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Nacha Preferred Partner

Real-time insights built for evolving Nacha requirements

Certos® by Early Warning® helps support Nacha compliance through real-time account validation insights at scale.

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Account validation needs to work in real time.

As payment operations adapt to faster digital experiences and changing Nacha requirements, the Certos by Early Warning solutions help organizations confirm account status and ownership, reduce avoidable friction, and apply returned insights within their own policies and controls.

What Certos solutions help you do

Real-time insights for validation, screening, and decisioning

Support Nacha WEB Debit Account Validation

Validate account status and ownership in real time to help meet validation requirements and support fraud mitigation.

Validate payment source and destination accounts

Confirm account information during enrollment to help reduce misdirected payments and manual review.

Protect disbursements before funds move

Review account and payment indicators before outbound disbursements are released.

Configurable to your policies

Align risk insights with your policies, compliance requirements, and risk tolerance to make informed decisions.

82% of the nation's ACH transactions are contributed to the Certos network

Explore the benefits

Account validation without unnecessary slowdown

Support compliance workflows

Use real time account validation
insights to help meet Nacha WEB
Debit Account Validation requirements and align decisions to your policies.

Reduce payment friction

Validate account information through an inquiry-based workflow that supports faster payment enrollment and a smoother customer experience.

Improve operational efficiency

Automate account validation and
payment review processes to help reduce manual work, rework, and administrative burden.

Strengthen payment  confidence

Use account ownership, account
status, and payment risk indicators to support more informed decisions before funds move.

Solutions designed for account validation and risk decisioning

The Certos® solutions work together to help organizations validate
accounts, review payment risk, and support compliance requirements

Payment Chek®

Payment Chek screens payment items in real time to help reduce risk on incoming payments and validate out bound disbursements.

Verify AccountSM

Verify Account helps validate ex ternal account status and ownership in real time to support safe funding, transfers, disbursements, and payment enrollment.

Deposit Check®

Deposit Chek evaluates deposit risk to support funds availability decisions while helping reduce the potential for fraud loss.

Network scale for real-time decisions

$

11

trillion+

In 2025, Certos screened $11.4 trillion in payment and deposit transactions.

$

1

billion+

In 2025, Deposit Chek helped the U.S. Financial System save $1.65 billion in total potential fraud loss.

17

million

In 2025, Payment Chek helped the U.S. Financial System identify 17 million payment transactions going to potentially unauthorized accounts.

Early Warning Services, LLC (2025). Internal Analysis of National Shared Database℠ Inquiries. Unpublished.

Your Recommended Solutions

Wire Fraud Prevention

Use network-informed recipient account risk insights to help identify higher-risk wires, intervene before funds are sent, and reduce repeat fraud across participating institutions.

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Asset and eligibility review

Access asset-related information to support eligibility determinations and program reviews, helping maintain consistency across claims and benefits workflows.

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Ongoing identity monitoring

Access continuous identity-related alerts that help your consumer customers stay aware of changes or activity that may indicate identity misuse.

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Secure account linking and transfers

Validate account ownership and authorization during linking and transfer enrollment to help avoid misdirected payments.

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Disbursement and payment risk protection

Review inbound and outbound payment activity to help identify potentially improper disbursements before funds are released.

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Funds availability confidence

Help make confident funds availability decisions while reducing the potential for fraud losses by reviewing deposit, payment, and account indicators to limit unnecessary holds for customers.

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Expand financial access

Evaluate applicants with no credit history using identity and account-based insights to expand access to financial services responsibly.

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Support risk-based account onboarding

Apply risk insights to help guide initial limits, transaction thresholds, and product access while reducing the potential for fraud and account abuse.

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New account funding confidence

Distinguish real people from synthetic or stolen identities early, helping increase approval rates for customers with legitimate identity credentials with a fast, seamless onboarding experience.

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Prepare for what's next in ACH compliance

As Nacha rules continue to evolve, financial institutions and organizations need payment risk strategies that can adapt. Certos
solutions support account validation, fraud monitoring, and policy-based decisioning.

September 18, 2026

Definition of IA T Entries
Funds Availability Requirements for Non- Same Day ACH Credit Entries

January 1, 2027

Registration of IAT Contacts in the ACH Contact Registry

March 19, 2027

Optional Date of Birth Field for IAT Entries
Non-Bank Foreign Financial Agencies in IAT Entries

September 17, 2027

Increasing the Same Day ACH Dollar Limit to $10 Million

March 17, 2028

New Return Reason Code (R90) for Sanctions Compliance Obligations

Is your ACH strategy  ready for what's next?

Let s talk about how solutions from
Certos can help your organization
support Nacha compliance, reduce
payment risk, and validate accounts
in real time.

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