ACH Positive Pay for Business Fraud Protection
Unauthorized ACH debits can disrupt your cash flow and put your business at risk. ACH Positive Pay gives you greater control over your business checking account by helping prevent unauthorized electronic withdrawals before they post. With customizable controls and real-time monitoring, you can confidently manage ACH activity while reducing the risk of fraud.
How ACH Positive Pay Works
ACH Positive Pay uses rules you set to monitor incoming ACH debits. When a debit request is received, it’s compared against your approved list and filters. If it doesn’t meet your criteria, you can block or return it before funds leave your account.
This proactive approach helps reduce fraud risk before it impacts your bottom line.
Features of ACH Positive Pay
- Monitors ACH Debit Activity - Review and verify ACH debits before they post to your account.
- Real-Time Alerts and Reporting - Receive notifications when exceptions occur and access reporting tools to track activity.
- Flexible Account Management - Adjust rules at any time as your vendors, service providers, or payment needs change.
Benefits for Your Business
- Reduce Fraud Risk - Stop unauthorized ACH debits before funds leave your account.
- Protect Your Cash Flow - Maintain greater visibility and control over outgoing payments.
- Strengthen Internal Controls - Add an extra layer of protection alongside a dual approval process and account monitoring.
- Cost-Effective Protection - Gain robust fraud prevention at a competitive rate designed for small and mid-sized businesses.
It's a Positively Good Deal!
To learn more about ACH Positive Pay, or discuss whether it's right for your business, contact your business banking representative. Give us a call at (866) 236-8744 or visit any convenient location near you.
ACH Positive Pay vs. Standard ACH Monitoring
ACH monitoring tools can vary in how they help protect your business. When unauthorized ACH activity is detected earlier, the potential impact on your cash flow can be reduced. ACH Positive Pay adds an extra layer of protection by allowing you to review and control ACH debits before they post to your account, rather than identifying issues after the transaction occurs
ACH Positive Pay
ACH Positive Pay is proactive. It helps prevent unauthorized debits before money leaves your account.
- Reviews ACH debits before they post
- Matches incoming debit requests against your preapproved rules
- Allows you to block or return unauthorized debits
- Provides alerts and exception reporting
- Gives you customizable controls for vendors, dollar limits, and transaction frequency
Standard ACH Monitoring
Standard monitoring is reactive. Issues are typically discovered after transactions occur.
- Reviews transactions after they post to your account
- Requires you to identify and report unauthorized debits
- Funds may already be withdrawn before action is taken
- Relies heavily on manual account review
ACH Positive Pay Contact Form
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