Enhance Your Business Banking with Positive Pay

Efficiency and security go hand in hand for today’s business owners. Through Prevail Bank’s Business Resource Manager, enhanced online and mobile banking tools – such as Positive Pay – help businesses operate more efficiently while protecting against fraud.

What is Positive Pay for Businesses?

Positive Pay is a fraud prevention system, one of the most powerful tools you can use to protect your company against check fraud — specifically protecting against altered, forged, whitewashed, and counterfeit checks, along with ACH filtering and blocks, and account reconciliation.

ACH stands for ‘Automated Clearing House’; it’s commonly used for direct deposits.
Recent data shows that payment fraud remains a significant and growing risk for businesses. According to the 2025 AFP® Payments Fraud and Control Survey, 79% of organizations experienced attempted or actual payments fraud in 2024, with checks continuing to be the most frequently targeted payment method, impacting 63% of surveyed organizations. Business email compromise (BEC) also remains a leading fraud tactic, often resulting in fraudulent check, ACH, or wire activity. With fraud attempts affecting nearly four out of five organizations, proactive tools like Positive Pay play a critical role in helping businesses detect and prevent unauthorized payments before losses occur.

What are the Features & Benefits of Positive Pay:

Positive Pay protects against check and ACH fraud

When you issue checks, a registry of the date, amount, and check number from the account on which the check is drawn is created. Those records can be exported from your accounting program and imported to the Positive Pay system. As those checks are deposited, we compare the details of the check to the details you provided when it was issued.
If discrepancies are found, the check is flagged and placed in the Positive Pay exceptions list for you to review. You can then determine whether the check should be paid or rejected. This simple but powerful tool will help decrease the most common types of check fraud from occurring.

Positive Pay allows you to set custom ACH authorization rules

The ACH Positive Pay functionality allows you to set up rules to both preauthorize specific ACH transactions and to monitor ACH transactions that match specific guidelines. Rules can be established for dollar amount limits, approved originators, and/or debit-only or credit-only controls, to name a few. The system will then flag ACH transactions that fall outside these rules.
For many companies, ACH transactions may involve larger sums than checks, are processed faster, and are becoming a more popular source of payment. So, this fraud protection system on your ACH transfers can make Positive Pay even more valuable to your bottom line.

Additional Positive Pay features

Easily transmit your check register to the bank
Reduces disbursement risk

Learn more in our Business Digital Banking Positive Pay Video, on our Business Resource Manager page, or talk to one of our Business Development / Treasury Management professionals: