With Signal, make funds available more quickly to your users, all while minimizing the risk of ACH returns. Our machine-learning model is trained using consumer-permissioned data, including over 1,000 risk factors to indicate the likelihood of a return.

These factors include Plaid-exclusive data, such as bank account usage and connection activity across Plaid's large and diverse network of more than 5,000 applications. This breadth of collective data can be applied to ACH transactions to separate low risk from high, allowing you to release funds earlier and optimize your user experience.

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Two risk scores

Two scores help you manage the risk of a transaction's return in a more calibrated way:

A “bank-initiated” score predicts the likelihood of returns initiated by financial institutions, such as insufficient funds (R01, R09) and administrative returns (R02, R03, R04), which usually have a return time frame of two banking days. These returns are the most prevalent.

A “customer-initiated” score predicts the likelihood of returns initiated by users, such as unauthorized returns (R10), which can have a return time frame of up to 60 calendar days. These returns are often caused by hard-to-predict fraudulent activities, and can lead to significantly higher financial costs.

how it works

Risk tiers and insights

Every score will be paired with a tier to help you better understand the associated level of return risk. Scores that fall into lower risk tiers, for example, can have funds accelerated with greater confidence. 

Each score will also come with nearly 40 predictive insights spread across four categories. These insights will help provide even greater visibility into the factors contributing to a given score and tier. 

Four categories of insights
Plaid connection history
Plaid connection history

The account’s connection history across the Plaid network, which includes over 11,000 institutions and 5,000 applications.

Account usage
Account usage

Insights based on the account’s transaction history and balance usage.

Past ACH events
Past ACH events

Past ACH events such as insufficient funds, overdrafts, and potential unauthorized returns.

Identity changes
Identity changes

Insights into recent changes to the identity data associated with the account.

Powered by consumer-permissioned data

Signal is powered by Plaid’s consumer-permissioned data network. We only share personal information with the consumer’s consent. And we never sell or rent it to outside companies.

Powered by consumer-permissioned data
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.
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Christopher Adjei-Ampofo, Chief Information Officer at Uphold