Positive Pay

Positive Pay supports Business Online Banking customers by providing the ability to upload check issue files to a host system or network folder. A financial institution uses this functionality as a fraud/error reduction tool for the institution and its commercial customers. Files may be imported to Business Online Banking from third party systems capable of providing a tab-delimited formatted file or created by a user with the Positive Pay module.

Note: Positive Pay is an add-on module.

File Formats

Positive Pay requires a tab-delimited file format. The file will not contain any header or trailer information. This format is compliant with DNA Positive Pay import capabilities. Record content and field definition for upload to Business Online Banking is defined as follows:

Field

Datatype/Max Value

Format/Example

Required/Optional

Account Number

Large Integer/22

999…999

Required

Date

Date/10

10-11-2013

Required

Amount

Currency/15,2

999…999.99

Required

Item Status

Char/1

I (Issued)

C (Cancelled)

V (Voided)

R (Replaced)

I

Required

Description

Varchar/30

Quarterly tax payment

Optional

Check Number

Integer/10

9999999999

Required

Location Code

Varchar/14

123xyz

Optional

Auxiliary Number

Varchar/20

000123

Optional

Positive Pay Functions

To access Positive Pay, the business must be enabled for the feature and have accounts enabled for Positive Pay in Accounts Set Up. The Positive Pay link is displayed in the Navigation menu. To access Positive Pay, click the Positive Pay navigation link. The Positive Pay page displays a list of all active files.

From the Positive Pay page, you may perform the functions described in the following sections:

By default, all files for the current date displays. A dropdown list with different statuses allows the user to display the files by status.

  1. To view files by status, select one of the following from the File Status dropdown list:
    • All Current Files
    • Cancelled by Customer
    • Confirmed Awaiting Host
    • Rejected By Host System
    • Sent to Host for Processing
    • Successfully Received
  2. To view control information of a file, there are two methods:
    1. On the grid, click on the file name link. Control information is displayed for the selected file.
    2. In the Actions column on the same row as the file click the down arrow in the column. Buttons View, Delete, and Go are displayed. Click View and Go. The control information is displayed for the selected file.

In the Actions column on the same row as the file you want to delete:

  1. Click the down arrow in the column.
  2. In the dropdown list of actions, select Delete.
  3. Click Go at the bottom of the dropdown list.
  4. The Positive Pay Delete page displays the control information for the selected file. Two buttons are displayed, No and Yes DELETE. To delete, click the Yes DELETE button. The Positive Pay page displays and the deleted file does not display in the grid. If you wish not to delete, click the No button. The Positive Pay page displays and contains the file.

To sort files by column header, click on the column header Name, Status, Transmit Date, or Company. Files will be sorted in the order selected.

The Positive Pay module allows Business Users to create a Positive Pay file. Perform the following steps to create a positive file.

  1. Click on Add Transaction. The Add Transaction – Positive Pay page displays.
  2. Select an account number from Select the Account dropdown list.
  3. Enter Check Number, Amount, Date (defaults to current date), Description, and select a status from the Status dropdown list.
    • Issued
    • Cancelled
    • Voided
    • Replaced
    • Set to Host for Processing
    • Successfully Received
  4. Click Confirm. The Positive Pay – Add Transactions Confirmed page displays with the file control information and status of Successfully Received.
  5. Click Confirm to create the file. The Positive Pay page is displayed with the created file in the grid. You may click Delete to delete the file. If Delete is selected, the Confirmation Delete page is displayed. Select No button or Yes Delete button.

The Positive Pay module allows the Business User to import transactions from a tab delimited file for transmission to the Financial Institution. If the file passes validation, it is added to the database. Successfully validated files receive a response of ‘Successfully Received’. The user can click Confirm indicating the file is ready for processing and the File name, File Status (now Confirmed – Awaiting Host) and the Transmit Date are written to the Positive Pay grid. The user has the option to delete if the file was imported in error.

  1. To import a file, click the Import File button on the Positive Pay page.
  2. Click on Browse and select the file to be imported.
  3. Select an account from the Select Account dropdown list.
  4. Click the Import button. The status displays as ‘Successfully Received’.
  5. Click the Confirm button. The file displays on the Positive Pay grid. The file naming convention that displays is as follows:

    6. (Date)YYY-MM-DD (Time Stamp)HH-SS (Unique identifier)XX(FileName.PPY) The file now has a status of Confirmed – Awaiting Host

The Positive Pay Report allows the user to select the status and date range.

  1. To generate the Positive Pay Report, click the Positive Pay Report link. The page displays statuses and dates to be selected by the user.
    1. Select one of the following statuses or click on the Select All Statuses check box to include all statuses in the report
      • Cancelled by Customer
      • Completed Processing by Host
      • Confirmed Awaiting Host
      • Confirmed Rejected
      • Rejected by Host System
      • Sent to Host for Processing
      • Successfully Received
    2. Select one of the following from the Date Range dropdown list:
      • Select Present Date Range
      • Month to Date
      • Year to Date
      • Previous Year
      • Custom Date Range – Enter date in the From and To fields.
  2. Click Display Report. The report displays and can be printed by clicking a Print button.