Insight at the moment of payment

Payment Chek® helps assess the risk of incoming payments and validate outbound disbursements to help your institution identify high-risk transactions in real-time.

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What sets Payment Chek® apart

Powered by shared intelligence

Gain peace of mind in knowing risk-assessment capabilities and insights are derived from network-scale U.S. financial deposit performance data.

Built for informed, real-time decisions

Validate external accounts and identify high-risk payments when they’re initiated to protect against fraud, non-sufficient funds (NSF) and administrative returns.

Designed to support regulations and your policies

Simplify compliance with Nacha WEB Debit Account Validation Rule, and configure business logic and risk score thresholds based on your risk tolerance and requirements.

Explore how leading institutions are strengthening payment fraud prevention with Payment Chek®

Guide
5 use cases for combating deposit and payment fraud in real-time
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Combating Payment Fraud

See how financial institutions use Payment Chek® to screen inbound payments and validate external accounts in real time.
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ebook
Payment and deposit fraud prevention in the era of faster banking
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Payment and Deposit Chek® eBook

Learn how institutions balance fraud mitigation, payment validation, and operational efficiency in a real-time payments environment.
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Help identify high-risk payments together

Prevented losses

$

126

M

Payment Chek® helped prevent $126M in improper and fraudulent credit payments in 2024.1

‍

Payment risk responses

93

%

Payment Chek® provides responses on 93% of payment inquiries.1

‍

Savings potential

$

14

M

A financial institution with 10M credit accounts can expect to save $14M annually.1

‍

¹ Early Warning® analysis of 2024 National Shared DatabaseSM inquiries.

Three ways to help reduce losses and improve customer experiences with Payment Chek®

Screen inbound payments

Gain insights into the types of accounts payments come from, the accounts’ status, ownership, and payment-item risk scores to then accept payments with less risk.

Validate outbound payments and disbursements

Confirm the ownership and standing of external deposit accounts in real time to mitigate misdirected or fraudulent payments or disbursements before they are sent.

Setup payment source and destination accounts

Enroll an account for the purpose of accepting or sending future payments or disbursements to mitigate the risk of misdirected payments, without adding customer friction.

Talk to an expert

Learn how Certos helps financial institutions reduce fraud and protect payments at scale.

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