ACH POSITIVE PAY
ACH Positive Pay
ACH Positive Pay helps protect your business from unauthorized ACH transactions by giving you the tools to monitor activity, make timely decisions, and stay in control. Through our online banking platform or our mobile app, you can easily review and decide which transactions to approve or return, set up rules to automate decisions, and receive alerts to stay on top of exceptions. It’s a smart, easy way to reduce fraud risk and manage your cash flow with confidence.
ACH Positive Pay Decision Timing – What You Need to Know
To ensure timely processing and fraud prevention, all ACH Positive Pay decisions must be made Monday through Friday between 8:00 AM and 3:00 PM ET. Decisions submitted during this window are processed the same day. This helps ensure your business maintains control over ACH transactions and minimizes exposure to unauthorized activity. Transactions not acted upon within this timeframe will be processed based on your default decision (pay or return).
Benefits:
Save time, money, and stress - ACH Positive Pay helps you avoid the hassle of dealing with unauthorized or fraudulent transactions by giving you tools to prevent them before they impact your business.
Control ACH debit activity with ease - Create, edit, or remove rules by originator to customize how your business handles incoming transactions—giving you flexibility and protection in just a few clicks.
Streamline your exception handling – Make decisions on all exception items at one with our integrated solution giving you a one-stop shop for managing ACH and Check activity.
Receive alerts to stay ahead of decisions - Get notified when exception items need review and receive reminders before the decision window closes, helping you avoid missed actions and maintain control over your ACH activity.
First Merchants offers a broad product suite and experienced professionals to deliver superior service, along with customized solutions to effectively manage cash flow for any size and type of organization. For more information, call our Treasury Solutions team at 1.866.833.0050. We look forward to working with you.
Contact First Merchants Treasury Management to discuss business fraud prevention.
*Returns will be processed as Corporate Customer Advises Not Authorized. If return is dishonored, you may be required to provide evidence that transaction(s) are unauthorized.
