Stop funding payroll you can't collect on.
Fundgate gives payroll operators real-time visibility and control over every client funding event, so an NSF return never lands on you.
Plaid-connected · AI risk decisioning · Limits by transfer type & timing
Every debit to fund payroll is a risk you carry.
Every time you debit a client to fund payroll, you carry the risk. If the debit returns NSF after you've already paid their employees, you eat the loss.
Fundgate closes that gap. Connect each client's bank account through Plaid once, and Fundgate verifies the funds are there before money moves, scores the account's risk, and gates every transfer by type and timing.
Fewer returns. Lower exposure. Faster onboarding.
Funding blind turns one bad client into your loss.
- ACH returns and NSF events turn into direct operator losses.
- You're funding blind, with no view into a client's actual balance on payroll day.
- One client running thin can wipe out the margin on dozens of clean accounts.
- Manual risk review doesn't scale as you add logos.
Connect, score, and gate every funding event
Three steps from onboarding to an instant decision on every transfer — no manual review queue.
Client links their bank
Each client connects their bank account once through Plaid during onboarding — no ongoing data entry.
Fundgate reads & scores
We read balances, cash-flow patterns, and return history, then assign a risk tier to the account.
Instant decision
Every funding event gets an instant approve, hold, or reject — with limits set by transfer type and risk.
Everything you need to fund with confidence
Balance intelligence, underwriting, and programmable limits — working together on every transfer.
- Average daily balance across trailing 30, 60, and 90 days
- Live available-balance check at the moment payroll is initiated
- Balance trend and volatility scoring
- NSF and overdraft history pulled from transaction data
- Alerts on closed, frozen, or recently changed accounts
- Optional business-credit, credit-history, and FICO scoring — enable per program or leave off entirely
- Optional personal-guarantor checks at onboarding
- Continuous monitoring with re-pull triggers on risk events
- Cash-flow underwriting that blends Plaid data, optional credit, and payroll history
- Industry-weighted risk scoring
- Distinct ceilings for funding wire, reverse wire, and ACH at every settlement window
- Per-client, per-transaction, and rolling aggregate limits
- Auto-graduation as clients build clean history
- Auto-throttle when balance or credit signals weaken
- Push higher-risk clients onto longer ACH windows or reverse wire until seasoned
- Require wire above a dollar threshold
- Hold employee disbursement until the employer debit clears for flagged clients
- Dynamic reserve requirements by tier
- Real-time decisioning on every funding event
- Exposure dashboard showing total at-risk dollars by settlement date
- Return-rate tracking per client
- Full audit trail on every limit change and override
A model that learns from every funding event
Fundgate doesn't just apply static rules. Its risk engine forecasts the probability a debit returns before you fund, adapts limits as accounts behave, and gets sharper with every outcome across the network.
Predictive return scoring
Estimates the probability of an NSF or ACH return for each event before money moves — so you act on a forecast, not a post-mortem.
Balance & cash-flow forecasting
Projects each account's likely balance on payroll day from transaction patterns and seasonality, flagging shortfalls early.
Anomaly & fraud detection
Surfaces unusual account behavior — sudden drawdowns, new ownership, atypical inflows — in real time, ahead of a loss.
Adaptive limits
Continuously retunes each client's limits and risk tier as behavior changes — graduating clean accounts and throttling weakening ones automatically.
Every model decision is explainable and overridable: Fundgate shows the contributing signals and their weight, keeps a human in control of policy, and records a full audit trail. Models are trained on de-identified funding outcomes and improve as volume grows.
Limits tighten as recovery time shrinks
Shorter settlement means less float and less recovery time — so Fundgate tightens limits as risk rises, automatically.
Risk reflects how much float and recovery time a transfer type leaves you if a debit returns. Fundgate sets and adjusts these limits per client and per tier — and can route a client to a safer transfer type until they season.
What changes once Fundgate is on
Fewer NSF returns
Verify funds before money moves, and chargebacks drop with them.
Lower daily exposure
See total at-risk dollars by settlement date and cap them by tier.
Faster onboarding
Automated scoring replaces manual review — onboard with confidence.
A path to revenue
Turn the same data into financing with Lendea — risk control becomes a revenue line.
Start with control, grow into revenue
Three steps along the same data. Begin where you are today and turn on more as you scale.
Built by operators who run payroll at scale.
Fundgate runs on the same infrastructure that has paid 1.5M employees — so it's designed around how funding actually works, not bolted on after.
See your funding risk before it costs you.
Book a walkthrough and we'll map your transfer mix, your exposure, and where Fundgate cuts returns first.