About issue maintenance

The Issue Maintenance service is provided for fraud control. It allows you to see checks that we have identified as suspect and to make the decision whether we should return the check.

The way the service works differs somewhat depending on whether a particular account is configured for regular Positive Pay or Reverse Positive Pay.

• With regular Positive Pay, the first step in the process is to upload an issue file, or a list of checks your business has issued, using the Upload File feature. This file should contain the check number, issue date, and issue amount. We maintain this list, and compare checks presented to us against it. If checks are presented to us that don't match your file, we list them as suspects. You can review the suspects in each of your accounts and decide whether they should be returned.
• With Reverse Positive Pay, the process is reversed. The system displays the list of checks that are contained within the prior day's transactions. You then compare the information to your company's internal records, and then decide whether to return items that do not match.

The Issue Maintenance feature enables you to manually add items for consideration into the positive pay/reconciliation process and to manually enter and maintain check issues and void instructions. you can create instructions for adding and deleting both issues and voids. The issues are then sent to the financial institution for reconciliation. If the system identifies discrepancies between your entered issues and the actual checks that have been presented for payment, the system returns these suspect items for analysis and decision making within the Positive Pay area.

This manual method of loading issue and void instructions is an alternative to a bulk, automated load method, such as the File Upload function. The manual method is ideal if your volume of issues is relatively low and if you need to create an individual issue apart from your normal bulk load process.