Product Features
Predict return risk

Enhance your risk program with two predictive scores that indicate the likelihood of an ACH return

Increase model precision

Further refine your risk model with 60+ unique attributes that explain the “why” behind the score

Optimize payment flows

Create dynamic payment flows with tiers designed for customized responses to each level of risk

Plug into Signal to create a smarter, safer ACH ecosystem

At Plaid, we are obsessed with unlocking financial freedom for all consumers and enhancing their experience in digital financial services. That’s why we’re building a smarter, safer ACH ecosystem with solutions like Signal.

Built on the industry’s leading consumer-permissioned open banking network, Signal uses advanced machine learning to create highly accurate, custom transaction risk assessments–helping you confidently manage risk, improve transaction success, and collectively reduce fraud.

Join today’s leading banking, wealth, and payments companies and plug into Signal to unlock near-instant ACH payments–all while protecting your bottom line.

Make better risk decisions to enhance your mitigation strategy

Returns are complicated. To simplify, Plaid organizes our scores into two categories:

A “bank-initiated” score predicts the likelihood of returns initiated by financial institutions. These returns are the most prevalent, capturing insufficient funds and other administrative returns.

A “customer-initiated” score predicts the likelihood of returns initiated by users. These returns are rare, yet still risky – capturing unauthorized transactions and other fraudulent activities that greatly impact your bottom line.

Analyze ACH return risk like an expert

Confidently set the right risk thresholds for your business and optimize user payment flows without needing to dedicate a data science team.

The Signal Dashboard overviews your ACH operations, explains return risk scores, and visualizes the business impact of different risk thresholds.

Holistic Solution

Safer, faster, and smarter bank payments

Link and related products enable your users to securely connect their financial accounts in as little as seven seconds. Your users can simply authenticate their account to permission their data, initiate a payment, and they’re good to go.

With increased performance and precision with Signal, you can upgrade your user experience to boost conversion rates by unlocking faster, or even instant access to funds for low risk transactions.

The solution ensures ACH is a viable rail for your business and users – saving you time and money. It's a win-win.

Plaid Signal provides unique data for risk assessment so we can make smarter, faster decisions. Now, more Uphold users can trade instantly without having to wait the normal four-day settlement period for ACH deposits—a game changer.
Christopher Adjei-Ampofo, Chief Information Officer at Uphold

How can Signal enhance your risk program?

Our Sales team can help you configure the right solution. Contact us and we’ll get in touch shortly.

Plaid is neither a “consumer reporting agency” nor a “furnisher” of information to consumer reporting agencies, and Signal provided by Plaid is not a “consumer report,” as those terms are defined in the Fair Credit Reporting Act (“FCRA”), 15 USC 1681 et seq., its implementing regulations, and relevant state consumer reporting laws and regulations. Signal may not be used in whole or in part as a factor in determining a consumer's eligibility for credit, insurance, employment, or any other permissible purpose under the FCRA.