Brands

Our Brands

Connecting people and financial institutions for over 35 years

Our brands reflect the impact we make across everyday financial life. From opening an account, to making purchases, to sending and receiving money in everyday moments, they support how people and financial institutions connect. Together, our brands help shape how money moves, how it’s protected, and how it’s experienced.

 

 

Payment & Identity Risk Solutions

Designed to inform, so our customers stay in control.

CertosSM is built on decades of network-shared intelligence that helps prevent fraud and strengthen financial risk decisions by delivering deeper insights than any organization could achieve alone.

  • Offering a comprehensive portfolio of identity, account, and payments solutions that help our customers:
    • Make informed decisions
    • Distinguish real people from synthetic and stolen identities,
    • Detect and prevent payment and deposit fraud
    • Reduce unnecessary friction
    • And expand access to financial services
  • Powered by network-shared intelligence, our solutions have:
    • Screened $11.4T in payment and deposit transactions across participating organizations.1 
    • Prevented $3.7B in potential fraud with Certos payment and identity risk solutions1

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 Unpublished.

 

Online Checkout Solution

Checkout upgraded. Built for what's next.

Paze® is an online checkout solution offered by banks and credit unions that combines eligible credit and debit cards into a single digital wallet, eliminating manual card entry. Today, more than 165 million consumer cards are eligible to use Paze.

  • Paze offers flexibility and choice for consumers and is easy for merchants to integrate within their existing checkout process.
  • 165+ million debit and credit cards from the nation’s largest banks, pre-loaded and ready to go.
  • Reach millions of high-intent customers directly through their trusted banks and credit unions.
  • Tokenized transactions and fraud liability shift program for eligible merchants2

2. Equal to or more than $250M US based on e-commerce revenue, and MCC compliant (listed in the Rules). Eligible merchants must maintain a rolling fraud rate average of 10 basis points or below based on approved requirements. FLS program enhancements coming Q2 2026.

 

Digital Payment Network

When it Counts. ZelleSM

Modernize your offerings with a best-in-class digital payment network that enables people and businesses to send and receive money in moments that matter, directly through their online and mobile banking experience.

  • Zelle® Person-to-Person Payments (P2P) A fast and convenient way for consumers to send money to friends, family, and others they trust, straight from their mobile banking app. Money is typically available within minutes3, and account information and activity stay private.
  • Zelle® Small Business Eligible small businesses can send and receive money on-the-go. Whether requesting and receiving money from customers or paying vendors, suppliers and employees, Zelle® can help reduce the hassle of running a business.
  • Zelle® Disbursements Corporate and government entities can disburse funds directly to a recipient’s bank account within minutes.3 Zelle® is reshaping how businesses think of payroll, refunds, claims, and more.

3. Eligible checking or savings account required to use Zelle.® Transactions between enrolled users typically occur in minutes.