Positive Pay

You can submit Positive Pay details using any of the following channels:

• AU 0101 Mobile App
• Net Banking
• AU Bank Website

Applicable to all account holders issuing cheques

Recommended for all cheque transactions to enhance security

Positive Pay details must be submitted at the time of cheque issuance

Cheque details should match exactly with the presented cheque

Facility available free of cost

Positive Pay is a system introduced as per RBI guidelines (effective 1 January 2021) to enhance cheque security and prevent fraudulent encashment due to forged or altered cheques.
After issuing a cheque, the customer are required to (for applicable cheques) share details such as cheque number, date, payee name, account number, account on which the cheque is drawn and amount with the bank by submitting a Positive Pay details.

When a cheque is presented for payment, the bank verifies its details against the information submitted through Positive Pay. If the details match, the cheque is honoured or passed; otherwise, it is returned if the positive pay details are not available or incorrect.

Positive Pay strengthens cheque payment security by reducing the risk of fraud caused by tampering or forgery. It acts as a verification mechanism to help verify that cheque details match and are authentic before payment is processed.

Positive Pay helps protect against cheque alteration and fraud. Additionally, only Positive Pay compliant cheques will be accepted under dispute resolution mechanism of RBI. Therefore, it is recommended to submit Positive Pay before cheque issuance.

It will be applicable to all AU account holders like Sole Prop, Individual, NRI, Company, Partnership, government entities and to all account types where cheque books have been issued – Saving, Current and OD.

Positive Pay details can be submitted through:

• Mobile App/Net Banking/Corporate Internet Banking- Click here
• Website- Click here

Log in to the AU 0101 App and go to:

Services→ Cheque Book → Positive Pay

Enter required details: cheque number, amount, issuance date, and payee name. Proceed and confirm details.

Log in and navigate to:

Service Request→ Cheque Services → Positive Pay

Enter the required cheque details and confirm.

• For Single Request
• Log in and go to:
• Account Services → Cheque Services → Cheque Mandate / Positive Pay Single → Initiate
• Enter the required cheque details and submit.
• For Bulk Request
• Log in and go to:
• Account Services → Cheque Services → Cheque Mandate / Positive Pay Bulk → Initiate
• Upload the bulk file in the given format with the required details and submit.

No, the Positive Pay service is free for all AU customers.

Positive Pay can be submitted digitally 24x7, but it should preferably be submitted at the time of issuance of the cheque and must always be submitted prior to its presentation.

Yes, the details are recorded in the system in real time.

If cheque details do not match, the bank will return the cheque.

Yes, you will receive an SMS confirmation on your registered mobile number.

Yes, it is recommended to submit Positive Pay for all cheques, including those used for transfers to your own accounts in other banks.

If cheque details do not match, the bank will return the cheque. This is applicable even if the cheque is below the threshold of ₹10 Lakhs.

Once Positive Pay details are submitted; modification is not permitted through customer channels. Customers are advised to ensure correctness before submission.

In such cases, only the first successfully registered Positive Pay entry will be considered valid. Any subsequent submissions for the same cheque number will be rejected by the system.

Positive Pay submission is an account-level activity and is not required to be performed by all joint account holders individually. The requirement is independent of the Mode of Operation (MOP).

Yes, any joint account holder who has access to the applicable banking channel (such as Net Banking or Mobile Banking) can update the Positive Pay details for the cheque.