Defend Your Business Against Check Fraud With Positive Pay

Defend Your Business Against Payment Fraud With Positive Pay  

Identify suspicious checks and ACH fraud before it happens with an automated payment matching system. 

Payment fraud continues to pose a serious risk to businesses. According to the Association for Financial Professionals, 76 percent of organizations experienced attempted or actual payment fraud in 2025. When a fraudulent payment occurs, recovering the funds is not always quick or easy. Positive Pay helps identify suspicious transactions earlier in the payment process. 

How Check Positive Pay Works  

1. When you issue a check, a file containing key details such as the check number, amount, issue date, and payee is uploaded from your accounting system to Positive Pay.  

2. The system then compares each check presented for payment against the information you provided.  

3. If the details match, the check is processed on time.  

4. If a discrepancy is detected, the item is flagged as an exception and held for your review before payment is made. 

How ACH Positive Pay Works  

1. For ACH Positive Pay, you can establish authorization rules that define which companies can debit or credit your account, along with approved transaction types and amounts.  

2. The same process is initiated and compares received ACH transactions to the rules you established.  

   1. Transactions identified outside of your approved parameters are flagged for review.  

Why You Should Use Positive Pay  

Positive Pay adds an extra layer of security to help detect unauthorized transactions, maintain control over payments, and prevent financial losses from fraudulent activity.