Positive Pay
Added security to prevent fraudulent transactions
A Money Management Tool Designed to Prevent Fraud
Fraud can happen when you least expect it, and even one unauthorized payment can disrupt your business. Positive Pay is a powerful money management tool designed to help businesses prevent fraud before it causes damage. It gives you greater control over outgoing payments by adding an extra layer of review to checks and ACH transactions. Instead of reacting after fraud occurs, Positive Pay helps you catch suspicious activity early.
With Positive Pay, you decide what payments are allowed. Transactions that do not match your approved rules or records are flagged for review, giving you the chance to approve or return them before funds leave your account. This simple review process helps protect cash flow, reduce risk, and give you confidence in every payment. Whether your business sends frequent ACH payments, issues checks, or both, Positive Pay works quietly in the background to help keep your finances secure and accurate.
Talk to a Business Expert
Contact our team today to help get your business started with Positive Pay!
(801) 223-7665 | [email protected]
Available M–F 9am–5:30pm
Fraud Detection Control
Quickly identify and stop unauthorized check and ACH payments before funds leave your account.
Custom Approval Rules
Create flexible payment rules that match how your business sends and receives payments.
Manual Payment Approval
Review, approve, or return flagged transactions easily so you stay in control of every payment.
How Positive Pay Works for Your Business
Positive Pay offers two protection options that work together or on their own: ACH Positive Pay and Check Positive Pay. ACH Positive Pay allows you to create rules for electronic payments based on details like the company name, transaction amount, or payment type. If a payment falls outside your rules, it is flagged for review. You can approve the transaction, return it, or update your rules to prevent future alerts.
Check Positive Pay focuses on paper checks. You provide a list of authorized checks, and each check presented for payment is compared to that list. Details like check number, amount, date, and payee are reviewed. If something does not match, the check is flagged so you can decide what to do next. This process helps stop altered, duplicate, or counterfeit checks from clearing your account. Together, these tools give you visibility, control, and peace of mind.
Frequently Asked Questions
Is Positive Pay available for all businesses?
Yes. All businesses are at potential risk of fraud. Positive Pay can help combat against many types of counterfeit schemes which can save your business time and money.
What happens when a payment is flagged?
You review the item and choose to approve or return it.
Where can I sign up for Positive Pay?
Signing up is easy. Click the “Talk to an Expert” link above to get started or call a business banking specialist at 801-223-7665
Can rules be updated over time?
Yes. Approved exceptions can be saved as new rules.
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