PLAID Guaranteed payments
Get up to 90% approval rates—without added risk
Failed payments cost you twice: lost revenue now, lost customers later. Guaranteed Payments uses Plaid’s network to make smarter ACH decisions on your behalf. If we approve it, we cover it.
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
Models tailored to your use case
Coverage for the return types that matter to your business
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
Models tailored to your use case
Coverage for the return types that matter to your business
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
$230Bdecisioned with Plaid Signal
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 didn’t answer 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.
