Positive Pay

Protect Your Business from Fraud

What is Positive Pay?

Positive Pay is a fraud prevention service designed to help protect your business checking accounts from unauthorized or altered checks and ACH transactions. It acts as your first line of defense against fraud by matching each payment presented for processing with the list of authorized transactions you’ve uploaded.
If a payment doesn’t match, you’ll be notified to review and decide whether to approve or reject it — giving you complete control and confidence in every transaction.

Why Use Positive Pay

Prevent ACH and Check Fraud

Catch unauthorized or counterfeit checks and ACH transactions.

Get Alerts

Gain control with alerts and notifications.

Stay in Control

Save time with automated protection built right into your BrightStar Business Account.

How Positive Pay Works

Upload Your Issued Items

Log in to Business Online Banking and enter or upload your issued check and ACH payment information into the Positive Pay system.

Transactions Are Verified

As checks and ACH payments are presented for payment, they're automatically compared against your authorized list.

Exception Review

If a mismatch is detected, you'll receive a notification to review the transaction.

You Decide What Happens Next

Approve or reject the item directly from your online dashboard.

BrightStar Review

Our Business Services team monitors exceptions and helps ensure your account remains protected.

Enroll in Positive Pay

To enroll in Positive Pay, simply submit a request to our Small Business Specialist. Once your request is received, our team will review and activate Positive Pay for your business account.

This personalized setup ensures your Positive Pay configuration is optimized for your business needs.