Products

Products

Our products work together - for you

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Your time and resources are valuable – connecting to Early Warning® will save you both.

Through unmatched network intelligence, we bring trust to the financial moments that matter. The new Early Warning® platform provides the next level of service to support this mission by allowing your financial institution to fully leverage our capability bundles using modern technology and updated scoring models more quickly than ever before.

New Account Opening Capability Bundles

 

Verify Identity

Formerly known as Real-Time Identity Chek®, Verify Identity lets you determine, in real time, the likelihood that an applicant is who they claim to be so you can expand your customer base with confidence.

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Predict New Account Risk

Formerly known as Identity Chek® New Account Scores, Predict New Account Risk provides deep predictive intelligence that moves beyond binary “yes” or “no” decisions to make more nuanced risk assessments.

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Expand Credit Insights

Formerly known as REACh, Expand Credit Insights allows you to expand your credit- decisioning criteria by using contributed deposit account data to provide additional credit products to consumers with little or no credit history.

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Payments & Deposits Capability Bundles

 

Deposit Chek®

Deposit Chek® facilitates your institution’s ability to improve funds availability decisioning, making funds readily available while reducing the risk of loss due to fraud and bad actors.

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Payment Chek®

Payment Chek® allows users to accurately identify account status and risk scores in real-time with a single inquiry.

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Verify Account

Formerly known as AOA/Asset Verification, Verify Account helps you migrate transaction fraud by providing real-time validation of user-provided accounts. Use it to quickly and confidently determine whether an account is open and valid - while ensuring the user is truly who they claim to be. 

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Additional Capability Bundles

 

Identity Chek® Service Alerts

Identity Chek® Service Alerts allows you to differentiate your identity theft protection service and breach solutions by delivering a greater variety of continuous alerts to your subscribers.

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Asset Search and VerificationSM

Asset Search and VerificationSM helps reduce improper benefits payments — while enhancing the claims process for vital government programs . It lets agencies submit a single asset inquiry and receive a detailed, accurate and secure response in real- time.

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Transform your customer experiences

Online checkout from banks and credit unions

PazeSM

PazeSM is a reimagined online checkout solution that banks and credit unions offer to consumers and merchants, combining all eligible debit and credit cards into a single wallet and eliminating manual card entry. At general availability, more than 150 million debit and credit cards will be available to consumers for making online purchases.

PazeSM offers flexibility and choice in how customers interact with merchants at checkout through an easy integration into merchants’ existing checkout process.

Zelle Network®

Modernize your offerings with a best-in-class digital payment network that helps consumers utilize their bank for fast and easy payments.

ZELLE®PERSON-TO-PERSON PAYMENTS (P2P)

Enable your customers to send and receive money with trusted friends, family and others within minutes.1

 

1. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

ZELLE® SMALL BUSINESS

For landlords, dog sitters, plumbers and more, Zelle® enables small businesses to send and receive money directly from their mobile banking app.2

 

2. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience

RISK INSIGHTS FOR ZELLE®

Risk insights for Zelle® helps protect customers and FIs from losses associated with fraud and scams with an easy-to-implement user experience to enable transaction confirmation.

DISBURSEMENTS WITH ZELLE®

Send corporate or government payments to almost anyone in the United States using only the recipient's email or U.S. mobile number.

Let's talk about how we can grow your financial institution

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