ACH Risk

Retrieve balance and transfer predictions to reduce ACH risk

The Problem

Ensuring that ACH transfers will clear often requires conducting a risk assessment based on the account history and expected balance.  

The Solution

Mitigate your ACH risk with Pave’s predictive analytics. Retrieve user balance records, return behavior, and historical transfer behavior to power analysis that reduces the risk of a failed ACH transfer.

Products and Benefits

Forecast user Cashflow

Get a holistic view of a user’s Cashflow all in one place with Unified Cashflow Insights. Forecast all inflows and outflows from a person’s accounts including employment and disposable income, spending and savings capability, ability to repay a loan, and more to understand historical transfer behavior.

Reduce model development time

The 450+ attributes in our Attributes Store surface predictions about a user’s cashflow including income, debt, and ability to make repayments. Use these attributes in your own custom risk model.

Drive lift in risk models

Pave’s Affordability and Risk Scores are trained on a large and growing dataset of over 4 billion bank transactions across our vast network of customers. Our scores help drive lift in your models for predicting the likelihood of default, failed payments or transfers, end-of-day balances, and the amount a user can afford to repay.

Predict overdraft amounts

Help users proactively deposit the amount they need to avoid an overdraft with our suggested Deposit Amount Required endpoint.

Interested in exploring more of this use case?