Secure Your Business Transactions with Positive Pay

Protect Your Business from Fraud with Commercial Bank's Positive Pay Services

In an era where financial fraud is a growing threat, businesses need strong defenses to protect their assets. Commercial Bank offers comprehensive Positive Pay services that help businesses detect unauthorized transactions before they cause financial harm. Designed for proactive fraud prevention, Positive Pay provides a daily review process that keeps your check and ACH transactions secure and under your control.

What Is Positive Pay?

Positive Pay is an automated fraud detection tool that matches each customer-authorized check or ACH transaction against items presented for payment. The system identifies discrepancies such as altered amounts or mismatched payees and flags them as exceptions. By reviewing and authorizing these flagged transactions, businesses can stop fraud before it impacts their accounts. Commercial Bank’s Positive Pay platform empowers clients to reduce risk and maintain confidence in their financial operations.

How Check Positive Pay Works

Check Positive Pay allows your business to monitor every check that is issued and processed. As your company issues checks, you electronically submit check details including the check number, dollar amount, issue date, and payee information to Commercial Bank. When a check is presented for payment, the bank’s system compares the provided details to its own records. If everything matches, the check clears automatically. If any data does not align, the transaction is flagged as an exception. You are then notified so that you can approve or decline the payment. This daily verification process greatly reduces the risk of check fraud and strengthens your business's financial security.

How ACH Positive Pay Secures Your Electronic Transactions

ACH Positive Pay offers a layer of protection against unauthorized electronic transactions by letting your business set specific transaction criteria. You can define which ACH debits are acceptable by setting rules based on origin, amount, and frequency. When ACH items are presented for payment, the system checks them against your predefined parameters. Transactions that meet your criteria are processed normally, while any that fall outside the rules are flagged for manual review. This gives you more control over which transactions post to your account and helps prevent electronic fraud before it happens.

Why Choose Commercial Bank for Positive Pay?

Commercial Bank has been serving communities for over 130 years with a strong focus on security, simplicity, and customer support. Their Positive Pay services are designed with businesses in mind, providing the tools and systems needed to monitor transactions efficiently and effectively. By leveraging both Check Positive Pay and ACH Positive Pay, clients gain peace of mind knowing their funds are protected. With the support of an experienced Treasury team, Commercial Bank ensures that your setup and ongoing use of Positive Pay is smooth, responsive, and tailored to your needs.

Get Started with Positive Pay Today

Now is the time to protect your business from costly fraud. Commercial Bank’s Positive Pay services make it easier to identify suspicious activity and prevent unauthorized payments before they affect your bottom line. If you’re ready to take control of your transaction security, reach out to the Treasury Support team at 888.570.9262. Our experts are here to help you implement a Positive Pay solution that fits your company’s workflow and security requirements.