TrueChecks (Positive Pay) Release November 2025 – TrueChecks

What was done?
Positive Pay Data Used in TrueChecks Portal
Positive Pay Exception data will now be returned during a TrueChecks Portal check search for applicable clients with a Positive Pay Integration license. This is currently only available for TrueChecks check search with the Portal; This functionality will be added to Batch and API check queries in subsequent releases.
When a financial institution searches TrueChecks with an on-us or transit check, Positive Pay data is now leveraged to determine if the check was written by a Business Client that's enrolled in Positive Pay, determine if the check matches an Issued Check in Positive Pay, and if any Exceptions are generated.
Positive Pay Exceptions will influence the TrueChecks Recommended Action.

There will be no changes to TrueChecks Recommended Actions if:
• The FI is not enabled in the Positive Pay Integration,
• The Business Client is not enrolled in Positive Pay, or
• The presented check does match an Issued Check with no Exceptions in Positive Pay.

If the presented check for a Positive Pay-enrolled Business Client doesn’t match an Issued Check in Positive Pay, or if the presented check matches an Issued Check with Positive Pay Exceptions, the TrueChecks Recommended Actions will be altered to reflect the data found in Positive Pay.

The TrueChecks recommendations for Positive Pay Exceptions are as follows:

Positive Pay Exception	TrueChecks Recommendation
Exact Match	None
Check Not Found	Hold
Check # Out of Range	Hold
Void or Stopped Check	Deny
Wrong Amount	Deny
Wrong Date	Hold
Stale Date	Deny
Over Limit	Deny
Duplicate Presented Check	Deny
Wrong Payee	Deny
Routing # Not Found	None
Account # Not Found	None
Check # Not Found	None
Under Limit	Deny
Missing Payee	None
Invalid Presented Date	Hold
Reverse Positive Pay	None

Why is this useful?
Financial institutions can view relevant Positive Pay Issued Check and Exception information to help make an informed decision about a TrueChecks hold, extended hold, or denial of a check.

How do I use it?
1. Login as a TrueChecks Client that has the Positive Pay Integration license enabled.
a. Note that it may take up to 30 minutes for the license to take effect once enabled.
2. Navigate to TrueChecks.
3. Using Alert Search, search for a check using Routing Number, Check Number and Account Number, among other values.
4. If the check’s Account and Routing Number are associated with a Positive Pay Contributor and Positive Pay has

A matching Issued Check with Exceptions:
a. The search results will display the Positive Pay Details for that check in the search results, highlighting any differences between the presented check and the Issued Check in Positive Pay.
5. If the check’s Account and Routing Numbers are not associated with a Positive Pay Contributor or Positive Pay does not have a matching Issued Check with Exceptions:
a. The search results will display without Positive Pay Details displayed.