Fall 2024 Product Update banner with grid design elements and a person holding a smartphone, next to a speedometer icon.

Building a network-powered financial future

Watch Jen Taylor, President of Plaid, talk about our network and how our products are helping customers grow and lower costs — all while managing risk and compliance.

Learn how MoneyLion is reimagining the lender and consumer experience

Watch MoneyLion's Chief Product Officer, Tim Hong, and Plaid's Head of Identity, Alain Meier, talk about building a financial marketplace that better meets today's consumer needs.

Watch now

Convert more users, reduce fraud

First impressions are everything. That’s why we obsess over making one of the first steps in signing up for your app or service with Plaid simple, frictionless, and secure so that you can convert as many trusted users as possible from the start.

The internet’s fastest financial onboarding

Layer helps you satisfy KYC requirements, link bank accounts, and onboard tens of millions of users who have saved their information with Plaid.

Learn more

  • Choose your onboarding criteria

    With the new Layer dashboard, you can decide your onboarding preferences by defining what information is required, optional, or not needed.

  • Add your logo and select your dashboard theme easily.

Reach more borrowers while managing risk with cash flow underwriting

We’re making cash flow data much easier for loan applicants, while providing unique insights so that you can better assess credit risk.

Cash flow data without user friction

Integrate with Layer to seamlessly request cash flow data at the application stage and make smarter risk decisions.

Learn more

Cash flow data without user friction

Integrate with Layer to seamlessly request cash flow data at the application stage and make smarter risk decisions.

Learn more

  • Get unique insights to help assess credit risk

    Gain valuable insights based on account connection history across the Plaid Network to help you make confident underwriting decisions.

    Learn about credit network insights

  • Better service borrowers with cash flow updates

    Get notified of post-origination changes to help you assess whether a borrower may qualify for a higher credit limit or be at risk of missing a payment.

    Learn about cash flow updates

Learn how MoneyLion is reimagining the lender and consumer experience

Watch MoneyLion's Chief Product Officer, Tim Hong, and Plaid's Head of Identity, Alain Meier, talk about building a financial marketplace that better meets today's consumer needs.

Watch now

Fraud Prevention

We’re constantly enhancing our anti-fraud engine, ensuring you can onboard more users with confidence as our algorithm gets smarter every day.

  • Improve pass rates with better fraud calibration

    Review and label past sessions as fraudulent or not in our updated Identity Verification dashboard. Plaid automatically refines your fraud model to increase pass rates and reduce false positives.

    Learn about Identity Verification

  • Scan new data breach reports to prevent fraud

    In addition to account takeovers, stolen, and synthetic identity signals, Beacon can can now flag if an individual’s identity data or bank account information has been compromised or part of a data leak.

    Learn about Beacon

Payments

We’re bringing Plaid’s account linking solution to pay by bank to help you lower transaction costs and reduce return risk.

  • Maximize bill pay success with pay by bank

    Our bill pay solution offers industry-leading conversion and return rate reduction, while enabling tens of billions in payments volume.

    Learn about Pay by Bank for bill pay

  • Get faster, simpler, guaranteed payments

    Plaid’s risk engine handles all the complexity of ACH return risk and guarantees your settlement like a card payment.

    Learn about Guarantee ACH

  • Boost payment success with smarter risk rules

    Leverage customizable, machine-learning risk rules to reduce ACH returns and optimize payment performance instantly.

    Learn about Signal Rules Service

  • Match a user’s identity to a bank account

    Our new, no-code dashboard comes with pre-configured rules to help you match an identity to bank account ownership to reduce risk.

    Learn about Identity

Open Finance

Our solutions help authorized third parties and data providers prepare for open banking requirements and serve consumers' changing needs.

  • Simplify open banking compliance

    Customers (authorized third parties) can more easily meet Section 1033 compliance with our solutions for authorization management, record retention, and new onboarding requirements.

    Prepare for open banking regulation

  • Unlock new growth opportunities

    Data providers can more easily meet API connectivity requirements to grow consumer engagement and stay at the center of their financial lives.

    Learn about our open finance solution

Personal Finance

Our seamless experiences make it easy for people to connect their financial accounts and do more with their money.

  • Grow your assets under management

    Automate ACATS transfers to improve conversion and settlement rates—all with broker-sourced data.

    Learn about Investments Move

  • Link multiple accounts from different institutions

    Allow users to link multiple bank accounts from different institutions in the same session for an efficient, secure experience.

    Learn about Link

background brushstroke

Chat with an expert to build your financial foundation with Plaid

Ready to get started?

By submitting this form, I confirm that I have read and understood Plaid's Privacy Statement.