Protect Business Payments with Positive Pay

What Is Positive Pay?

Positive Pay is a TM solution that compares checks presented for payment against the check information your business provides. If a presented check doesn't match your issued check file, it's flagged as an exception for your review before payment is processed.

This added verification helps businesses reduce fraud risk while maintaining greater oversight of check payments. Many businesses complement Positive Pay with additional fraud controls such as Reverse Positive Pay and ACH fraud controls, including ACH Block and ACH Filter, or "whitelisting," to help protect multiple payment types.

How Positive Pay Works

Positive Pay fits into your existing check payment process.

• Upload your issued check file.
• Checks presented for payment are matched against your records.
• Any exceptions are identified for your review.
• You decide whether the check should be paid or returned.

Benefits of Positive Pay

Positive Pay helps your business:

• Detect unauthorized, altered, fraudulent, and counterfeit checks
• Review exception items before payment is processed
• Strengthen internal payment controls
• Reduce losses associated with check fraud
• Improve oversight of check payments

Is Positive Pay Right for Your Business?

Positive Pay is designed for businesses that rely on checks as part of their payment process. It can be especially valuable for organizations that:

• Issue checks regularly
• Process higher payment volumes
• Maintain multiple business accounts
• Want stronger fraud prevention controls

If you're paying vendors, suppliers, or employees, Positive Pay can help add another layer of verification before funds leave your account.

Depending on how your business makes payments, additional fraud controls, such as Reverse Positive Pay and ACH fraud controls, like ACH Block and ACH Filter, "whitelisting," may also help strengthen your payment security.