PLAID Guaranteed payments
Get up to 90% approval rates—without added risk
Give more users instant access to funds. Guaranteed Payments makes smarter ACH decisions on your behalf. If we approve it, we cover it.
How it works
One solution for ACH payments, from approval to settlement.
Connect
Users link their bank account with a fast, reliable connection.
Predict
Signal, Plaid's proven risk model, predicts return risk in real time—on every ACH payment.
Decide
Plaid makes the call: approve or decline. If approved, we process the transaction.
Cover
Plaid guarantees settlement on approved payments, so you don't have to take on risk yourself.
Approve more of the right transactions
Increase approval rates with models trained beyond your own transaction history. That means more revenue and fewer false declines.
Up to 90% approval rates, from models that predict ACH returns and fraud
Feed in your own customer data to boost approvals for VIPs and established users
Models and rules built and continuously refined for your use case
Approve more of the right transactions
Increase approval rates with models trained beyond your own transaction history. That means more revenue and fewer false declines.
Up to 90% approval rates, from models that predict ACH returns and fraud
Feed in your own customer data to boost approvals for VIPs and established users
Models and rules built and continuously refined for your use case
Decisions powered by network-scale dataScale means recognition. The more accounts connected to Plaid, the more likely we've seen your customer before—and can make the right call.
500M+
connected accounts
12,000+financial institutions
$311Bdecisioned with Plaid Signal
Coverage that fits your business
Only pay for the protection you actually need.
Increased approved dollars with partial amount guarantees, instead of declining the entire payment
Deferred guarantees on higher-risk transactions, with the full amount released after a hold period
Coverage for the return types that matter most to your business
Coverage that fits your business
Only pay for the protection you actually need.
Increased approved dollars with partial amount guarantees, instead of declining the entire payment
Deferred guarantees on higher-risk transactions, with the full amount released after a hold period
Coverage for the return types that matter most to your business
Convert more customers
Payments start with Plaid Link, the industry’s leading account linking flow. Fewer drop-offs, more customers who pay.
Boost conversion by up to 23%
100M+ users have saved their info with Link
Returning users connect with one tap
Convert more customers
Payments start with Plaid Link, the industry’s leading account linking flow. Fewer drop-offs, more customers who pay.
Boost conversion by up to 23%
100M+ users have saved their info with Link
Returning users connect with one tap
Cat Sullivan
Head of Product, KalshiYour questions, answered
Reach out if we missed yours.
What is an ACH payment guarantee?
An ACH payment guarantee protects businesses from the financial risk of returned or failed bank payments—transferring that risk to a guarantee provider so they can accept payments with confidence.
How do ACH payment guarantees work?
A provider evaluates each transaction and makes an approval or decline decision. If an approved payment is returned, the provider absorbs the loss—so businesses receive their funds regardless of outcome.
How is Plaid Guarantee different from building ACH risk in-house?
Plaid Guarantee eliminates the need to build, staff, and maintain your own ACH risk program. You get predictable settlement backed by Plaid Signal, which has decisioned over $230B in payment transactions.
How does Guarantee reduce operational overhead?
Guarantee removes the ongoing work of managing ACH risk in-house—no more monitoring return rates, tuning risk models, or handling loss remediation. Your team focuses on growth, not infrastructure.
How does Guarantee improve payment approval rates and conversion?
Because return risk is covered, teams can extend payment access to more customers without increasing loss exposure—turning previously risky approvals into completed transactions.
What do businesses need to get started with Guarantee?
Sign up for our beta waitlist and we'll be in touch.
