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### Manage and process exceptions quickly and all in one place.


A fraud researcher usually spends a couple of hours a day managing exceptions for a company by logging into a client portal. Researching and deciding how to process the items is time-consuming. With the Positive Pay API implementation, data is integrated directly into the portal and sends the researcher notifications, letting them know when something needs to be reviewed. The researcher can easily search for items based on dates and exception type (same day or previous day), view them and appropriately decide how to process the items.


### Detect fraud and decide whether to pay or return.


A fraud professional in a state's social services office routinely reviews accounts. With the additional disbursements during COVID, the professional noticed an increase in fraud occurring on the accounts. Together with a team, the fraud professional implemented the Positive Pay API to identify and research suspected items, and either make payments or returns. Positive Pay can be streamlined from their own systems when integrated with the Positive Pay API.






 








Example use cases

- Positive Pay exceptions will not be processed on bank holidays or weekends.


- Positive Pay exceptions are available from 9 a.m. to 3 p.m. local processing time


- Positive Pay exception decisions are due by 3:00 p.m. local processing time. If decisions are not sent by the required time, default decisions will apply (pay all or return all).








Restrictions

Manage fraud prevention services with greater speed and efficiency.

Positive Pay

The Positive Pay API helps you detect check fraud by electronically matching checks to items that you disbursed and described in the issue file. Each time you issue a check, you'll send an electronic issue file containing check information to U.S. Bank. The bank compares the serial number, dollar amount, and, if activated for that account, payee name information with checks presented for payment. Non-matching items are identified and displayed in SinglePoint® Positive Pay as exceptions. You decide whether to pay or return non-matching items.






With an interface intentionally designed for simplicity, Positive Pay API allows for personalization and customization to meet a company's specific needs in today's payments environment.
































Overview

### Process previous day and same day exceptions.
- Retrieve previous day Positive Pay and same day Positive Pay exceptions.
- Submit payment decisions on the exceptions.
- Retrieve exception history and details regarding specific processed exceptions.
### See check images as you process your exceptions.
- While processing exceptions, you can see the front image and back image of the check to validate and confirm details to minimize fraud.
### Receive notifications via webhooks.
- Receive online notifications via webhooks for previous day or same day exceptions requiring review.


Features

![Positive Pay workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/positive-pay/positive-pay-workflow.png)








Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

Bank Holidays

Card Activation

Card Controls

Commercial Credit Cards

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards Balance Summary

Rewards Redemption Coming Soon

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Card as a Service API

Check Payables

Core Banking API

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Disbursements via Zelle

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

Money Movement API

PaySmart

Payee Choice

Payee Token+

Personal Loans

Push to Card

Receivables

Reference API

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Getting started

Security guide

API reference

Release notes

Overview

Features

Workflow

PREVIOUS VERSIONS

Product Documents

Example use cases

Restrictions