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Positive Pay

Positive Pay Fraud Monitoring

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Your best defense against check and ACH fraud

Positive Pay is a transaction monitoring service that protects your business against fraud. By monitoring your transactions and only allowing those that you've approved, Positive Pay reduces the risk of fraud in a streamlined, user-friendly experience.

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  • Automatically monitors check & ACH transactions
  • Email alerts notify you of unauthorized transactions
  • View check images, ACH details, and reconciliation reports
  • Real-time check verification of all checks presented in person at the bank to be cashed
  • Online return processing.
  • Read the How it Works section below for an in-depth explanation



  • Each check has specific details -- the date, amount, and the account from which the check is drawn.
  • When you issue a check, you can upload those details into Positive Pay. Now, Positive Pay knows which checks you've issued.
  • As checks clear your account, Positive Pay compares the details of each check to the list of checks it knows you've issued.
  • If check details do not match, you are notified via email that you have an item to review.
  • You can log in to Positive Pay and determine whether the check should be paid or returned.

ACH (Electronic Transfers)

  • Transaction filters only allow authorized ACH transactions to clear your account.
  • You are notified via email of unauthorized transactions.
  • You can log in to Positive Pay to determine whether that transaction should be paid or returned.

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