Payment Success Indicator delivers predictive NSF and unauthorized-return risk scores for account-to-account payments.
Payment Success Indicator is a Mastercard open-finance API product that returns two predictive risk scores for United States account-to-account payments through a single endpoint. One score estimates the likelihood of a non-sufficient-funds return, and the other estimates the risk of an unauthorized return.
The product addresses NACHA-regulated ACH return codes R01 and R10, helping payments partners stay below return-rate compliance thresholds. Reported use cases include account funding, bill payments, loan repayments, and government disbursements, with the scores used to adjust payment timing, routing, and method.
Plaid
Plaid Signal
plaid.com
Sardine
Sardine Bank Payment Fraud
sardine.ai
Socure
Socure Account Intelligence
socure.com
Adds products that compete with one of Payment Success Indicator’s direct competitors but not with Payment Success Indicator itself. They are shaded, and Linked Through names the direct competitor each one competes with.
| Attribute | Payment Success Indicator | Plaid Signal | Sardine Bank Payment Fraud | Socure Account Intelligence | |
|---|---|---|---|---|---|
| Provider |  | |  |  | |
| Founded | 1966 | 2013 | 2020 | 2012 | |
| Sells To | Financial Institutions | B2B, Enterprises | Financial Institutions | B2B, Enterprise | |
| Pricing Model | — | Subscription, Usage-based | Recurring Transactional | Recurring, SaaS, Subscription | |
| Ownership | Public | Private | Venture-backed | Venture-backed |
Provider
Founded 1966
Sells To Financial Institutions
Pricing Model —
Ownership Public
Provider
Founded 2013
Sells To B2B, Enterprises
Pricing Model Subscription, Usage-based
Ownership Private
Provider
Founded 2020
Sells To Financial Institutions
Pricing Model Recurring Transactional
Ownership Venture-backed
Provider
Founded 2012
Sells To B2B, Enterprise
Pricing Model Recurring, SaaS, Subscription
Ownership Venture-backed
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