What does the Balance product actually check?

Balance checks real-time current and available account balances, including pending transactions, to identify potential insufficient-funds returns before a payment is initiated.

How is Balance different from Signal Transaction Scores?

Balance checks whether sufficient funds are available at a single point in time. Signal Transaction Scores predicts ACH return risk using more than 1,000 signals, which the company says makes it 47% more predictive of insufficient-funds returns than Balance alone.

Payments & rent collection

Plaid

Plaid is financial data infrastructure that lets an application connect to a consumer's bank account and then verify, assess, or move money. Its Link component handles the consumer-facing connection, and the products behind it cover account and routing number verification (Auth), account-holder identity (Identity), real-time balances (Balance), ACH return-risk scoring (Signal), and payment processing (Transfer).

Transfer moves money over ACH, RTP, FedNow, Request for Payment, and wire rails for both pay-ins and pay-outs, and can be used alongside an existing processor. Risk controls are configurable without code: Signal exposes decision rules through a dashboard, with pre-built templates, performance tracking, and transaction-level detail behind each score. Other lines cover transaction history and categorization, income and underwriting data, identity verification, AML watchlist screening, and open finance connectivity.

The company reports 900+ team members across 6 offices, support for over 12,000 financial institutions in the US, Canada, and Europe, and more than 9,000 fintech products built on the platform. It says Identity retrieves account data from 95%+ of US financial institutions and that Identity Match resolves account ownership with 99.5% precision.

This is developer infrastructure, not a packaged rent-collection product: someone has to integrate it. Pricing is not published — the site routes to sales or to the API docs — so confirm per-product pricing and which rails are available for your use case.

Best for

Property software teams, lenders, and platforms that need to verify a bank account, check a balance, screen ACH risk, or move payments programmatically. Not a turnkey rent-collection tool; it assumes engineering resources to integrate.

What they do

Bank account and routing number verification
Account-holder identity verification and matching
Real-time account balance checks
ACH return-risk scoring
ACH, RTP, FedNow, and wire payment processing
Income and underwriting data
Transaction history and categorization
AML watchlist screening and anti-fraud tools

Details

Attribute	Value
Team size	501-1,000 employees

What stands out

Supports bank connections at over 12,000 financial institutions across the US, Canada, and Europe.
Reports 900+ team members across 6 offices and more than 9,000 fintech products built on the platform.
Says Identity retrieves account data from 95%+ of US financial institutions and matches ownership with 99.5% precision.
Says Balance can catch up to 45% of insufficient-funds transactions before they are returned.

Common questions

What does the Balance product actually check?: Balance checks real-time current and available account balances, including pending transactions, to identify potential insufficient-funds returns before a payment is initiated.
How is Balance different from Signal Transaction Scores?: Balance checks whether sufficient funds are available at a single point in time. Signal Transaction Scores predicts ACH return risk using more than 1,000 signals, which the company says makes it 47% more predictive of insufficient-funds returns than Balance alone.