Active Positive Pay

A simple yet powerful barrier to fraud

Positive Pay enables your customers to electronically send details of checks they’ve issued to the bank before presentation by payees.

When these checks reach the bank for payment, either physically or as part of an image cash letter, their details are validated using Positive Pay.

Positive Pay then provides immediate warning of suspect checks, which reduces the risk of fraudulent checks being processed.

With two innovative solutions to choose from – Forward Positive Pay and the simpler Reverse Positive Pay – you and your customers are in complete control when it comes to detecting and preventing fraud.

Key features

• Detects various types of fraud, including items presented multiple times, stolen checks and checks with altered amounts or payee details.


• Reports are provided to allow you to notify your customers of any discrepancies and keep track of presented checks.


• Provides immediate warning of suspect checks, which reduces the risk of fraudulent checks being processed and means there’s no need to wait until your customer receives their statement.


• With Forward Positive Pay, your customers can log their issued check details via the web and when the checks are presented for payment, they’re verified against the issued items.


• Reverse Positive Pay simply sends an alert to your customer when any items are processed for their positive pay account, which allows them to make a pay or no pay decision without having to provide details of issued checks.

Business benefits

• Significantly reduces fraud and reduces your losses due to fraud .


• Protects your customers by putting them in control of authorizing payments.


• Reduces the cost and effort of manual verification processes.


• Gives your bank the opportunity to make extra income .


• Seamlessly integrates with other Aperta and third-party payment processing applications.