Reverse Positive Pay Quick Start Guide

According to the 2025 AFP Payment Fraud and Control Survey Report, checks are the payment method most vulnerable to fraud, with 63% of survey respondents reporting their organizations experienced attempted or actual check fraud.

Positive Pay is one of the most effective tools to help protect your hard earned money. Our Reverse Positive Pay tool gives you the ability to review and approve checks before they're paid—helping to stop unauthorized or altered checks from hitting your account.

With Reverse Positive Pay, you will have the chance to review all checks presented for payment to your account to verify accuracy of dollar amount and payee. Utilize our Quick Start Guide below to take the next step in protecting your business from check fraud.

FAQ:

What if I am not the only individual that needs access to decision checks?

If you have additional individuals at your company that need access to decision Reverse Positive Pay check items, they must first be set up in Online Banking.

1. Log in to Small Business Online Banking. Select Tools > Manage Users > Add New User. Follow the instructions on the screen to complete the new user inputs.
2. After adding them as a new user, you can grant them access to Positive Pay. Navigate to Tools > Positive Pay > Administration > Company Administration > Create New User. Follow the instructions on the screen to complete the new user inputs. Allow up to two business days for the new user to be updated to access Positive Pay.