---
title: Positive Pay in UBT Business & How to Use It Effectively
description: How to access and use positive pay in UBT Business
---

[Skip to content](https://learningcenter.ubt.com/positive-pay-in-ubt-business-how-to-use-it-effectively#main-content)

English

Show submenu for translations

![Union Bank & Trust](https://learningcenter.ubt.com/hs-fs/hubfs/UBT%20Blue%20White%20Outline%20-%202021%20March.png?width=500&height=68&name=UBT%20Blue%20White%20Outline%20-%202021%20March.png)

Open main navigation

Close main navigation

- English
  
  Show submenu for translations
- [Contact us](tel:+14024738542)

[Contact us](tel:+14024738542)

 How can we help you?

- There are no suggestions because the search field is empty.

1. [UBT Knowledge Base](https://learningcenter.ubt.com/?hsLang=en)
2. [UBT Business](https://learningcenter.ubt.com/ubt-business?hsLang=en)
3. [Risk & Reporting](https://learningcenter.ubt.com/ubt-business?hsLang=en#risk-reporting)

# Positive Pay in UBT Business & How to Use It Effectively

## Positive Pay is designed to help businesses detect and prevent unauthorized or altered checks from clearing their accounts.

The Positive Pay system within UBT Business has a new quick decision page under the **Risk & Reporting** tab for faster processing of exceptions.

Please note: All Positive Pay exception decisions must be made before 3:00 p.m. CST. If a decision is not made by this cutoff, the system will utilize your default decisioning and either pay or return the item. You also will need to make sure list a payee. 

### Accessing Positive Pay

The UBT Business mobile app also supports Positive Pay functionality, which means you can:

- Review and decision exception items from your phone or tablet.
- Receive alerts and take action immediately — no need to wait until you’re back at your desk.

This is especially useful for business owners and managers who travel or work remotely.

You can also find the Positive Pay widget on your homepage, which shows:

- A summary of any pending exceptions
- Quick links to decision them
- A real-time view of your check fraud protection status

- [UBT Business](https://learningcenter.ubt.com/ubt-business?hsLang=en#main-content)

    - [Account and Setup](https://learningcenter.ubt.com/ubt-business?hsLang=en#account-and-setup)
    - [Navigating the System](https://learningcenter.ubt.com/ubt-business?hsLang=en#navigating-the-system)
    - [Money Movement](https://learningcenter.ubt.com/ubt-business?hsLang=en#money-movement)
    - [Mobile App](https://learningcenter.ubt.com/ubt-business?hsLang=en#mobile-app)
    - [Risk & Reporting](https://learningcenter.ubt.com/ubt-business?hsLang=en#risk-reporting)

[![Union Bank & Trust](https://learningcenter.ubt.com/hs-fs/hubfs/UBT%20Blue%20White%20Outline%20-%202021%20March.png?width=500&height=68&name=UBT%20Blue%20White%20Outline%20-%202021%20March.png "Union Bank & Trust")](http://ubt.com)

[mailto:ubtbusiness@ubt.com](mailto:ubtbusiness@ubt.com)

Copyright © 2025, Union Bank & Trust, Member FDIC