Modern Positive Pay ROI Calculator | Advanced Fraud Solutions
Advanced Fraud Solutions
Modern Positive Pay · For community FIs

Protect your own checks first. Grow into business banking later.

See your Modern Positive Pay return in 60 seconds, then talk to us when the math makes sense.

Try the calculator
Explore your potential
Step 1

Fraud protection that pays for itself.

Estimate your annual protection, fee income, and client retention.

Select a mode to begin

Step 2: Your numbers

Your FI's asset size
Drives your AFS setup fee and Corporate Checks subscription.
Cashier's + official checks per year60,000
Two community CUs in the AFS book run 5,000/month (60K/yr).
Average value per check$5,000
Vendor ACH + payroll runs per year6,000
Average ACH payment value$3,000
Cashier's + official checks per year60,000
Average value per check$5,000
Vendor ACH runs per year6,000
Business clients enrolled by end of Year 225
Your retail price per business client / month$65
Median FI charges $50. Premium with payee match: $65-90.
Business accounts at your FI300
Realistic enrollment rate10%
AFS customer median is 5-10% in Year 1. 33% is a 3-year target.
Your retail price per business client / month$65
Step 3: The possibilities
FI Protection
Non-Interest Income
Clients on program
Year 1Protect your own checks. Pay setup. Start small.
$0
$0
0
Year 2Add first business clients. Internal protection continues.
$0
$0
0
Year 3Compound. Each new client adds margin.
$0
$0
0

FI Protection grows ~4%/yr — as your FI grows, so does the check & ACH volume Positive Pay shields. Clients on program grow ~7%/yr, net of churn.

Peer FIs at your asset tier 11 in-portfolio AFS customer CUs and community banks in this range run Modern Positive Pay on their own checks today. Cores represented: Symitar, DNA, KeyStone, Corelation. Email me the peer benchmarks guide
Beyond the dollars

Starting with your own FI lets you learn the tool, build internal buy-in, and prove value on your own checks before pitching business clients. By Year 2, you're not selling a vendor. You're selling a program you've already run.

See how you compare

The Path to Positive Pay — Peer Insights.

Community FIs almost never see how they stack up against peers. The free guide changes that.

  • Inside — Your numbers vs. AFS-protected FIs at your asset tier.
  • Access — Non-interest income + fraud-frequency benchmarks, plus a board-ready one-pager.
  • Why — Peer math for your next exec meeting; no sales call.
  • Source — AFS benchmarks from 19 years protecting community FIs.
🔓 Unlock Peer Insights in the free guide

🔒 We email the breakdown. We don't call. Unsubscribe in one click. Two-field gate: we'll enrich first/last from your work email domain.

The model under your number

Three constants do most of the work. The rest is your FI.

Modern Positive Pay's value depends on a few defensible numbers. Drawn from the LexisNexis True Cost of Fraud study and Federal Reserve commercial payment data. Treasury teams who check the math always start here.

$2,652
Average commercial check value
Every check a face-value target. Federal Reserve commercial check data, 2022.
$5.75
True cost per $1 of face value if fraud succeeds
Context, not counted: we leave this downstream cost out of your figures to stay conservative. Investigation, recovery, reissue, client outreach. LexisNexis 2025.
19
Years stopping check fraud at community FIs
Same focus. Same buyer. Same problem.
Get ahead of the trigger

Start before the loss.

Three of the most consistent paths to AFS from the customer base. The trigger isn't a product roadmap — it's a specific event that exposed the gap.

The Trigger
$10K payroll loss
An $8B community CU added two internal accounts to Positive Pay after a vendor file was rerouted on a payroll run.
Community CU, West Coast, Symitar core.
The Trigger
Reconciliation audit
A $10B community CU expanded to Payee Positive Pay after identifying a weakness in cashier's check reconciliation.
Community CU, West Coast, Symitar core.
The Trigger
Checks stolen + washed
A $2B community CU brought corporate Positive Pay online after issued checks were stolen from the mail and payee names changed.
Community CU, Midwest, KeyStone core.
1,200+
FIs trust AFS with fraud prevention
19
years stopping fraud at community FIs
8x
Inc. 5000 honoree
Built for your stack

Connects with the technologies you already work with.

We connect with the cores and partner platforms community institutions already use, and we add new integrations on an ongoing basis. If yours isn't supported yet, we'll build it — custom integration work is a standard part of how we work, not an exception.

Candescent
Tyfone
Fiserv
Access Softek
Lumin Digital
Narmi
Jaguar Software
Linker Finance
Candescent
Tyfone
Fiserv
Access Softek
Lumin Digital
Narmi
Jaguar Software
Linker Finance
Candescent
Tyfone
Fiserv
Access Softek
Lumin Digital
Narmi
Jaguar Software
Linker Finance
Candescent
Tyfone
Fiserv
Access Softek
Lumin Digital
Narmi
Jaguar Software
Linker Finance

New integrations on a regular basis

We're continually adding cores and platforms, so the system you run today is more likely supported than not.

Custom integrations, without the long wait

Need a connection we haven't built yet? Our engineering team builds custom integrations far faster than the multi-year projects FIs are used to — with full support throughout.

Done with the math?

Talk to our team about your specific FI.

Thirty minutes, your numbers, and our experience with peer FIs on your core. We'll tell you honestly whether it fits.

Book a discovery call
Show the math

Modern Positive Pay flags items that don't match your issue file before they clear. The figures above count fraud face value only. Each $1 of prevented fraud also avoids roughly $5.75 in downstream true cost — investigation, recovery, reissue, customer outreach (LexisNexis True Cost of Fraud, 2025) — which we leave out to keep your numbers conservative.

FI Protection (Year 1) = face_at_risk (fraud face value) Face at risk = checks/yr × avg value × 0.5% check fraud attempt rate + ACH/yr × avg value × 1.0% ACH fraud attempt rate FI Protection (Year N) = Year 1 × (1 + 4%)^(N−1) — protection compounds as the FI grows its check & ACH volume Non-interest income = enrolled clients × (your retail price − cost basis) × 12 − setup Clients on program (Year N) = Year 1 book × (1 + 7%)^(N−1) — modest net-of-churn book growth Cost basis and setup scale with FI asset size. We'll share specifics when you talk to our team.
Sources: Federal Reserve Q2 2024 commercial payment data, LexisNexis True Cost of Fraud (2025), FI fee schedule survey (21 FIs, May 2026). FI growth benchmark: FDIC Quarterly Banking Profile 2024 (community-bank loan growth +5.1%), NCUA 2024 (credit-union assets +2.3%).
Modeled on AFS customer benchmarks, partner pricing exhibit A (May 2026), and FI fee schedule research (21 FIs, May 2026). Your FI's numbers will vary. © 2026 Advanced Fraud Solutions.