The Modern
Positive Pay
Academy.
A free, structured curriculum for the people who run Positive Pay at community FIs. Built on real customer interviews, peer benchmarks, and the playbook one community FI used to put 100+ commercial clients on PP.
Already know where to begin? Jump to Track 1: Foundations →
Positive Pay is the most under-leveraged product in community banking.
Most community FIs have a Positive Pay program. Most run at 5% adoption with stalled enrollment, fee-resistant business clients, and a treasury team manually decisioning exceptions every day at 4 PM. The product exists. What's missing is the education. The Academy is the curriculum nobody else has built.
Pick your starting point.
Foundations
What modern Positive Pay actually is, who buys it, and the state of business payment fraud in 2026.
The Adoption Playbook
Why your PP program stalled, and the 4 levers that get business clients from enrolled to engaged.
The Sales Motion
The joint TMO + Relationship Manager call, conversation scripts, and the comeback to every objection.
Revenue & Retention
Turning PP into non-interest income and a retention moat. Pricing models, board memos, ROI math.
Operations & Compliance
Disclosures, default decisions, cutoffs, integrations, and examiner readiness.
This isn't theory. It's what your peers told us.
Most of our 100+ Positive Pay customers came in after a fraud incident. We don't sell it. We make it the obvious choice at a moment when they're listening.
$1B+ community FI · 5 branches
Once they have check and ACH Positive Pay configured, it's almost like you're putting a wall around your customer. They don't leave.
$1B+ community FI · 5 branches
Most of our business clients didn't know Positive Pay also does ACH. The conversation changes when they find out.
Community FI · 3 branches
Built by the team that's been protecting community FIs for nearly 2 decades.
The AFS team has spent nearly two decades helping community FIs roll out Positive Pay. Our product, sales engineering, partnerships, and customer success folks have sat in the integration calls, pricing meetings, and adoption check-ins at over a thousand FIs. The Academy is what they've learned, written for the next FI starting from scratch.
An 8-time Inc. 5000 honoree.
Join the Academy.
Get the Track 1 welcome kit emailed to you, plus monthly insights for community FI treasury teams. We never sell your data. Unsubscribe anytime.
- Built to read in 10 minutes, not watch in 40.
- Templates, scripts, and worksheets.
- Peer benchmarks at your asset tier.
Quick answers.
Is the Academy really free?
Yes. Free for every community FI and treasury professional. No upsell required.
Do I need to be an AFS customer to take the Academy?
No. The Academy is built and maintained by AFS. The curriculum is yours to use however you see fit.
What's the certification?
Complete Tracks 1–3 and pass the practitioner quiz to earn the "Modern Positive Pay Practitioner" badge. Complete all 5 tracks for "Modern Positive Pay Strategist." Both are LinkedIn-shareable.
When do new tracks launch?
All five tracks are live now: 26 lessons across Foundations, Adoption, Sales Motion, Revenue & Retention, and Operations & Compliance. Enroll and we'll email you when new lessons and downloadable assets are added.
Who built this?
Advanced Fraud Solutions, the consortium fraud-prevention platform serving 1,200+ community FIs.