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Connecting people. Enabling trust. Moving life forward.

Early Warning® is the digital backbone that connects, protects, and advances the everyday economy. We power prosperity by helping people and institutions navigate everyday financial life with ease and confidence, opening opportunity for the moments that matter most.
 

Our brands at work


When it counts. ZelleSM


Checkout upgraded. Built for what's next.


We bring together decades of verified data contributions and advanced analytics to help prevent fraud and strengthen financial risk decisions.

Meet CertosSM

The CertosSM brand is the new name for the Early Warning identity and payment risk solutions. It connects our established capabilities that organizations rely on today under a single, unified brand.

Built on decades of network-shared intelligence, we offer a comprehensive portfolio of identity, account, and payment risk solutions, delivering deeper insights than any institution can achieve alone.

WHAT'S NEW AT EARLY WARNING?

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Find up-to-date information on the services and products that are part of Early Warning and the building blocks of modern financial technology.

Zelle® shatters records with $1 trillion sent in a single year

In 2024 the Zelle network reached 151 million enrolled accounts and helped American consumers and small businesses send over $1 trillion—the most money ever sent by a person-to-person payments service in a single year.

Zelle® is a fast, safe and easy way for consumers to send money to those they know and trust

With just an email address or U.S. mobile phone number your personal customers, small business and corporate customers can send or receive money typically within minutes1 even if they bank somewhere different than you do.

Meet PazeSM

Paze checkout solution enables consumers to make transactions on participating merchant websites. Paze checkout offers added security because actual card numbers are not shared with merchants. Consumers gain access to Paze checkout through their existing relationship with a bank or credit union. Today, more than 165 million credit and debit cards are eligible to use the Paze checkout solution.

Shape what's next in financial trust

Building trust is at the heart of everything we do—from the products we build to the partnerships we forge. From fostering transparency and inclusion to championing innovation and accountability, these principles guide every decision we make. They're the foundation of our culture and the reason we show up with purpose every day.