Plaid Signal
Boost payment success without more returns
Convert more payments and deliver a seamless experience by predicting ACH return risk with the Plaid Network and machine learning.
Flexible risk assessments you control
Choose the right level of risk assessment for your needs—from simple balance checks to advanced risk scores based on account data and transaction history.
Effortless, no-code risk management
Harness Signal’s insights through its decision dashboard and Rules Service—no coding needed. Here you can deploy pre-built rules, track their performance, and optimize in real time.
global financial institutions are on the Plaid Network
U.S. adults with a bank account have connected to an app or service using Plaid
daily connections
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 returns using account data and Plaid Network insights.
Indicates the likelihood of insufficient funds or administrative returns.
Indicates the likelihood of suspected fraud or disputes.
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.
Deploy and optimize rules
Greater context for each transaction helps you fine-tune your risk model and uncover more low-risk payments—boosting conversion.
Deploy and optimize rules
Greater context for each transaction helps you fine-tune your risk model and uncover more low-risk payments—boosting conversion.
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.
reduction in processing costs when using ACH payments
reduction in return rates
increase in instantly processed transactions
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.
By leveraging Signal and our own data, we’re able to offer instant trading to more customers while lowering the risk of returns. It’s a win-win.
Omid Scheybani
Head of Partnerships and Business Development
