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Get a quick overview of everything Positive Pay has to offer.

Positive Pay

Strengthen internal controls with fraud detection features like Same Day, Next Day, Teller and Payee Positive Pay and Payment Protection.

Fraud Services

Main Fraud Services

The following services can be accessed by selecting the Payables section in KeyNavigator, and clicking on Fraud Services: Same Day Positive Pay, Next Day Positive Pay, and Payment Protection. You can set a disposition default at the account level that can be applied to exceptions if no action is taken: Pay All or Stop / Return All. Exception items are 'scrubbed' by KeyBank in order to present to you only those items that could be fraudulent.

Same Day Positive Pay Detail

Same Day Positive Pay Detail

Select a CDA account from the Select Account dropdown to display the exception items for review.

Same Day Positive Pay Detail

Stopping a check before it has posted to your account is as easy as selecting the checkbox for the item(s) and selecting the next button.

Same Day Positive Pay Detail

Select the 'camera' icon to view check details. You can view the front and back of checks.

Same Day Positive Pay Detail

Payee name verification provides an added level of protection by comparing the name provided in the issue file to the name on the presented check, thus combating check alteration fraud. Teller positive pay provides protection for checks presented over the counter at KeyBank branches. This is is oftentimes not the case with other banks' positive pay.

Same Day Positive Pay Detail

E-checks, or checks inadvertently converted to ACH, are presented through positive pay for your review and approval or return. You can make decisions on KeyNavigator or through the KeyNavigator Mobile site.

Next Day Positive Pay Detail

Next Day Positive Pay Detail

Select a DDA account from the Select Account dropdown to display the exception items for review.

Next Day Positive Pay Detail

Returning a check after it has posted to your account is as easy as selecting the checkbox for the the item(s) and selecting the next button.

Next Day Positive Pay Detail

Select the 'camera' icon to view check details. You can view the front and the back of checks.

Next Day Positive Pay Detail

Payee name verification provides an added level of protection by comparing the name provided in the issue file to the name on the presented check, thus combating check alteration fraud. Teller positive pay provides protection for checks presented over the counter at KeyBank branches. This is is oftentimes not the case with other banks' positive pay.

Next Day Positive Pay Detail

E-checks, or checks inadvertently converted to ACH, are presented through positive pay for your review and approval or return. You can make decisions on KeyNavigator or through the KeyNavigator Mobile site.

Secondary Authorization Detail

Secondary Authorization Detail

Secondary authorization is typically used in conjunction with the positive pay default, Stop All. If an exception item is subsequently marked as paid, a second user needs to authorize it.

Secondary Authorization Detail

Authorizing an exception item to be paid, that another user has marked to pay, is as easy as selecting the checkbox for the item(s) and selecting the next button.

Secondary Authorization Detail

Select the 'camera' icon to view check details. You can view the front and the back of checks. This eliminates the possibility of a single person paying a fraudulent check, thus combating internal check fraud.

Payment Protection Detail

Payment Protection Detail

The Payment Protection Report allows you to view all checks that paid yesterday to compare them to your system of record, making decisions to return them if they are indeed fraudulent.

Payment Protection Detail

Returning a check after it has posted to your account is as easy as selecting the checkbox for the item(s) and selecting the next button.

Payment Protection Detail

Select the 'camera' icon to view check details. You can view the front and the back of checks. The payment protection detail does not require the uploading of issuance information.

Learn everything you need to know about Positive Pay.

View Complete User Guide