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Secure Payment Processes
Protecting Your Business
In today’s fast-paced financial landscape, safeguarding your business against fraud while ensuring seamless financial operations is more critical than ever. Our comprehensive solutions are designed to enhance security, improve efficiency, and empower your business with the tools it needs to stay ahead.
ACH Positive Pay
ACH Positive Pay is a powerful fraud prevention tool that empowers businesses to actively monitor and detect unauthorized ACH transactions, giving you a sense of control and security.
Benefits
- Reduced Fraud Risk: Protects against unauthorized ACH debits and minimizes financial losses.
- Improved Control: Provides businesses with greater visibility and authority over ACH activities.
- Enhanced Security: Adds an extra layer of protection against electronic payment fraud.
Key Features
- Set custom filters based on parameters like amount, payee name, ACH type, and company ID to identify potential fraud.
- Review and approve or reject flagged transactions that don’t align with your pre-authorized list.
- Receive real-time notifications via email or text message whenever exceptions are detected.
- Option to block all ACH debits except those you specifically approve.
- Compare payee names to your pre-approved list to catch any discrepancies.
- Access detailed reports on flagged transactions and fraud attempts for better insight and control.
Check Positive Pay
Check Positive Pay is a web-based service that helps safeguard your business against check fraud by verifying daily payment exceptions.
Benefits
- Enhanced Security: Minimizes the likelihood of fraudulent checks being processed.
- Improved Cash Flow Management: Increases control over your business’s check payments.
- Peace of Mind: Offers an automated solution to monitor and prevent check fraud.
Key Features
- Automate check verification by matching issued checks against those presented for payment.
- Upload check files directly through our secure portal.
- Daily exception reports are available by 7 a.m., giving you ample time to review.
- Make informed payment decisions online by 10:30 a.m. each day.
Payee Positive Pay
Payee Positive Pay offers additional protection against fraudulent check alterations by verifying payee names.
Benefits
- Increased Security: Strengthens your business’s defenses against check-washing schemes.
- Streamlined Monitoring: Easily view and manage exceptions within Business Online Banking.
- Comprehensive Fraud Detection: Combines multiple layers of verification for robust fraud prevention.
Key Features
- Payee Positive Pay matches the payee name on the clearing check with the name in your issued check file.
- Ensures that the payee name on the check presented for payment matches the intended recipient.
- Reduces the risk of check fraud by verifying the accuracy of the payee information.
- Flags and reports discrepancies as a “payee mismatch” exception.
- Allows you to review flagged transactions and decide whether to pay or return the item.
- Provides added security by giving you control over potentially fraudulent transactions.
For a more detailed understanding of how payee name verification can help prevent check fraud, we encourage you to view our Payee Name Verification Guide. This guide provides valuable insights and best practices for verifying payee names and enhancing fraud prevention efforts.
ACH
ACH (Automated Clearing House) services offer a convenient and reliable way to process electronic payments for your business. Whether you’re handling payroll, vendor payments, or customer billing, ACH streamlines your financial transactions with enhanced efficiency and security.
Benefits
- Cost Savings: Reduce expenses by eliminating paper checks and the associated processing fees.
- Automation and Efficiency: Automate recurring transactions like payroll and billing, freeing up valuable time for your team.
- Enhanced Cash Flow Management: Schedule payments in advance to ensure timely and predictable cash flow.
- Increased Security: Minimize the risks of lost or stolen checks with secure electronic transfers.
Features
- Batch Processing: Handle multiple transactions at once, streamlining your payment processes.
- Customizable Permissions: Delegate ACH processing and approval to trusted individuals while maintaining oversight.
- Detailed Reporting: Access comprehensive reports for greater visibility into all ACH transactions.
- Direct Deposit Capabilities: Provide convenient and timely payments to employees through direct deposits.
Online Wire
Online Wire Transfer services offer a secure and efficient way to move money quickly both domestically and internationally. Wire transfers are the fastest option for sending and receiving funds when timing is critical.
Benefits
- Speed and Reliability:Â Enjoy same-day processing for most domestic wire transfers and prompt service for international payments.
- High-Level Security: Leverage encrypted systems and multi-layer authentication to protect sensitive transactions.
- Global Reach: Send and receive wire transfers across borders with ease and confidence.
- Controlled Access: Assign approval and authorization roles within your organization for secure delegation of wire transfers.
Features
- Real-Time Processing: Confirm wire transfers in real-time, giving instant feedback on each transaction’s status.
- Flexible Currency Options: Conduct international wire transfers in various currencies to accommodate global business needs.
- Comprehensive Audit Trails: Access detailed records and audit trails for each wire transaction, ensuring transparency and compliance.
- Advanced Security Controls: Implement dual approvals and authentication measures for added protection of high-value transfers.
Insights & Security
Optimizing Your Fraud Prevention Strategy: Best Practices for Payee Positive Pay
Maximizing Security with ACH Positive Pay
