Positive Pay ACH Admin Guide

ACH Positive Pay is an automated fraud prevention service that protects your business against unauthorized or fraudulent ACH debit transactions. This guide outlines how authorized users with "Manage Account" permissions can configure the system, including setting up users, assigning roles, managing trusted payees, and establishing active rules.

Accessing Positive Pay 

Online Banking

1. Log in to Online Banking
2. Select Tools in the left-hand sidebar
3. Click Positive Pay in the drop-down menu.

Business Banking Mobile App

1. Login to the Business Banking app
2. Tap the More button in the navigation bar on the bottom of the screen
3. Scroll & select Positive Pay in the Login & Security menu.

Roles & Permissions

Positive Pay features a standard set of system roles for your users. If your business requires custom user configurations, we can establish and add additional roles to meet your needs. 

Creating a Custom Role

Authorized users can also create custom roles for their organization by grouping a set of available permissions.

1. Select Settings
2. Click Roles & Permissions
3. Click Add Role
4. Name the role and choose permissions
5. Click Save.

Manage Custom Roles

1. Select Settings
2. Click Roles & Permissions
3. Click By Permission or By Event.

ACH Permissions Library

Manage Users

Add a User

1. Select Settings
2. Click Users
3. Click Add User
4. Fill out the required User Info fields
5. Click Save.

Edit User

1. Select Settings
2. Click Users
3. Select Edit next to the user
4. Change the desired fields
5. Click Save.

User Info Fields

Notification Settings

ACH Companies

Add an ACH Company

1. Select Settings
2. Click ACH Companies
3. Click Add Company
4. Enter the Name, Routing Number, and Company Identifier
5. Click Save.

⚠️ Important Note: The originating company name and company ID are shown on the ACH exception.
 

Manage Existing ACH Companies

1. Select Settings
2. Click Check Payees
3. Click Edit or Delete next to the payee you wish to manage.

⚠️ Important Note: Add each payee only once. Ensure spelling is consistent across all entries to prevent unnecessary exception alerts.

ACH Decision Rules

Authorized users can set up decision rules specifically for ACH exceptions. A debit that matches a rule does not create an exception.
 

Add an ACH Decision Rule

1. Select Settings 
2. Click Automatic ACH Decision Rules
3. Click Add Rule
4. Define the required Rule Conditions
5. Click Save.

⚠️ Important Note: Frequency applies only when a company is included in the rule. Options are Daily, Weekly, Monthly, and Annually. Example: To allow a vendor to debit up to $500 once a month, select the Company, set Frequency to Monthly, set Amount to $500, and set the Rule Decision to Pay.

Consider the following when creating rules:

• Use Company to allow only the originators the company expects. 
• Use Amount to set a limit so unexpected large debits create an exception.
• Use Frequency to limit how often a company can debit.
• Use SEC Code and Transaction Code to allow only the entry types the company expects.
• Set an Expiration Date for temporary rules.

⚠️ Important Note: Rules configured to "Pay" automatically bypass the manual user review process. Please carefully verify each rule's criteria before saving to ensure unauthorized transactions are not inadvertently approved.

Change an ACH Decision Rule

1. Select Settings
2. Click Automatic ACH Decision Rules
3. Select the rule
4. Change the conditions, dates, or decision.
5. Click Save Rules.

Delete an ACH Decision Rule

1. Select Settings
2. Click Automatic ACH Decision Rules
3. Select the rule 
4. Click Delete.

⚠️ Important Note: After a rule is deleted, debits that no longer match a rule create exceptions. Any exceptions not decisioned by the cutoff time will return by default unless the company settings are changed.

ACH Approval Rules

If an authorized user reviews exceptions generated for ACH transactions, the company may also want to review and approve some or all of their decisions. If so, you will need to set up an approval workflow using ACH approval rules.

Add an ACH Approval rule

1. Select Settings
2. Click ACH Approval Rules
3. Click Add Rule
4. Define the required Rule Conditions
5. Click Save.

ACH Approval Rule Conditions Fields

⚠️ Important Note: Any exceptions not decisioned or approved by the cutoff time will return by default unless the company settings are changed. 

Support

If you encounter any issues or need further assistance, you contact Client Services Monday-Friday 9am-9pm ET by dialing 888.895.9685 or emailing support@grasshopper.bank.

For your convenience, we also offer support via secure message or chat.