See the patterns others miss

Plaid pulls together behavior, device activity, and account insights from the network so you can spot fraud risk early, before it’s too late.

Investigate with confidence

Give your team a single dashboard to search, investigate, and act with AI tools that surface patterns fast and cut down on manual reviews.

Route users to the right path

Let real-time risk checks guide users to the right path—onboarding trusted users faster and stepping up when something looks off.

50% reduction in fraud

in the first six months of using Plaid

40% more fraud spotted

after stepping up only 5% of users in early testing

See fraud risk from the start

Get a sense of what’s normal with insights grounded in real behavior, device activity, and bank account history.

  • A wider view of customer behavior Get insights from the Plaid Network, which connects 9,000+ apps, 12,000+ banks, and over a billion devices.
  • Fraud risk indicators that highlight when something’s offTransaction patterns and behavior changes help spot unusual account activity as it happens.
  • Fraud reports that help everyone stay safer Reports from businesses and people who flag stolen or misused credentials help surface potential fraud sooner.

Investigate faster with a single view

See all your risk indicators in one dashboard, use simple AI tools to search and spot hidden patterns, and turn what you learn into no-code rules instantly.

Make risk checks invisible

Continuous, behind-the-scenes checks on device, behavior, and account insights help your team understand when user activity is normal—and when it isn’t.

  • Background screeningReal-time risk checks that work behind the scenes and never get in the way of the user experience.
  • Behavior and device intelligencePassive checks help confirm details like known devices and consistent behavior without adding friction.
  • Dynamic risk scoringRisk scores update with every event, helping teams step up at the right moment—when it matters most.

Protect

Spot fraud risk in real time with insights from Trust Index scores and network data.
Detect & stop fraud in real time

Layer

Authenticate return users without asking them to re-enter login credentials.
Authenticate returning users

Identity Verification

Verify identities and screen for risk indicators to keep onboarding smooth.
Verify user identities

Signal

Predict ACH returns based on connection history, identity changes, and past events.
Predict ACH return risk

Identity

Confirm account ownership and stop takeover attempts with bank data.
Verify account ownership

Monitor

Screen customers daily against sanctions and PEP lists to help meet AML needs.
Run daily AML screenings

CUSTOMER STORIES

See how teams stay ahead of fraud and risk with Plaid

  • Veridian Credit Union cut down on paperwork and boosted approvals
    Read the story
  • How Uphold sped up withdrawals and cut return losses by 80%
    Read the story
  • Wave reduced suspected fraud by 72% and made ACH feel effortless
    Read the story
  • How Varo Bank reduced fraudulent returns by over 50%
    Read the story

Your questions, answered

Reach out if we missed yours.

What is a fraud prevention solution?

A fraud prevention solution is a set of tools that can help detect, reduce, and respond to fraud across the customer lifecycle.

How can businesses reduce fraud without adding user friction?

Businesses can reduce fraud without adding user friction by using fraud insights powered by device signals, applying adaptive step-ups only for high-risk users, and using a configurable dashboard to customize risk rules and set success criteria that match their risk tolerance.

How does Plaid help companies reduce fraud?

Plaid helps companies reduce fraud with device and behavioral analytics, identity and account checks, and network intelligence that flags risk in real time. Our ML models give companies the insights they need to add step-ups when needed and block coordinated fraud attacks early.

What types of fraud can Plaid help prevent?

Plaid helps prevent account takeover, synthetic and stolen identity fraud, coordinated fraud rings, first- and third-party fraud, and promo or onboarding abuse.

Can Plaid help detect synthetic and stolen identities?

Yes. Plaid can help detect synthetic and stolen identities using device behavior, reuse patterns, and document or liveness checks.

How can Plaid’s network intelligence help identify potentially fraudulent behavior?

Plaid’s network intelligence can help identify potentially fraudulent behavior by spotting account reuse and unusual patterns across apps and sessions.

How can Plaid integrate with existing fraud or risk systems?

Plaid can integrate with existing fraud or risk systems through APIs and insights that plug into your decisioning engine and workflows.

Ready to see the risk you’ve been missing?

Let’s get started

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