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See how AI is shaping finance and get to know the latest products from Plaid.

- ### Seamless qualification  
Get users linked and qualified with the industry’s trusted financial onboarding.

- ### Smarter approvals  
Assess repayment risk with insights from a network of 1M+ daily connections.

- ### Real-time risk insights  
Stay ahead of fraud, confirm balances, and time repayment to income deposits.

- ### 20% more coverage  
 in transaction categories compared to the nearest competitor

- ### 500M+ transactions  
 enriched daily across our network

### Qualify more users  
Help new users connect through a familiar, mobile-first experience trusted by millions of U.S. bank account holders.

- Convert up to 25% more potential users  
- Reach users across 99.9% of U.S. banks and credit unions  
- View income, pay cycles, and balances instantly

### Assess repayment risk  
Make smarter approval decisions using live data from each user’s cash flow history.

- See recurring payroll deposits, including frequency and consistency  
- Spot spending trends and overdraft patterns to assess ability to repay

### Reduce losses  
Use real-time insights to mitigate risk, time repayment, and cut losses.

- Know when income lands in a user’s bank account to time repayment  
- Check balances before repayment to reduce NSF risk  
- Understand user financial behavior to predict fraud risk more accurately

“Plaid was the best choice for us because of its data quality and ease of integration. Plaid has done a great job of normalizing its service across all financial institutions, so we don’t have to worry about where our users do their banking.”  
##### Zuben Mathews  
CEO & CO-FOUNDER

### Transactions  
See up-to-date transaction history to make safer, more accurate cash advance decisions.

[See transaction insights](https://plaid.com/products/transactions/)

### Auth  
Instantly confirm a user’s bank account details to initiate repayment easily.

[Verify bank account details](https://plaid.com/products/auth/)

### Balance  
Check real-time balances before repayment to prevent insufficient-funds failures.

[Check balances before payment](https://plaid.com/products/balance/)

### Income  
Speed up debt-to-income calculations with detailed income insights.

[Verify income faster](https://plaid.com/products/income/)

### Underwriting  
Strengthen credit decisions with clear views into a borrower’s financial stability.

[Predict risk more accurately](https://plaid.com/check/income-and-underwriting/)

### Protect  
Assess risk from onboarding to repayment with first-of-its-kind fraud data.

[Stop fraud before it starts](https://plaid.com/products/protect/)

## customer stories

### See how teams grow with earned wage access  
- **Klover gets customers $1M a day in cash advances**  
[Read the Q&A](https://plaid.com/customer-stories/klover/)  
- **Branch uses Plaid to stay at the forefront of digital finance**  
[Read the story](https://plaid.com/customer-stories/branch/)  
- **Brigit helps users save an average of $500 a year on fees and interest**  
[Read the story](https://plaid.com/customer-stories/brigit/)  
- **Chime boosted account funding by 300%**  
[Read the story](https://plaid.com/customer-stories/chime/)

## Your questions, answered

Reach out if we missed yours.  
### What is earned wage access?  
Earned wage access (EWA) lets consumers access money they’ve already earned—before payday. EWA is offered through employers or third-party apps and typically repaid once the employee's paycheck is deposited.

### How does earned wage access help consumers and providers?  
Earned wage access helps consumers manage cash flow, reduce financial stress, and avoid high-interest alternatives.

### Does earned wage access cost consumers money?  
Earned wage access may cost consumers money. Some providers offer free transfers, while others charge for faster delivery or added features.

### How does an earned wage access app determine eligibility?  
An earned wage access app determines eligibility by reviewing income patterns and pay history linked by the user.

### Do earned wage access apps require employer participation?  
Earned wage access apps do not require employer participation and typically work directly with the employee’s bank account.

### How do earned wage access apps get repaid?  
Earned wage access apps get repaid by deducting the accessed amount from the user’s next paycheck or bank deposit.

## The data you need for the confidence you deserve  
### Let’s get started
Talk with our team