Signal
Predict the likelihood of an ACH transaction resulting in a return.
Signal helps businesses unlock Instant ACH and minimize return risk. Signal is a comprehensive risk assessment tool, more so than a simple balance check. Its machine learning model analyzes over 1,000 risk factors to predict insufficient funds, administrative returns, and fraud in under a second. These insights power the Signal Rules Service, enabling businesses to configure decision logic through a no-code UI. By setting rules directly in the Signal Dashboard, businesses can automate risk-based decisions, reduce payment failures, and optimize ACH success rates—all while maintaining full control over their risk strategy.
Features
Benefits
Features
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.Signal Dashboard
Use the Signal dashboard to monitor your ACH returns and performance. On the dashboard, you can view ACH returns and causes over time, as well as view the details of individual transactions. You can also use the dashboard to model and backtest the impact of different Signal score risk thresholds on your return rates.Signal Rules
With Signal Rules, you can configure your decision logic directly within the Signal dashboard. Once integrated with Rules, you can tune your decisioning logic via our no-code UI and see the updated rules immediately applied to your transactions. You can create new rules, monitor their ongoing performance, and use performance metrics to tailor your rules to your desired risk level.Benefits
Increase model precision.
Optimize payment flows.