Balance
Real-time balance data without the heavy lift
Show customers their balance in your app or use easy-to-configure rules to prevent insufficient funds returns.
Catch insufficient funds earlier
Use real-time data to catch up to 45% of NSF transactions before they’re returned.
Bring real-time balances to AI
Give your AI more up-to-date financial context so you can show real-time balances to users.
Step up to stronger risk signals
Predict return risk and catch more return types with Signal Transaction Scores.
Complete your ACH payments stack
Your questions, answered
Reach out if we missed yours.
What does Balance actually check?
Balance checks real-time current and available account balances, including pending transactions, to help identify potential NSF returns before a payment is initiated.
How is Balance different from Signal Transaction Scores?
Balance checks whether sufficient funds are available at a single point in time. Signal Transaction Scores predicts ACH return risk using more than 1,000 signals, making it 47% more predictive of NSF returns than Balance alone.
How do I get started with Balance?
To get started with Balance, select Signal Balance Checks when setting up Plaid production access or in the Plaid Dashboard. Then go live with out-of-the-box rules in the Signal Rules Dashboard, with no code changes required after your initial integration.
Which payment types does Balance support?
Balance supports ACH debit payments for accounts connected through Plaid Link.
