The Positive Pay Implementation Kit
Positive pay is the single most effective control against check fraud, and your bank already offers it. What the bank does not offer is help: the enrollment call assumes you know what to ask, the file spec assumes you know how to build it, and the first rejected upload stalls most setups for a month. This kit is the missing instruction manual.
What is inside
- Implementation guide (10 pages): standard vs payee vs reverse, what to decide before calling the bank, the seven file errors behind almost every rejection, the weekly routine, exception handling, a rollout section for bookkeeping firms, and what to do if fraud already happened.
- Bank enrollment worksheet: the twenty questions for the enrollment call, including the ones that get you routed past the banker to someone who can answer.
- Implementation checklist: initial-and-date lines from first decision to proven go-live, including the deliberate test exception most setups skip.
- Weekly run SOP template: fill in the blanks and pin it where checks are printed. Covers voids, reissues, and the manual-check leak.
- Client explainer letter: for bookkeepers, a one-pager that gets the client to yes without a meeting.
- Run and exception log (spreadsheet).
Get the kit
$39 one time
- Instant download: five typeset PDFs plus the log spreadsheet
- Tool-neutral: works whatever you use to build the issue file
- Free updates when bank practices change, through your receipt link
- 30-day refund, no questions
Payment runs on Stripe's checkout pages; we never see your card number. After payment you land on the download page, and your receipt link re-downloads the kit any time.
Who wrote this
The maker of the free positive pay generator on this site, from the same research behind its documented bank formats. The kit is deliberately tool-neutral: every step works with any converter, including building files by hand.
Will it work with my bank?
Yes. It is written for the way US banks run positive pay generally, and the worksheet captures your bank's specifics on the enrollment call. If your bank's file format is not in the free generator yet, the format setup service handles that side.