Whether you're evaluating Positive Pay for the first time, or you've had it for years and can't get anyone to log in, the thing that determines whether it works is the same: your business clients reviewing exceptions and deciding pay or return, on their own.
30 minutes, on your screen, your questions. No slide deck, no pressure, no sales theater. Just the product, and an honest read on whether it fits your FI.
If one of your business clients called this afternoon and asked, "are we protected from check and ACH fraud?" — could you say yes, and mean it?
For most community FIs, the honest answer is "sort of."
Maybe you don't offer Positive Pay yet, and you know that gap is sitting there. Maybe it's bundled into your core, technically available, but you couldn't tell us how many business clients actually use it. Maybe you have a real program and it stalled in the double digits, with your team decisioning exceptions on clients' behalf because they won't log in.
Different starting points. Same problem. A Positive Pay program only protects the business clients who actually use it. And across community banking, most don't.
"I don't write that many checks anymore" — and the conversation ends before ACH ever comes up.
Exceptions pile up because nobody on the business side reviews them. The RM chases decisions by phone every cutoff.
Onboarding one business client takes two months because their accounting software exports a file the platform won't accept.
Branch staff are fee-averse, so they hesitate to bring it up at all.
You can see the number. A fraction of your business clients are enrolled. You know the problem isn't selling it — it's getting them to use it.
A Positive Pay program your clients ignore is exposure with a login. The fraud you meant to stop is still getting through.
Whether the gap is no program, an unused program, or a stalled one, it's easy to treat it as a someday problem. It isn't. Every month it stays open, it costs you in four places at once.
The un-enrolled accounts are unprotected. When fraud hits, you either pass the loss to a business client and strain the relationship, or you eat it as the cost of doing business. Both are expensive.
Industry research shows a majority of business clients using Positive Pay for free would be willing to pay for it. If your program is stalled or given away, that's six figures of non-interest income you aren't capturing.
A business client with check and ACH Positive Pay fully configured doesn't leave. As one chief retail officer put it: "almost like putting a wall around your customer." A stalled program builds no wall.
Every exception your treasury staff decisions on a client's behalf, every cutoff your relationship managers spend chasing decisions, is time that should be going to growth.
Stalled Positive Pay isn't neutral. It's a slow, compounding leak.
Most Positive Pay platforms are fraud engines that your team has to monitor. Positive Pay by AFS does two things at once: it catches fraud (AI-powered Payee Match, real-time decisioning, examiner-ready audit trails), and it gets your business clients to actually log in and use it.
The second half is what makes the first half work. If your business clients don't log in, your fraud engine isn't catching anything; they have to be using the tool for it to do its job. We built every part of Positive Pay by AFS around that constraint.
Six product decisions determine whether business clients actually engage with Positive Pay or treat it as a checkbox. Here's what each one looks like in Positive Pay by AFS.
One login, three protections. Your business client doesn't bounce between systems, and you don't lose the ACH conversation when they say they've stopped writing checks.
Your clients use whatever accounting software they use. We accept what it exports: headerless files, files without a full MICR line, fixed-length formats. No two-month onboarding fights over a missing column.
A business owner gets a text, opens the exception on their phone, decides pay or return in seconds. The decision happens in the field, where they actually are.
We populate a client's initial ruleset from their transaction history before they go live, so day one doesn't open with thirty exceptions and an overwhelmed client. The system already knows what their normal looks like.
Your team sets pay-or-return at the FI level, written into the agreement. Your business client isn't toggling a setting that changes your liability picture.
The cutoff shows on the screen, so "I didn't know the deadline" stops being a support call. Decisioning becomes routine instead of something clients put off.
When an exception is decisioned, the Decision File carries that decision back to your core — so transactions process without your team applying each one by hand. Implementation runs in weeks, not quarters. Staff training takes under an hour.
See it on a discovery call→Treasury leaders don't buy software. They hire it to do a job. Positive Pay by AFS is hired for three.
Every transaction matched against what the client authorized. Payee Match catches the washed check where the dollar amount looks right but the payee was altered. Exceptions get decisioned before funds move, not investigated after they're gone.
A product your clients use is a product they'll pay for. Priced per business account, bundled into a treasury tier — Positive Pay by AFS becomes a six-figure non-interest income line for a typical community FI book. Not a cost center.
A configured business client is a client who doesn't leave. In a market where everyone is fighting for commercial deposits, Positive Pay is one of the few products that both attracts business clients and holds them.
One platform. Three jobs. All of them depend on the same thing — clients who actually use it.
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.
People think it's a big fee until they've experienced fraud. Then the fee doesn't sound so big anymore.
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.
It's an easy and simple product to use. That's the whole game for getting business clients to actually log in.
The pattern underneath the quotes: the FIs that win with Positive Pay aren't the ones with the most features — they're the ones whose business clients log in. That's what we built for.
You have a fraud feature. The question is whether your business clients use it. If your enrollment is in the single digits and your team is decisioning exceptions on clients' behalf, you have a checkbox, not a program. Positive Pay by AFS is built for the adoption gap your core module leaves open.
They are — until they have fraud. The treasury teams who get past this stop selling a fee and start selling fraud insurance, or they bundle Positive Pay into a higher treasury tier so it reads as a service level. We'll show you exactly how on the call.
Standard implementation is measured in weeks, not quarters, and staff training takes under an hour. The longest pole is usually core integration, and we've done it with more than forty integration partners. We'll give you a realistic timeline for your specific setup — not a sales-call promise.
This is the one to take seriously, because it's the question every Positive Pay program lives or dies on. File-agnostic ingestion, mobile and SMS review, pre-built rules, visible cutoffs — each design choice in the product targets a specific reason a business client wouldn't log in. We treated adoption as the design brief, not something to fix after launch.
Fair question, and one to ask every PP vendor. Plenty of Positive Pay products got acquired into much bigger software platforms years ago — the original team has moved on, major releases have stalled, and the product gets patched rather than developed. AFS makes Positive Pay. It's not a feature inside someone else's portfolio. Our roadmap reflects what current customers ask for, and the engineers who shipped Payee Match are the same people on your support ticket.
We're not going to put you through a sales cycle to find out if this fits.
The discovery call is thirty minutes, on your screen. We show you the product working, you ask the questions that matter to your FI, and we give you an honest read on fit — including the cases where Positive Pay by AFS is not the right call.
Your business clients face check and ACH fraud every day. A Positive Pay program only stops that fraud if your clients actually use it. Positive Pay by AFS is built for exactly that. When they use it, three things happen: fraud stops before it clears, Positive Pay becomes non-interest income, and your commercial deposits get stickier.
Thirty minutes, on your screen, your questions. We'll tell you honestly whether it fits.
If you've been working through the Modern Positive Pay Academy, you already know the playbook — the metrics that matter, the enrollment levers, the adoption mechanics. Positive Pay by AFS is the platform we built to run that playbook. The Academy works with any vendor. This page is just the honest answer to "so how does AFS do it?"