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Fraud Prevention Solutions

You face a growing threat from fraud. And once criminals find a weakness, they may target your business again and again. Protect your payment and account information with fraud prevention solutions from Santander.


Positive Pay

Feel confident in the industry’s most widely trusted approach to stopping check fraud. Positive pay services match all checks presented for payment against your check issue data, alerting you to discrepancies and letting you decide whether to cash or return suspicious items.

  • Minimize losses by detecting fraudulent checks before they post to the account
  • Streamline your processes and make them more secure

ACH Safeguards

Without protection, every ACH presentment against your account will be automatically paid. You can defend your accounts from fraudulent debits with our two-pronged solution.

  • ACH Positive Pay—establish various levels of control through the use of filters to allow only matching ACH transactions to post. You will be able to review any incoming ACH debits that do not match the pre-defined criteria and decide whether to allow or return each one.
  • ACH Blocks and Filters—establish transaction blocks and filters such as stopping all credits or debits from posting to your account or allowing transactions that meet your predefined criteria

Account Alerts

Sign up for email alerts to securely access time-sensitive account information.

  • Stay on top of wire transfer activity, positive pay exceptions, daily balances, and account statements
  • Receive alerts via text message (SMS) or email

Online Security

Safeguard your company’s financial information with tools that let you carefully control access—all fully integrated into Santander’s online banking solutions.

  • User authentication, including organization ID, user IDs, and user passwords with confirmation
  • Automatic disablement after excessive login attempts
  • Encrypted passwords with forced changes at regular intervals
  • Time-out limit of 15 minutes to log out inactive users
  • Dual controls and secondary authentication for ACH/Wire transfers
  • Audit reporting to view all user activity

of companies were victims of payment fraud in 2015*

of victims who suffered losses had no positive pay*

of commercial banking customers trust positive pay solutions*

*2016 AFP Payments Fraud and Control Survey

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