OnlineCheckWriter.com Highlights Positive Pay Tools to Help Businesses Manage Check Fraud Risk
The platform helps businesses prepare issued-check records for bank verification and review potential payment discrepancies.
TYLER, Texas, Oct. 12, 2026 — Check fraud remains a concern for U.S. businesses that rely on paper checks for vendor payments and other financial transactions. OnlineCheckWriter.com – Powered by Zil Money is highlighting its Positive Pay capabilities, which help businesses manage issued-check information used by participating banks to identify potentially unauthorized payments.
According to the 2026 AFP Payments Fraud and Control Survey, 58% of responding organizations reported check fraud in 2025, making checks the most frequently affected payment method in the study.
The survey, conducted in January 2026 among 465 treasury practitioners, illustrates why businesses continue to evaluate controls for check-based payments.
How Positive Pay Supports Check Verification
Positive Pay is a bank-supported fraud detection process that compares checks presented for payment with records of checks a business has issued.
Businesses typically provide their banks with information such as check numbers, amounts, and issue dates. Depending on the service, payee information may also be included.
When a check is presented, the bank compares the relevant details against its issued-check records.
If the information does not match, the bank may identify the check as an exception and make it available for review under the bank’s Positive Pay procedures.
OnlineCheckWriter.com supports this process by helping businesses prepare and export issued-check information in supported formats.
Depending on the bank and configuration, information may be exchanged through supported file transfers or other integrations.
Helping Finance Teams Review Payment Exceptions
For businesses issuing checks to multiple suppliers, maintaining accurate records is an important part of managing payment risk.
For example, if a business issues a check for $2,500 and a check with the same number is presented for a different amount, Positive Pay can help identify the discrepancy when the appropriate matching controls are enabled.
The business can then review the exception through its bank’s established procedures and determine the appropriate response.
The service can also support record management for canceled or voided checks, subject to the selected bank integration and available features.
Positive Pay does not guarantee that every fraudulent check will be detected or prevented. Its effectiveness depends on accurate issue files, supported bank controls, timely exception review, and applicable processing deadlines.
Businesses should confirm setup requirements, supported features, and fees before activating the service.
About OnlineCheckWriter.com – Powered by Zil Money
OnlineCheckWriter.com – Powered by Zil Money is a cloud-based financial technology platform offering check printing, check mailing, eChecks, ACH payments, wire transfers, and business payment management services.
The platform also provides Positive Pay tools to support businesses that use participating banks’ check verification services.
OnlineCheckWriter.com is a financial technology platform, not a bank. Banking and money movement services are provided through partner financial institutions and licensed service providers. FDIC insurance applies only to eligible deposit products, subject to applicable requirements.
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OnlineCheckWriter.com
Email: [email protected]
Phone: (408) 775-7720
Website: https://onlinecheckwriter.com/
