FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentAccessing Positive Pay
Online Banking
- Log in to Online Banking
- Select Tools in the left-hand sidebar
- Click Positive Pay in the drop-down menu.
Business Banking Mobile App
- Login to the Business Banking app
- Tap the More button in the navigation bar on the bottom of the screen
- Scroll & select Positive Pay in the Login & Security menu.
Manage ACH Exceptions
ACH exceptions are incoming ACH transactions presented for payment that do not match your established rules requiring manual review.
Reviewing Exceptions
Exceptions are pending ACH transactions that require review by an authorized user and a "Pay" or "Return" decision.
- Select Exceptions
- You can also select the link in the alert.
- Select the pending transaction that needs review
- Review the originating company, company ID, amount, SEC code, transaction code, frequency, and exception reason.
- Select Pay or Return
- Select a return reason, if prompted.
- Enter a note, if required.
- Select Submit.
⚠️ Important Note: If enabled by your company, entering a memo or reason may be required when making decisions. To stop receiving exceptions for an expected originator, you will need to add an ACH rule. Any exceptions not decisioned by our daily transaction cutoff times will return by default unless the company settings are changed.
Approving Decisions
If an approval rule applies to a decision, the decision is sent for approval by an authorized user. Otherwise, the decision is final.
- Select Exceptions
- You can also click the link in the approval alert.
- Select the ACH decision awaiting approval
- Review the originating company, company ID, amount, SEC code, transaction code, frequency, and exception reason.
- Select Approve or change the decision.
⚠️ Important Note: You must submit all decisions and approvals before our daily transaction cutoff times.
ACH Exception & Approval Data Dictionary
| Originating company and company ID | The company that originated the debit |
|---|---|
| Amount | The amount of the debit |
| SEC Code | The type of ACH entry, such as CCD or PPD |
| Transaction Code | The ACH transaction code |
| Frequency | How often the company is debiting the account |
| Exception reason | Why the debit created an exception |
Reporting & Logs
Authorized users can view detailed Positive Pay transaction history and audit logs.
| Past ACH Decisions | Exception History > Search by Account, Date Range, and Exception Type |
|---|---|
| Default Decision Log | Settings > Logs and API > Default Decision Log |
| System Log | Exception History, or Settings > Logs and API > System Log |
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.