ISO Positive Pay File for Voided Checks

Oracle Fusion Cloud Payments now supports including voided check details in ISO 20022 positive pay files for JPMorgan Chase and PNC banks.

Positive pay files help banks validate checks presented for payment against check information provided by an organization. 

You can manually run the Create Positive Pay File process to transmit a positive pay void file in the ISO 20022 format. To run the process, select the predefined payment process profile for positive pay, the payment file number, and the status as Voided Payments Only. The process generates the positive pay file with bank-specific values for void for J.P. Morgan and PNC banks.

When you select a payment process profile associated with an ISO positive pay format:

  • The Payment File Number parameter is displayed and is required.
  • The Select Status parameter defaults to Voided Payments Only.
  • You can override the default status when required, such as when reporting negotiable checks for in-house check-printing scenarios.
  • The application uses the selected payment file number to derive the message ID.
  • A lowercase L followed by the system date and time in YYYYMMDDHH24MISS format is appended to the payment file number to generate a unique message ID.
  • The generated positive pay file can be transmitted using the positive pay outbound transmission configuration assigned to the payment system account.

For example, when the payment file number is 1234, the generated message ID will be:1234l20260331062918

The predefined JPMorgan Chase and PNC payment process profiles are updated with their corresponding ISO positive pay formats. Their payment systems and payment system accounts are also updated to support separate positive pay transmission configurations.

These are the business benefits:

  • Reduce the risk of voided checks being paid fraudulently.
  • Notify partner banks of voided checks using ISO 20022 positive pay files.
  • Reduce custom template and payment setup requirements for JPMorgan Chase and PNC integrations.
  • Improve control over positive pay file generation and transmission.
  • Support organizations that outsource check printing to partner banks

Steps to enable and configure

You don't need to do anything to enable this feature.

Tips and considerations

  • Reporting voided checks is a manual process. You must submit the Create Positive Pay File process after a check is voided.
  • Select Voided Payments Only when check printing is outsourced to a partner bank, to avoid sending unnecessary issued-payment information.
  • While submitting the create positive pay file job, for an ISO positive pay format, the payment file number is mandatory.
  • The payment file number field isn’t grayed for non-ISO positive pay formats, preserving existing processing behavior.
  • Positive pay files for stopped payments aren’t supported.
  • Bank of America ISO positive pay support for voided checks isn’t included.
  • Existing eText positive pay formats don’t require changes because they already support voided check details.
  • Review the predefined JPMorgan Chase or PNC payment process profile and confirm that the appropriate positive pay format is assigned.
  • Review the applicable payment system account and confirm that the positive pay outbound transmission configuration is assigned:
    • JPM Positive Pay File Outbound, or
    • PNC Positive Pay File Outbound
  • Void the applicable check payment.
  • Select the Create Positive Pay File process.
  • Select the applicable payment process profile.
  • Select the payment file number associated with the voided payment.
  • Confirm that Select Status is defaulted to Voided Payments Only.
  • Submit the process and review the generated positive pay file.

Access requirements

No new access requirements