Whether you’re growing your business account base or optimizing internal workflows, get peace of mind with Check Positive Pay & ACH Debits that simplify compliance and enhance security. Deliver essential fraud protection and operational efficiency for business clients with bundled services—all with your preferred digital banking partner.
Simplify regulatory adherence and protect against fraud risks.
Foundational security
Build a reliable fraud prevention framework as a stepping stone to more advanced services.
Improved efficiency
Reduce manual errors and save time by automating workflows for managing checks and ACH payments.
Check Positive Pay
Stop check fraud in its tracks
Streamline your operations and reduce fraud risk by allowing businesses to easily verify presented checks against their check issuance files to prevent unauthorized payments.
Payee Positive Pay
Save time and reduce errors
Enable your business clients to focus on higher-value tasks while growing confidently by ensuring checks are paid to intended recipients with payee-level validation.
Reverse Positive Pay
Review and approve checks with ease
Add a layer of security for your business accounts with low check volume by allowing checks to be verified after they’re presented—automating returns while reducing the risk of late returns that may not be honored.
ACH Positive Pay (Debits)
Enhance and automate security
Reduce operational burdens and boost security and compliance at the same time—match incoming ACH debits against a predefined approved and block list making unknown, unauthorized, or new vendors easily recognizable.
Show your business clients the clear difference Positive Pay makes
This side-by-side workflow highlights how automating fraud detection and Written Statement of Unauthorized Debit (WSUD) handling not only protects business accounts, but also reduces your operational workload.
With positive pay
Proactive protection for you and your clients
Commercial Transaction Received
Check or ACH debit appears but is flagged for review — not yet final.
Day 0
Client Decision & Automated Support
Client receives an alert to pay or return the exception items. If returned, a WSUD can be auto-generated, saving time and reducing manual work.
Day 1
Approved & Rejected Transactions Settle
Future ACH items are blocked or allowed, minimizing future fraud and exception handling.
Day 2
Without positive pay
Delays, risk, and more manual work
Day 0
Commercial Transaction Received
Check or ACH debit posts to the account with no review step.
Day 1
Client Must Manually Monitor
Client checks activity via online or mobile banking. Suspicious items require them to contact you. WSUDs must be created manually by your team.
Day 2
Time-Sensitive Return Window Closes
If fraud isn't caught quickly, it may be too late to return the transaction — increasing risk and loss potential.
"The user friendliness of the new product is really, really nice. It's exactly what we were looking for. It allows our customers to really get through the exception process and the whole situation a lot easier."
Todd Lindsey
Treasury Services Manager, Heartland Bank
Future proof your financial operations
Schedule a demo to see how we can help your institution scale securely and efficiently.
J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit jdpower.com/awards.
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