
Plaid Signal
More successful payments. Fewer returns.
Signal uses machine learning to predict ACH return risk so you can boost conversions and deliver a frictionless payment experience.

Risk assessments powered by the Plaid Network
Signal leverages over 1,000 data points from your customer’s account data and network history to analyze their transactions—giving you the insight to make powerful risk assessments.
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
Analyze transactions
Signal analyzes account data and network history to generate two predictive scores that indicate return risk:
• Bank-initiated risk score (e.g., insufficient funds)
• Customer-initiated risk score (e.g., suspected fraud or disputes)

Review assessments
Receive over 80 predictive insights from each transaction that explain the “why” behind both scores.
• Insights come from the account’s connection history, past ACH return events, changes linked to identity, 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.




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