Deeper Guaranteed Payments tools delivered 22% more dollars approved for customers
Blog post from Plaid
Plaid’s October 2026 release expands Guaranteed Payments with tools intended to raise ACH payment approval rates while managing fraud risk, with customers reportedly seeing dollar approval rates increase by more than 22% over baseline in the prior quarter. The updates let businesses provide custom user attributes, such as tenure, wallet balance, and loyalty tier, so Plaid can tailor decisions for trusted customers whose bank-account signals alone may appear risky. The product also refreshes device, account, and behavioral signals on every transaction to identify threats such as account takeovers, mule activity, and device farming after onboarding. New coverage options include partial guarantees for portions of transactions that Plaid can confidently support and deferred full guarantees that begin after a short observation period for certain higher-risk payments. Guaranteed Payments is powered by Plaid Signal’s ACH risk data, trained on $311 billion in transactions, and Plaid Protect’s fraud intelligence from one billion devices and more than 500 million linked accounts, while Plaid’s data science team configures and continuously adjusts each program around customer-specific risk, approval, and recovery goals.
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