Positive Pay Enhancement

We’re enhancing your Payee Positive Pay service on September 3, 2026.

We’re enhancing the Positive Pay Payee match service to strengthen protection against check fraud. This update will provide additional security when verifying the payee information on checks presented for payment against the payee information you provide in your daily Positive Pay check issue file.

What to expect:
You may see an increase in daily Positive Pay exceptions as a result of this enhancement. However, you can greatly reduce or eliminate the number of exceptions and avoid the associated per-item fees by ensuring you have industry best practices in place ahead of this change.

How to prepare now:

  • Provide exact payee names.
    Enter the complete payee name in your check issue file exactly as it appears on the check. Any mismatch will result in an exception.
  • Test file updates with us.
    You may have to make changes to your check issue file to ensure the complete payee names are included. Please contact us to help validate changes to your file to ensure it loads correctly.
  • Set a daily exception review schedule.
    Review and decision exceptions between 10 a.m.-2 p.m. CT / 11 a.m.–3 p.m. ET daily.
  • Designate additional Positive Pay approvers.
    Contact us if you wish to assign additional users to review exceptions to ensure coverage during absences and throughout the year.
  • Consider Positive Pay alerts.
    Contact us if you wish to set up email and/or text alerts for reminders to decision your Positive Pay exceptions.

Have questions or need more information?
If you have any questions about this fraud mitigation enhancement or how to prepare, we can help. Please reach out to us if you have any questions.

Treasury Management Client Services

Central Time
866.839.2781
Eastern Time
855.282.8655

TMClientService@pnfp.com
Open 8:30 a.m. to 5 p.m. local time