Modernize Positive Pay with real-time detection

Positive Pay Plus is an enhanced check verification and fraud detection solution that modernizes traditional Positive Pay. It validates key check attributes-such as payee, amount, serial number, and issue date-against business customer issue files to confirm whether a check was authorized.

By identifying discrepancies early in the transaction lifecycle, Positive Pay Plus helps financial institutions detect suspicious items sooner. The solution also extends protection to the Bank of First Deposit (BOFD) by enabling issuer-file validation at the time of deposit, allowing institutions to intervene earlier in the payment process and reduce fraud exposure.

For the Bank of First Deposit (BOFD), Positive Pay Plus provides an additional verification checkpoint by validating deposited checks against the issuer's issue files. If mismatches or potential account compromises are detected, the institution can intervene earlier in the deposit process before funds are released.

This early validation helps reduce fraud exposure and prevents questionable items from moving further into the clearing system.

Yes. Positive Pay Plus replaces traditional Payee Positive Pay as well as expanding issuer validation capabilities and incorporating additional fraud controls.

Like Payee Positive Pay, Positive Pay Plus verifies key check attributes-such as check number, amount, and payee-against the business customer's issue file to confirm authorized issuance. Our solution also extends traditional positive pay protection to the Bank of First Deposit (BOFD) by enabling issuer-file validation at the time of deposit.

This allows financial institutions to identify mismatches or signs of compromised checks earlier in the deposit process, helping stop suspicious items before funds are released and reducing downstream fraud risk.

No. Positive Pay Plus and Check Fraud Defender serve different roles and are designed to work together as part of a layered check fraud defense strategy.

Check Fraud Defender provides Al-based fraud detection for checks of any type by alerting for altered, counterfeit, and duplicate item risk, while Positive Pay Plus confirms authorized issuance.

Positive Pay Plus and Check Fraud Defender (CFD) operate together as part of a layered check fraud defense strategy.

• Check Fraud Defender uses Al and computer vision to analyze more than 24 check attributes to detect altered, counterfeit, or duplicate checks at the point of deposit.
• Positive Pay Plus confirms whether a check was authorized by matching it to the issuer's issue file and extends protection to the Bank of First Deposit (BOFD) by enabling issuer-file validation at the time of deposit.

Together, they combine comprehensive check fraud detection with issuer validation controls, improving detection coverage while supporting faster and more confident deposit decisions.

Positive Pay Plus supports all major deposit channels, including:

• Mobile deposit
• Branch deposits
• ATM deposits
• Remote deposit capture (RDC)

Checks can be validated against issuer files in real time or through batch processing depending on the institution's operational model.

Positive Pay Plus routes discrepancies into structured exception workflows that provide teams with clear visibility into mismatches. This helps institutions manage exceptions more efficiently and maintain consistent decisioning.

When used in conjunction with Check Fraud Defender and MiControl, institutions often see improved accuracy in review queues and reduced manual inspection.

Yes. Positive Pay Plus depends on issuer-provided issue files to verify authorized checks. Its effectiveness increases when issuer files are accurate and updated regularly.

However, when paired with Check Fraud Defender, institutions can still detect suspicious items even when issuer files are not available.