Disbursement and Payment Risk Protection

Protect against disbursement and payment risk

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

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Get to know us

As the Trusted Custodian® of the National Shared Database℠ Resource, the Certos℠ network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk for the use cases you’re exploring here.

Explore the Benefits

The Certos Network In Action

The Certos network contains a broad set of deposit performance data contributed by 2,500 FIs with scored account data on 11.5 billion transactional records.¹

Explore our payment and deposit risk tools

Discover how our solutions can help you transform your customers' experiences and enhance your financial institution's payment and deposit risk strategy.

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Payment Chek®

Screens inbound and outbound payments using account status and transaction indicators.

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Capabilities

Review inbound payment activity
Validate outbound disbursements before release
Identify NSF and risk-related indicators
Support Nacha compliance workflows
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Verify Account℠

Helps validate external account ownership and status prior to disbursement.

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Capabilities

Verify external account ownership prior to disbursement
Confirm account status before funds are released
Support enrollment and validation processes
Reduce misdirection risk

The Certos℠ Advantage

The Certos℠  network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk through real-time intelligence—offering deeper insights than any institution can achieve alone.

Trust at scale

We unite financial institutions through decades of unmatched data, creating a trusted network that grows stronger with every connection.

Innovative solutions

With advanced analytics and detection technology informed by activity across the financial ecosystem, we provide innovative solutions to access more insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

Real-time intelligence

Real-time, connected intelligence distills complex data into clear, timely insights. As new signals enter the network and threats evolve, we continually advance and refine our solutions—strengthening protection and confidence.

How can we help?

Let’s talk about how we can help grow your financial institution.

One of our team members will be in touch within 2-3 business hours.

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