Positive Pay

Check fraud is the leading type of payment fraud today. Businesses and organizations are the primary targets of check fraud professionals. It’s a growing problem that costs billions of dollars each year. Positive Pay provides the peace of mind that only authentic, authorized checks will be paid from your accounts.

The Solution:

Before you issue checks, you submit an “Issue File” through our online service which includes the issue date, check number, and dollar amount for each check you have issued.  Issue Files received by 6:00 pm EST/5:00 pm CST will be processed the same business day.
As checks are presented to the bank for payment, they are electronically matched with your Issue File. Only items that exactly match the checks in the Issue File will be paid from your account. Presented checks that do not match are considered “Suspects”.
Each day, suspects must be decisioned by 12:00 pm EST/11:00 am CST. You simply login to our online system to view Suspect checks and then instruct First Merchants to pay or return each item.  


  • Positive Pay helps protect your account from counterfeit duplicate, and altered checks.
  • Submit check issue information 24 hours a day, 7 days a week via our online system.
  • Upload a file of issued check or input items individually.
  • Can be easily integrated with account reconciliation programs.
  • Saves you the time, money, and worry involved in dealing with check fraud.


Reverse Positive Pay – With Reverse Positive Pay, every check presented is considered a Suspect. Through the online system, you decide to pay or return each item.

System Requirements:

For best results, please use Microsoft Internet Explorer 6.0 (or higher) with a screen resolution of 1024 x 768 or higher. 

Additional limitations and requirements may apply. For more information about Positive Pay, call our Business Solutions team at 1.866.833.0050.


Already a client? Sign in to your Positive Pay account here.

Service provided by SAND eCRM ASD Corporation.