Check Positive Pay (PRO-CHEX)

If you are using more than one system or provider to deliver check positive pay services and account recon information to your clients, you are paying too much, doing too much work in the backroom and sacrificing a real-time experience. We can change that! Legacy systems simply can’t compete with the improved efficiencies and client experience PRO-CHEX can deliver.

PRO-CHEX, an enterprise-level check positive pay service, boasts an end-to-end design that allows financial institutions to retire costly legacy backroom systems and markedly improve operational efficiencies.

PRO-CHEX is the first SaaS solution to ingest capture and issuance data, identify and alert for exceptions, present exceptions for pay/no pay decisions, and deliver a disposition file and/or report for return handling. However, if your financial institution prefers to retain an existing client frontend or backend reconcilement capability, PRO-CHEX can be configured to provide only the functionality your institution needs.

The sophisticated multi-operator FI cleanup and robust account reconciliation features allow clients to reconcile on-demand and on-frequency, and also allow them to define the data elements, order and format they want it in!

Need Payee Positive Pay? PRO-CHEX is the ONLY solution that supports Payee Positive Pay scoring thresholds to be customized at the account level! Your clients aren’t one size fits all; your payee positive pay shouldn’t be either.

Reverse Positive Pay can also be configured at the account level.

If your clients struggle with getting issue data into a set format, the PRO-CHEX data mapping wizard removes that daunting challenge. Clients simply define the file type they have and the location of the required data elements, and PRO-CHEX takes care of the rest. Clients can save mapping templates to make future imports seamless.

Single sign-on with virtually every online banking provider assures customers easy access to PRO-CHEX to take care of all their check positive pay needs. Coupled with PRO-TECH, your financial institution can provide a common check and ACH positive pay experience.

While PRO-CHEX requires no backroom systems integration or equipment purchases, ACH Alert supports API and file transfer integration with multiple core banking, online banking, and image systems. Teller integration is also supported.

With built-in billing capability (ACH or analysis), PRO-CHEX completely automates the billing process. Application and message branding are also supported.

As a service module of our Fraud Prevention HQ platform, PRO-CHEX can be used as a stand- alone or combined with PRO-TECH, C.O.P.S. and Bio-Wire to provide customers with a unified experience to prevent fraud across multiple payment channels.

If you are ready to dramatically reduce cost, increase client adoption and improve operational efficiencies, contact us today for a consultation.