Help business clients protect their accounts from check fraud by automatically matching checks presented for payment against an electronic list or file of those checks they have issued. This process detects discrepancies—such as mismatched check numbers or amounts stopping unauthorized or altered checks from clearing. It is a proactive way to reduce fraud and build trust with commercial clients.

Add an extra layer of security by confirming the payee name on the presented check matches the payee name submitted by the business. This enhanced verification helps prevent check tampering and ensures checks are only paid to the correct, intended recipients. It's particularly useful in fighting against common forms of check fraud, like check washing.

Give business clients control over their outgoing payments by allowing them to review all checks presented for payment. The financial institution provides a list of checks clearing the account, and the business client confirms details such as check number, amount, and payee. This puts the review process in the hands of the business, helping them spot and stop suspicious activity in real time.

Same Day Check Positive Pay offers a compelling solution by enabling item decisioning before posting to clients’ accounts. Same Day and next-day positive pay solutions can be offered concurrently to your business, commercial, and corporate clients – delivering a flexible, comprehensive, and differentiated fraud prevention strategy.

Enable tellers to instantly verify the legitimacy of on-us checks—those drawn on the financial institution’s own or business clients’ accounts—at the point of transaction. By confirming check details such as issue date, amount, status, and payee name during client interaction at the teller line, financial institutions can prevent fraudulent checks from being cashed in-branch, improving front-line fraud defense and business confidence.

Provide account reconciliation reports and processes for your business clients by automating the account reconciliation process. This reconciliation solution is also offered within our check positive pay product suite. Our solution can show partial or full reconciliation bank account activity, of all inbound receivables and outbound disbursements to the bank account.