Fighting check fraud requires vigilance, control and the right tools. 


Checks continue to be the subject of more fraud than any other payment method. Using Positive Pay, our web-based fraud control service, you can make faster and more well informed decisions about suspicious check activity, with early-morning information reporting of exception items and user-defined controls.


Chambers Positive Pay can enable you to:

- Reduce your potential exposure to check fraud

- Quickly identify suspicious items

- Have ready access to check images


Positive Pay Features


- Notifications – receive optional notifications of exceptions requiring your attention via email, text or mobile push notifications


- Image Access – view images of the front and back of each exception item, which allows you to verify payee names, check stock and endorsements


- Decision-maker Controls – authorize access to Positive Pay exception reports and choose pay and return decisions


How Positive Pay works


Your business uploads a file containing issued check data into the Positive Pay system. Checks presented for payment against your account are compared to those issued by the business. Any check not on the issued check list (and potentially fraudulent) is sent to you as an exception for examination. Your business logs in to the Positive Pay system, reviews the exception item and makes a “pay” or “return” decision for each item. 

You also have the option to set up ACH authorization rules or filter blocks for complete fraud prevention. Depending on your needs, you can choose to block specific ACH transactions or authorize only specific vendors to access your account.

The exception processing deadline is 9:00 a.m. Central Standard Time.

To speak to someone about how Positive Pay could help your business, please submit the form below. One of our dedicated Business Services team members will be in touch soon.

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