Ensuring that ACH transfers will clear often requires conducting a risk assessment based on the account history and expected balance.
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.
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.
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.
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.
Help users proactively deposit the amount they need to avoid an overdraft with our suggested Deposit Amount Required endpoint.