Positive Pay helps businesses identify suspicious items.

Publish Date: October 2026

October is Cybersecurity Awareness Month, a time dedicated to helping individuals and businesses strengthen their defenses against increasingly sophisticated financial threats. While cybersecurity conversations often focus on phishing emails, ransomware, and data breaches, one of the fastest-growing threats facing businesses today is check and payment fraud.

“Using Positive Pay adds an important layer of protection for our business customers,” said Michaela Walsh, eBanking Associate at Fidelity Bank & Trust.  “The solution compares checks and ACH transactions presented for payment against the records provided by the business.  When discrepancies are identified, they’re flagged for review before funds are paid,” explained Michaela.

Checks remain one of the payment methods most vulnerable to fraud.  Learn how you can protect your business with Positive Pay:

• REDUCE FINANCIAL LOSS
  Positive Pay verifies payment information and identifies irregularities that could indicate unauthorized payment attempts, including but not limited to altered, counterfeit and duplicate checks.  Rather than allowing suspicious transactions to move through the payment process unnoticed, Positive Pay gives businesses the opportunity to review exceptions and determine whether a transaction should be approved or rejected.
   
• IMPROVE VISIBILITY & CONTROL
  Businesses need visibility to make informed decisions.  Positive Pay can provide exception reporting, transaction monitoring, check image access, notifications and historical reporting to help you review and manage suspicious items more efficiently.  These capabilities enable your team to respond quickly when unusual activity occurs. 
   
• ENHANCE BUSINESS CONFIDENCE
  Cybersecurity Awareness Month serves as a reminder that proactive prevention is more effective than reacting to a fraud event after it occurs.  By implementing Positive Pay, businesses can increase confidence in their payment processes, reduce operational risk, and demonstrate their commitment to protecting company assets. 

Cybersecurity Awareness Month is the perfect time for businesses to evaluate how to protect financial assets. As fraudsters continue to evolve their tactics, tools like Positive Pay can provide the additional layer of protection businesses need to operate securely and confidently.  Watch this video or contact us to learn more!