makes it easy for your customers to connect their accounts, which can more than double the adoption of bank payments.
Instantly retrieve account and routing numbers
Plaid lets your customers securely and instantly connect their bank using credentials or biometrics—allowing Signal to assess transaction risk.
Predict transaction risk
Confidently process low-risk ACH transactions and divert transactions with a high risk of return to different payment methods.
