# PositivePayMaker

> Free, browser-based positive pay (check issue) file generator. It converts a check register exported from QuickBooks, Xero, Sage, NetSuite, or any accounting system into the exact positive pay file a bank requires, fixed-width or delimited, matched to each bank's layout. It runs entirely in the browser, so check data is never uploaded. A file validator, a custom format builder, an MCP server, and a REST API are also available. Every page on this site has a Markdown mirror: request any URL with the header `Accept: text/markdown` to get clean Markdown.

Key facts: QuickBooks (Online and Desktop) cannot export positive pay files natively; the standard workaround is to export the check register and convert it. Every bank requires its own exact layout, and voids are encoded differently per bank (V, C, CN, or a status code). Always verify the first generated file with the bank before relying on it.

## Documentation
- [What is positive pay](https://positivepaymaker.com/guides/what-is-positive-pay.md): how check issue files stop fraud, what is in the file, and 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 the common gotchas
- [Positive pay file format reference](https://positivepaymaker.com/reference/positive-pay-file-format.md): fixed-width vs delimited layouts, the standard fields, date and amount formats, and void codes
- [Positive pay glossary](https://positivepaymaker.com/reference/positive-pay-glossary.md): definitions of the terms
- [Bank format reference](https://positivepaymaker.com/formats.md): every supported bank layout with field positions, formats, void codes, and source spec URLs

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

## Guides by accounting software (34 guides)
- [All software guides](https://positivepaymaker.com/guides/): QuickBooks, Xero, Sage, NetSuite, Acumatica, Dynamics, Paychex, and more, each with the exact export steps
- [Xero](https://positivepaymaker.com/guides/xero-positive-pay.md) · [NetSuite](https://positivepaymaker.com/guides/netsuite-positive-pay.md) · [Sage 50](https://positivepaymaker.com/guides/sage-50-positive-pay.md)

## Positive pay by bank (48 banks)
- [All bank guides](https://positivepaymaker.com/banks/): how positive pay works at each bank and the file each expects. Layouts marked verified are built from a bank's published specification
- [Chase](https://positivepaymaker.com/banks/chase.md) · [Huntington](https://positivepaymaker.com/banks/huntington.md) · [First American Bank](https://positivepaymaker.com/banks/first-american-bank.md) · [Associated Bank](https://positivepaymaker.com/banks/associated-bank.md)

## Learn (33 articles)
- [Positive pay basics and answers](https://positivepaymaker.com/learn/): how it works, the variants, file formats, exceptions, rejections, liability, and industry guides
- [How positive pay stops check fraud](https://positivepaymaker.com/learn/how-positive-pay-stops-check-fraud.md) · [Payee positive pay](https://positivepaymaker.com/learn/payee-positive-pay.md) · [Check fraud statistics](https://positivepaymaker.com/learn/check-fraud-statistics.md)

## For AI 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): 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
- Content use: see /robots.txt (Content-Signal: search=yes, ai-input=yes, ai-train=yes). AI crawlers are welcome.

## Full index
- [Sitemap](https://positivepaymaker.com/sitemap.xml): all 123 pages