About Certos℠
The Certos℠ network brings together decades of shared intelligence from thousands of participating financial institutions to provide a comprehensive portfolio of identity, account, and payment risk solutions. Our real-time intelligence provides deeper insights than any single institution can achieve alone, helping organizations anticipate threats, reduce fraud, and make clear, confident decisions.
The Certos℠ brand is the new identifier for the Early Warning® identity and payment risk solutions. It brings together established capabilities that organizations rely on today under a single, unified brand.
Early Warning Services, LLC, a financial services technology leader, has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting-edge fraud and payment solutions for almost four decades. We partner with more than 2,500 banks and credit unions to increase access to financial services and products. Early Warning is the company behind Zelle®, Paze®, and Certos℠—three brands that help people and customers pay, verify, and protect financial transactions at scale.
Our real-time intelligence provides deeper insights than any single institution can achieve alone, helping organizations anticipate threats, reduce fraud, and make clear, confident decisions.
Online checkout offered by banks and credit unions—here to give you confidence at checkout.
Send money to friends and family quickly, even if they bank somewhere different than you do¹.
¹ To send or receive money with Zelle®, both parties must have an eligible checking or savings account.
