Early Warning

Early Warning creates value by operating shared financial infrastructure used by banks, credit unions, payment ecosystem partners and merchants. It embeds payment and risk products into existing banking and commerce workflows, allowing institutions to offer faster transfers, digital checkout and fraud controls without building these systems independently. Its network model becomes more useful as more institutions participate, more accounts are connected and more risk signals are shared across the ecosystem.

Early Warning Services, LLC is a US fintech infrastructure company that provides bank-connected payment, checkout and fraud prevention products. Its best-known products include Zelle for bank-embedded account-to-account payments, Paze for digital wallet and online checkout, and Certos for fraud prevention and identity verification. The company operates as shared infrastructure for financial institutions rather than as a direct-to-consumer app company, even though its products are used by consumers and small businesses through bank channels.