Positive Pay es una herramienta de prevención de fraude que utiliza procesos de decisión de pago con capacidad de imagen para mejorar la experiencia de autoservicio del titular de la cuenta comercial,,en,Pero, ¿cuánto mejor sería esta herramienta de administración de efectivo si pudiera involucrar a sus sucursales en el proceso?,,en. But how much better would this cash management tool be if you could involve your branches in the process? What if you could allow your tellers to access account holder positive pay files at the moment of presentment?
It has been demonstrated again and again that the sooner you identify a problem in the payment negotiation and collection process, the less costly it is to resolve. The primary concept behind positive pay is: don’t wait until after an item is paid to find out it was issued incorrectly or fraudulently, decide before you pay it. And that axiom is even more true for stopping fraud. The sooner you recognize fraud, the better chance you have of preventing a loss for your financial institution or account holders.
This is why VSoft has introduced a new feature in its OnView Positive Pay offering. Teller systems now have the ability to access the issue files of its Positive Pay enrolled account holders. This access allows tellers to be notified if an item was not issued or was issued for a different amount. OnView Positive Pay empowers tellers with a chance to prevent an honest error, or an attempt at fraud. The teller can pursue several options: Refuse payment, contact the account holder to request a decision, or even delay the presenter while law enforcement is contacted.
If you think your institution could benefit by adding this valuable feature to your cash management offering, start a conversation with us today.