Stop Check Fraud Before It Costs Your Business
Positive pay implementation that automatically verifies every check, flags fraud in real-time, and protects your business 24/7. Seamlessly integrates with 22,000+ banks.
OnlineCheckWriter.com- Powered by Zil Money is a fintech, not a bank. FDIC coverage is provided through our partner banks Texas National Bank and Lincoln Savings Bank.
$1M+
Business Accounts
22,000+
Financial institutions integrated
100%
Fraud detection accuracy
24/7
Real-time protection
Check Fraud Is Costing Businesses Billions
Every day, criminals are getting smarter about stealing from businesses through forged checks, altered amounts, stolen payments, and counterfeit documents. Without protection, your business could be next.
Problem
Check Fraud Happens Fast
The Issue: Criminals can alter a check and cash it within hours. By the time you notice, the money is gone and recovery is nearly impossible.
Solution
Instant Fraud Detection
The Solution: Positive pay implementation catches fraud instantly. The moment a suspicious check is presented, you get an alert and can stop the payment before any money leaves your account.
Problem
Manual Tracking Fails
The Issue: Tracking checks manually with spreadsheets is time-consuming and error-prone. You can’t possibly monitor every check 24/7.
Solution
Automated 24/7 Protection
The Solution: Automated positive pay works around the clock. The system tracks every check automatically and alerts you only when there’s a problem.
Problem
One Fraud Destroys Businesses
The Issue: A single large fraudulent check can wipe out your cash reserves, forcing you to miss payroll or pay vendors late.
Solution
Complete Financial Protection
The Solution: Positive pay stops fraud before it impacts your business. Your money stays protected and operations continue smoothly.
Problem
Banks Don't Protect Automatically
The Issue: Without positive pay, your bank will likely pay fraudulent checks. They’re not responsible for verifying each payment.
Solution
Bank-Level Verification
The Solution: Once you implement positive pay, your bank must verify every check against your approved list. You control what gets paid.
How Positive Pay Implementation Works
Three simple steps to complete protection. Implementation takes less than 24 hours and starts working immediately.
You Issue a Check
When you write or print a check, your positive pay system automatically sends the check details to your bank: check number, dollar amount, payee name, and issue date.
Automatic Verification
When the check is presented for payment, your bank compares it against your approved list. If it matches, it clears normally. If something’s wrong, it gets flagged immediately.
You Decide
Receive instant alerts about flagged checks. Review the discrepancy and choose to approve or reject the payment. This happens in real-time, 24/7.
Complete Payment Security Platform
OnlineCheckWriter.com provides everything you need to protect your business and streamline payments.
Seamless Bank Integration
Connects directly with 22,000+ financial institutions. Automatic transmission of check details with no manual uploads required.
Real-Time Fraud Detection
Every check is verified instantly. Flags altered amounts, changed payee names, forged signatures, and duplicate check numbers.
Automatic Updates
System instantly notifies your bank when you cancel, void, or stop payment on checks. Real-time synchronization ensures complete protection.
Instant Alerts
Receive immediate notifications about suspicious activity. Complete control over what gets paid with mobile and email alerts.
Check Printing & Mailing
Print checks on-demand or mail them securely through USPS/FedEx. Track delivery status and schedule recurring mailings.
Multiple Payment Options
ACH transfers, wire transfers, virtual credit cards, and international payments all from one secure platform.
Complete Payment Control
Real-time transaction tracking, automatic bank reconciliation, role-based user access, and multi-level approval workflows.
Bank-Level Security
SOC 2, PCI DSS, ISO 27001 certified. HIPAA compliant for healthcare. NIST 800-53 security controls.
Accounting Integration
Seamless integration with QuickBooks, Xero, Zoho, and other major accounting platforms. Automatic data synchronization.
FREQUENTLY ASKED QUESTIONS
What is positive pay?
Positive Pay ensures that checks are validated against a list of issued checks, preventing fraudulent or incorrect checks from being processed. It's a security service that automatically verifies every check before it clears your bank account.
How long does implementation take?
Most businesses are fully protected within 24 hours of signup. The system connects to your bank automatically and starts protecting your checks immediately.
Can positive pay detect altered checks?
Yes, it identifies any changes in check details such as amounts or payee names, and flags suspicious checks for review immediately. You receive an alert and can approve or reject the payment.
Will it slow down my payments?
No. Legitimate checks clear at normal speed. Only suspicious checks are flagged for review, ensuring your business operations continue smoothly.
How much does positive pay cost?
Positive pay is just $199.99/Account. No hidden fees, no long-term contracts.
Can I use positive pay with multiple bank accounts?
Yes. OnlineCheckWriter.com supports unlimited bank connections with positive pay protection for each account. Manage all your business accounts from one platform.
What happens if I reject a flagged check?
The check is returned to the depositor unpaid. Your money stays in your account and you're protected from the fraudulent transaction.
Is my financial data secure?
Yes. OnlineCheckWriter.com uses bank-level encryption and complies with all financial security standards including SOC 2, PCI DSS, and ISO 27001. Your data is never sold or shared.
Real Stories, Real Results
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