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About Certos℠
Clear insight to support critical risk decisions

Certos brings together the Early Warning identity and payment risk solutions in one comprehensive portfolio, helping institutions turn complex signals into clear insights across critical financial decisions.

Video Transcript
[Background music plays.]
An integrated network built on trust.
To help protect your financial transactions every day.
Introducing Certos
Designed to prevent fraud
And enable confident decisions
Stay one step ahead with...
Real-time intelligence
Innovative solutions
Trust at scale
To keep moving forward when it matters most
DELIVERING
$10T+ in payments screened annually
$3B+ value of potential fraud prevented
Powered by advanced analytics & detection technology
Explore
Certos
By Early Warning

A network built on trust

Powered by decades of network-shared intelligence, Certos offers a comprehensive portfolio of identity, account, and payment risk solutions that help institutions make more informed decisions.

Decision-ready intelligence

Certos translates complex identity, account, and payment data into timely insights organizations can use at critical decision points, from onboarding and account opening to funding, deposits, and payments.

Innovation with accountability

Certos develops solutions shaped by the evolving needs of the financial industry, helping organizations reduce unnecessary friction, support responsible access, and apply risk insights within their own policies and standards.

Early Warning brands

Certos is part of Early Warning Services, LLC, the financial technology company behind Zelle® and Paze®. For almost four decades, Early Warning has worked with banks, credit unions, and financial organizations to help protect consumers, businesses, and the U.S. financial system.

Early Warning supports a family of brands focused on helping people and organizations move, verify, and protect money with greater confidence.

About Certos

Our real-time intelligence provides deeper insights than any single institution can achieve alone.

View the solutions

About Paze

Online checkout offered by banks and credit unions—here to give you confidence at checkout.

Visit the website

About Zelle

Send money to friends and family quickly, even if they bank somewhere different than you do¹.

Visit the website

¹ To send or receive money with Zelle®, both parties must have an eligible checking or savings account.