Positive Pay[cite::92::cite] from California Bank & Trust is one set of solutions for the early detection of unauthorized check payments and ACH transactions.

With Positive Pay, you can help protect your accounts against costly fraudulent transactions with one inexpensive solution for managing lists of acceptable payment items, reviewing images of items presented for payment, and making payment or return decisions right online. You have four options to choose from:

• Positive Pay helps prevent check fraud. Simply send us a check file every time you issue checks; or manually enter your checks into the system. We'll match this file against checks presented for payment to identify discrepancies or suspect checks. View front and back images of these checks to make payment/return decisions online.
• Positive Pay with Payee Match adds another level of security by verifying payee names. Send us the payee information in your check issue file and we will also verify payee names to detect any discrepancies.  View front and back images of these checks to make payment/return decisions online. 
• Reverse Positive Pay is an alternative to Positive Pay for companies that are unable or elect not to send check issue information to the bank. View online images of checks from the previous business day and determine if any should be returned.
• ACH Positive Pay helps prevent unauthorized electronic transactions and manage your inventory of acceptable transactions. It offers flexibility for using your own ACH filters to accept or reject items to manage risk more accurately. Add, edit, or delete filters at any time based on your needs.
• Positive Pay Mobile puts fraud control services in the palm of your hand. Receive alerts, see ACH and check exception item images, view history, and make time-sensitive decisions from the office or on the road.

Benefits of Positive Pay

• Lower costs. Timely return of unauthorized checks and electronic transactions saves you many times the cost of the service in potential losses and legal fees.
• Easy-to-use. The screens and menus are intuitive and easy to navigate. You and your team can operate the system with very little training.
• Improved control and security for your account. You have the option to pay or return stale-dated items, or items that do not match your issue information, and unauthorized electronic transactions.
• Images. View front and back images of daily exceptions.
• Email and Text notifications. We can send notifications to one or more email addresses or text numbers when daily exception items are available for review.