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.

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Review disbursements before release

Apply account and payment indicators to identify transactions that may require additional review.

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Support compliance workflows

Use structured indicators to support consistent, defensible payment decisioning.

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Reduce manual review effort

Standardize payment review using real-time signals to support operational efficiency.

The Certos℠ network in action

The Certos℠ network contains a broad set of performance data based on 11.5 billion transactional records contributed by 2,500 Financial Institutions.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

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Review inbound payment activity
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Validate outbound disbursements before release
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Identify NSF and risk-related indicators
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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

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

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Trust at scale

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

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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.

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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.

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Talk to an expert

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

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