Positive Pay

Validate payments and prevent fraud with one powerful web-based platform.

Positive Pay Products and Solutions (PPPS) is a web-based platform, powered by SAND® eCRM, that delivers payment validation solutions with fraud detection and prevention capabilities for commercial checks and electronic payments. The PPPS platform enables Ulster Savings Bank to respond quickly and efficiently to improve fraud protection.

Solutions within the platform include:

  • Traditional Positive Pay
  • Payee Positive Pay
  • Reverse Positive Pay
  • PayPass through ARP
  • ACH Positive Pay
  • SAND Secure Barcode
  • Accounts Reconciliation

Fraud detection and prevention begins at the point of disbursement and is improved through automated verification. Positive Pay solutions combat check fraud schemes such as:

  • Invalid MICR lines
  • Forgeries
  • Counterfeiting
  • Duplications

PPPS expands the capabilities of traditional positive pay software and bridges the gap between electronic and check payments for increased fraud protection. This platform allows for increased automation, on-demand image presentations, alteration detection, and assistance with reconciliation and reporting.

“We have all of our operating capital accounts, insurance, our payroll, and numerous loans with Ulster Savings. The reason we keep going back is the customer service.”

Managing a Growing Team

A smart and organized recruitment and retention strategy can save your organization time and money while providing a foundation for sustainable business growth.

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Customer Acquisition and Retention

Understanding how to best acquire and retain new customers will help your business reach your growth goals and turn a profit in the long term.

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Women and Minority-Owned Small Businesses

If you are a woman or a member of a minority group launching a small business, many opportunities are available to help you fulfill your business goals.

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24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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