Positive Pay: Protect Your Business with Confidence

A smarter way to safeguard your cash flow—backed by a partner who understands what it takes to run a business.

Prevent Check and ACH Fraud Before It Happens

Running a business means navigating constant change. From shifting markets to evolving demands, there’s always something new to manage. Cash flow shouldn’t be one of those worries.

At HVCU, we help you protect your cash flow with simple, effective tools designed for how businesses operate today. Positive Pay adds a reliable layer of protection so you can stay focused on growing, planning, and leading with confidence.

Why Cash Flow Protection Matters

Fraud attempts continue to rise, and even a single unauthorized transaction can disrupt payroll, delay vendor payments, or stall growth. Positive Pay helps stop fraudulent checks and ACH debits before they post to your account, keeping your money protected and your plans moving forward.

How Positive Pay Works

Positive Pay acts as an always-on shield, reviewing transactions before they post.

Check Protection

We match each presented check to your issued payee list.
If a transaction doesn’t align, we flag it.
You choose to approve or return.

ACH Protection

Set rules for trusted vendors, amounts, and frequency.
We notify you if a transaction falls outside those rules.
You stay in control of what gets paid.

No extra paperwork or added complexity. Just a smoother, more secure workflow.

Built for How You Work

Every business is different. That’s why HVCU offers flexible Positive Pay options that grow with you.

Check Positive Pay: Upload checks and review only the items that don’t match, saving time and strengthening security.
ACH Positive Pay: Set your parameters and review only what falls outside them, ideal for frequent or sensitive ACH activity.
The ability to approve or return items from desktop or mobile.
Confidence that your payment operations remain stable and controlled.

Whatever your next step, Positive Pay helps ensure your cash is ready for it.

Learn More with Online Resources

See how Positive Pay works from the member’s point of view with our quick video demos.
(For optimal viewing, please expand videos to full screen mode.)

Step-by-Step Path to Confident Payments

Your Positive Pay tools are designed to make protecting your business simple and stress-free. These user guides show you exactly how to get started, manage transactions, and make the most of every feature – so you can work smarter and worry less.

ACH Positive Pay - User Guide Check Positive Pay - User Guide