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Early Warning Services
For almost 3 decades, our identity, authentication and payment solutions have empowered financial institutions to make decisions, make payments & prevent...
Early Warning Services
For almost 3 decades, our identity, authentication and payment solutions have empowered financial institutions to make decisions, make payments & prevent fraud.
General information
Firm type
other
Year founded
1993
Location
Region
North America
Country
United States
City
Scottsdale
Corporate office
Scottsdale, AZ, United States
Additional offices
Chicago · Palo Alto · New York · Reston · Toronto · Menlo Park · Edmonton
Sector focus
Frequently asked questions
Who owns Early Warning Services?
Early Warning Services is owned by a consortium of major US banks, including Bank of America, JPMorgan Chase, and Wells Fargo. Ownership is not individually disclosed by percent, but the company operates as an LLC controlled by these bank members (Altss estimate).
Does Early Warning Services invest in external companies?
No. Early Warming operates as a payments and risk infrastructure company, not an investment vehicle. It does not publicly participate in fund commitments, direct deals, or venture capital allocations.
How does Early Warning generate revenue?
The firm generates revenue primarily through transaction fees on the Zelle network and licensing fees for its Certos identity and risk solutions. Pricing is set per transaction or per account screened for financial institutions.
What is the distinction between Zelle and Paze?
Zelle is a peer-to-peer payments network for sending money between bank accounts using an email or phone number. Paze is an online checkout solution that tokenizes card numbers for merchant payments. Both are owned and operated by Early Warning Services.
Does Early Warning Services compete with PayPal or Venmo?
Zelle competes directly with PayPal and Venmo in person-to-person payments, but with a key difference: Zelle settles directly between bank accounts without a third-party wallet. Paze competes with online checkout solutions like Visa Click to Pay and PayPal checkout.
Is Early Warning Services regulated as a bank?
No. Early Warning Services is not a bank. It is a payments and risk solutions company owned by banks. Its operations are subject to financial regulations including those overseen by the CFPB for consumer payments.
What fraud prevention capabilities does Early Warning offer?
Through its Certos brand, Early Warning provides real-time account screening, payment transaction monitoring, and identity verification using shared data from its bank consortium. In 2024, it prevented approximately $3.7 billion in potential fraud (per the firm, 2024).
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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