Positive Pay by AFS
Secure more business accounts with Positive Pay — big bank security, without big bank pricing.
Don’t Wait on Positive Pay
TrueACH helps you validate account status and ownership in real time, reducing fraud, ACH returns, and downstream cleanup for your team.
Demand for Positive Pay is Up
While you’re weighing the pros and cons, your competitors are exploring Positive Pay solutions.
Fraud is Getting Worse
Every day fraud finds new paths to break into business accounts. Positive Pay is the best way to protect high value accounts.
Non-Interest Income is Down
Non-interest income is at risk as fintechs, big techs, and neobanks recalibrate account holders’ tolerance for bank fees.
Balance, Security and Efficiency
Check Positive Pay
Ensures secure transactions by matching issued checks against a predetermined list, including details such as check number, account number, and dollar amount.
ACH Positive Pay
Allows account holders to set specific rules for transactions, offering customized security.
Reverse Positive Pay
Gives control to account holders to approve or deny transactions without an issue file.
Payee Positive Pay
Combat check alteration and check washing with AI-powered payee validation.
Next-Gen Positive Pay
Dive Right In
Positive Pay by AFS is made for usability. Our user-friendly interface allows both FIs and business clients to be up and running in minutes.
Tailor Your Experience
Built for your brand, our platform is FI and Business Client ready. Customize your dashboard settings down to logos, color schemes, and alerts for consistency across devices.
Optimize Operations
Configured for choice, you can set our platform up to match how your FI work. Set your own transaction guidelines, choose from multiple data input options, and manage role-based permissions.
Where Positive Pay Works
From exception alerts to payee mismatch resolution, here’s how our check and ACH Positive Pay workflows protect your business account holders and streamline decisions.
Payee Mismatch Alert
Route mismatched payees to the FI first, correct errors before clients ever see them.
Reverse Positive Pay
Let clients decision from paid checks without uploading issue files. Flexible and fast.
Mobile Alerts
Send branded exception alerts via email or mobile to speed resolution and build trust.
High-Dollar Reviews
Set dollar-based approval rules so operators can’t authorize large-dollar returns alone.
Exception Analytics
See exception trends by type, decision, dollar value, or SEC code from a single dashboard.
Fraud Insights
Stay ahead of fraud trends and protect your high value business account holders. View our insights.
Positive Pay FAQs
Answers to common questions about AFS Positive Pay setup, features, and fraud-fighting power.
How does Positive Pay detect check fraud?
It matches issued check files against presented items and flags any mismatches for review.
Can Business Clients manage their own exceptions?
Yes. Clients can review and decision exceptions directly through the branded portal.
Does this work for ACH transactions too?
Yes. Positive Pay supports rule-based ACH exception handling with automated alerts.
Is Positive Pay easy to integrate?
It connects with core banking systems, and AFS offers full implementation support.
