Plaid, a leading provider of consumer and business payment solutions, has partnered with a digital banking services company to reduce ACH returns and create a better user experience. The Automated Clearing House (ACH) Network remains a crucial part of the US financial system, processing 26.8 billion transactions worth $61.9 trillion in 2020. However, using ACH comes with challenges such as managing returns due to insufficient funds, stop payments, or incorrect account information. To address this, Plaid's Signal solution has helped the company reduce its return rate on incoming transactions by 50% and lower its overall return rate by 83%. The integration was seamless, thanks to outstanding technical support from Plaid, allowing the company to roll out the solution quickly. With Signal, the company can deliver programs with ACH to more customers in more places while maintaining proper risk controls. By partnering with Plaid, the company has been able to reduce returns and bad actors, enabling it to scale its operations more efficiently. To other companies facing similar challenges, Plaid advises connecting early on in the process, researching returns and fraudulent activity, and seeking guidance from Plaid to overcome obstacles. The company's top priority for the next 18 months is expanding ACH services to existing and new users of its alternative banking services.