ACH Positive Pay for Business Account Protection
Unexpected ACH debits can disrupt cash flow and create added risk for your business. ACH Positive Pay helps protect your business checking account by allowing you to review and control ACH debit activity before payments are processed. With customizable filters and monitoring tools, your business can better manage ACH activity while reducing the risk of unauthorized transactions.
How ACH Positive Pay Works
ACH Positive Pay allows your business to set authorization rules that monitor incoming debit requests to your account. Each request is checked against the companies and payment filters you approve. If a debit does not meet your criteria, you can block or return it before the payment is completed.
This added layer of review helps identify unauthorized activity early and reduce fraud risk before it impacts your cash flow.
ACH Positive Pay Features
- ACH Debit Monitoring - Review incoming ACH debits and verify them before they are processed against your account.
- Alerts and Reporting Tools - Receive notifications when exceptions occur and use reporting tools to review ACH activity and account details.
- Flexible Account Controls - Update authorization rules as your vendors, service providers, or payment needs change.
Benefits for Your Business
- Lower Fraud Risk - Identify and stop unauthorized ACH debit requests before they are processed against your account
- Protect Cash Flow - Maintain better visibility and control over ACH activity impacting your business cash flow.
- Strengthen Account Controls - Add an additional layer of oversight alongside dual approval processes and ongoing account monitoring.
- Cost-Effective Protection - Access reliable fraud prevention tools designed to support the needs of small and mid-sized businesses
Get Started with ACH Positive Pay
To learn more about ACH Positive Pay or determine if it’s the right fit for your business, contact your Jefferson Bank business banking representative. Give us a call at (866) 236-8744 or visit a location near you.
ACH Positive Pay vs. Standard ACH Monitoring
Not all ACH protection works the same way. The sooner unauthorized ACH activity is identified, the lower the potential impact on your cash flow. ACH Positive Pay adds an extra layer of protection by giving you control upfront, not just visibility after the fact.
ACH Positive Pay
ACH Positive Pay works proactively. It helps reduce the risk of unauthorized debits before funds leave your account.
- Reviews ACH debits before they reach your account.
- Compares debit requests against your authorization rules.
- Lets you approve, block, or return unauthorized debits.
- Provides alerts and exception notifications.
- Offers customizable controls for vendors, dollar limits, and transaction frequency.
Standard ACH Monitoring
Standard monitoring is reactive. Problems are usually identified after the transaction has already occurred.
- Transactions are reviewed only after they post to your account
- You must identify and report unauthorized debits.
- Funds may already be withdrawn when the issue is discovered
- Monitoring relies largely on manual review of account activity
Business Positive Pay Contact Form
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