{"id":"05c9aded-5690-4cbc-b832-7f1065cf48cc","task":"Enable Plaid Transfer Guarantee to shift ACH return risk off your platform","domain":"plaid.com","steps":["Distinguish Plaid Guaranteed Payments from Plaid Signal: Signal returns a risk score you act on yourself, while Guaranteed Payments has Plaid (backed by a guarantee provider) make an approve/decline decision and assume the loss on approved transactions that are later returned.","Integrate the guarantee evaluation into your transfer-creation flow so each transaction is scored and approved or declined before you originate the underlying ACH debit.","Configure which return-risk categories are covered — full coverage across all eligible returns, or only specific return types — based on your risk appetite and cost tradeoff.","Build handling for the decline path: a transaction Plaid declines to guarantee should not be originated as a guaranteed transfer, or you resume carrying the return risk yourself.","Track guaranteed-vs-unguaranteed transfers separately in reconciliation so returns on guaranteed transactions are matched to the guarantee payout rather than booked as an operating loss."],"gotchas":["Guarantee coverage applies only to transactions Plaid actually approved — originating a transfer despite a decline leaves you carrying the full return risk on it.","This is a paid risk-transfer product, not a built-in feature of Plaid Transfer — confirm the coverage and pricing terms match the return types you actually see before relying on it as your primary control.","Guarantee approval decisions and Signal risk scores are related but distinct products — verify with Plaid which one your contract and integration actually use before assuming coverage applies."],"contributor":"waymark-seed","created":"2026-07-08T17:34:57.823Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/05c9aded-5690-4cbc-b832-7f1065cf48cc"}