Positive Pay Release November 2025

What was done?
Incoming ACH Credit Transaction Analysis 
Positive Pay analysis now includes the ability to review incoming ACH credits in addition to ACH debits. A Business Client must be configured for either or both ACH Debit or ACH Credit on the Settings screen.
Positive Pay will process these transactions with credit Transaction Codes from the Transaction Code field in the 

Detail Record of the Nacha file:
         [22] Credit to Checking
         [32] Credit to Savings
Within the grid on the ACH screen, a new column named Trans Code has been placed before the Trans Type column, to display the numerical Transaction Code.

The new transaction codes are available for use on the “Add ACH” option on the ACH screen:

The Exceptions screens also include the new transaction codes:

Transaction Type and Transaction Code fields were added to the ACH Decision File for newly created decision files. Existing ACH Decision Files were not impacted by this change.
     o TransCode (Transaction Code)
     o TransType (Transaction Code)
 

Business Clients that opt into processing ACH credits will have available criteria (Amount, Company, SEC Code, and Transaction Code) to build ACH rules.
 

Why is this useful?
Potentially fraudulent transactions may occur due to a fraudster attempting to confirm account information.
ACH Credit Monitoring by all participants in the ACH environment is a requirement of the Nacha rules effective in March and June 2026.

How do I use it?
1. To enable credit analysis for a Business Client, select Settings from the main menu bar
2. Select Business Clients and choose the desired Business Client for configuration
3. Use the slide bar to enable ACH debit and/or ACH Credit

For a Business Client to utilize Transaction Code as part of an existing or new Automatic ACH Decision Rule:
     a. Login as a Business Client
     b. Select Settings / Automatic ACH Decision Rule
     c. Choose to edit an existing rule or create a new rule
     d. Select the desired rule conditions, including Transaction Code

For a Business Client to utilize Transaction Code as part of an existing ACH Approval Rule or create a new approval rule:
     a. Select Settings / ACH Approval Rule
     b. Choose to edit an existing rule or create a new rule
     c. Select the desired rule conditions, including Transaction Code