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Positive pay is the leading method of check fraud deterrence available today. Ëe positive pay process entails a daily reconcilement of a company's issued checks to checks presented for payment to First American Bank to identify potentially fraudulent checks.
The payment is automatically withdrawn from the payerâs (person who is making the paymentâs) bank account. The business or payment gateway then sends the receipt of payment to the payeeâs email account. The payment is then deposited into the receiverâs bank account (or if both parties are using a payment gateway to handle the transaction, into the payment gatewayâs account given to the receiver).