ACH Positive Pay

ACH Positive Pay Introduction

ACH Positive Pay helps prevent fraud by letting companies review suspicious ACH debit transactions (called exceptions) and decide whether to approve or reject them. An exception happens when a transaction doesn’t match the company’s preset rules, called payment rules.

What Are Payment Rules?
Payment rules control which ACH debits are allowed and which are blocked. These rules can be added, changed, or removed at any time. If a transaction matches a rule, it’s processed normally. If not, it’s flagged as an exception for review.

How It Works:
• When Positive Pay is first set up, all ACH debits are blocked for security.
• Companies must delete the initial “block all” rule after adding their first payment rule.
• Users review exceptions and can approve or reject them.
• Approved exceptions can be used to create new rules, reducing future exceptions.

! It is important to note that the ACH returns will be returned not authorized and if it truly has been authorized it can cause issues, such as the originator will no longer allow you to schedule another payment via ACH because of security standards blocking the transaction.

Add an ACH Payment Rule

1

Account Services > ACH Positive Pay

2

Select the Manage Payment Rules tab then click Add Authorization.

Payment rules can be created on-demand or when an exception being present.

Prerequisites: The Approval role and Allow Transmit account entitlement are required to complete this task.

If there are multiple rules for the same company, the system uses the strictest limits. Example:

One rule allows up to $50 for all types.
Another allows up to $100, but only for CCD transactions.
→ Result: Only CCD debits under $50 are allowed.

3

Add an ACH Payment Rule

Complete the Add Authorization options:

! An Originiator company name and ID will be required to make the rule.

!! When you choose to pay an exception, the system will prompt you to create a rule for the payee. If selected, this will automatically populate the Company's information for rule creation.