Get risk info

Plaid delivers risk scores, top risk factors, and risk parameters

Get comparative insight

Put user data in context with insight derived from Plaid’s aggregate data sets

Prevent problems

Uncover fraudulent activity and detect patterns to prevent future issues

Reduce costs

Preserve engineering and data science resources with clean, human-readable data

How it works

Start gaining insight into your users and their behavior via Risk in a few steps

  1. Add a Risk user

    Seamlessly add users with Plaid Link’s credential-based flow and post Risk users to the Plaid API

  2. Retrieve Risk data

    Once a user has been added, the account’s risk info can be retrieved at any time to authorize transactions

{
  "accounts": [
    {
      "_id": "mjj9jp92z2fD1mLlpQYZI1gAd4q4LwTKmBNLz",
      "_item": "aWWVW4VqGqIdaP495QyOSVLN1nzjLwhXaPDJJ",
      "_user": "bkkVkMVwQwfYmBMy9jzqHQob9O1KwpFaEyLOE",
      "balance": {
        "available": 1203.42,
        "current": 1274.93
      },
      "meta": {
        "name": "Plaid Savings",
        "number": "9606"
      },
      "institution_type": "chase",
      "type": "depository",
      "subtype": "savings",
      "risk": {
        "reason": {
          "zero_count": 0.38,
          "ratio_low_average": 0.75,
          "high_risk_class_txns": 0.73,
          "bank_transfers": 0.4,
          "benfords_law": 0.65,
          "transaction_amounts": 0.78,
          "additional_risk_class_txns": 0.94,
          "foreign_fees": 0.96,
          "fraction_bank_fees": 0.64
        },
        "score": 0.79
      },
    },
  ...],
  "access_token": "xxxxx"
}

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