# PositivePayMaker

> Free browser-based positive pay (check issue) file generator. Converts CSV/Excel check registers into the exact issue-file layouts banks require for check-fraud protection, fixed-width or delimited, with verbatim presets for Chase, Huntington, First American Bank, Associated Bank, F&M Bank, First Foundation, and reconstructed legacy layouts for Bank of America and Fifth Third. Includes a file validator and a custom format builder. The browser tool is 100% client-side (check data never leaves the user's machine). An MCP server and REST API are available for AI agents.

Key facts: QuickBooks (Online and Desktop) cannot export positive pay files natively. Each bank requires its own exact layout. Voids are encoded differently per bank (V, C, CN, or status code 4). Always verify a first file with the bank before relying on it.

## Docs
- [What is positive pay](https://positivepaymaker.com/guides/what-is-positive-pay.md): plain-English explainer: how check issue files stop fraud, what's in the file, positive pay vs reverse vs ACH positive pay
- [Create a positive pay file from QuickBooks](https://positivepaymaker.com/guides/quickbooks-positive-pay.md): exact export paths for QuickBooks Online and Desktop, plus gotchas (title rows, voids at $0.00, EFT noise, leading-zero loss)
- [Bank format reference](https://positivepaymaker.com/formats.md): every supported bank layout with field positions, date/amount formats, void codes, confidence labels, and source spec URLs

## Tools
- [Generator](https://positivepaymaker.com/index): browser-based converter. Upload CSV/XLSX, map columns, download the bank file; client-side only
- [Validator](https://positivepaymaker.com/index#validator): paste an existing issue file, check structure and totals against a bank layout

## Agents
- [AGENTS.md](https://positivepaymaker.com/AGENTS.md): usage rules and constraints for AI agents
- [MCP server card](https://positivepaymaker.com/.well-known/mcp/server-card.json): machine-readable MCP server metadata (tools: list_bank_formats, generate_positive_pay_file, validate_positive_pay_file)
- [OpenAPI spec](https://positivepaymaker.com/openapi.json): REST facet of the same service

## Optional
- [Chase positive pay format](https://positivepaymaker.com/banks/chase)
- [Huntington positive pay format](https://positivepaymaker.com/banks/huntington)
- [First American Bank positive pay format](https://positivepaymaker.com/banks/first-american-bank)
- [Associated Bank positive pay format](https://positivepaymaker.com/banks/associated-bank)