The Modern
Positive Pay
Academy.
A free, structured curriculum for the people who run Positive Pay at community banks and credit unions. Built on real customer interviews, peer benchmarks, and the playbook one community bank used to put 100+ commercial clients on PP.
Positive Pay is the most under-leveraged product in community banking.
Most community FIs have a Positive Pay program. Most run at 5% adoption with stalled enrollment, fee-resistant business clients, and a treasury team manually decisioning exceptions every day at 4 PM. That's not a product problem. That's an education problem. The Academy is the curriculum nobody else has built.
Pick your starting point.
Foundations
What modern Positive Pay actually is, who buys it, and the state of business payment fraud in 2026.
The Adoption Playbook
Why your PP program stalled, and the 4 levers that get business clients from enrolled to engaged.
The Sales Motion
The joint TMO + Relationship Banker call, conversation scripts, and the comeback to every objection.
Revenue & Retention
Turning PP into non-interest income and a retention moat. Pricing models, board memos, ROI math.
Operations & Compliance
Disclosures, default decisions, cutoffs, integrations, and examiner readiness.
This isn't theory. It's what your peers told us.
Most of our 100+ Positive Pay customers came in after a fraud incident. We don't sell it. We make it the obvious choice at a moment when they're listening.
$1B+ community bank · Southeast
Once they have check and ACH Positive Pay configured, it's almost like you're putting a wall around your customer. They don't leave.
$1B+ community bank · Southeast
Most of our business clients didn't know Positive Pay also does ACH. The conversation changes when they find out.
Community bank · Northeast
Built by the team that's been protecting community FIs since 2012.
The Academy is the working knowledge of the AFS team, distilled. Our product, sales engineering, partnerships, and customer success teams have spent more than a decade inside community banks and credit unions, sitting through hundreds of integration calls with FIS, Fiserv, Jack Henry, Candescent, and Lumen. This curriculum is what fell out of those conversations.
Join the Academy.
Get the Track 1 welcome kit emailed to you, plus monthly insights tailored to your current Positive Pay status. We never sell your data. Unsubscribe anytime.
- 10-minute lessons. No videos.
- Templates, scripts, and worksheets.
- Peer benchmarks at your asset tier.
Quick answers.
Is the Academy really free?
Yes. Free for every community bank, credit union, and treasury professional. No upsell required.
Do I need to be an AFS customer to take the Academy?
No. The curriculum is vendor-neutral. If you want to talk to AFS about implementing what you learn, that conversation is on the table, never required.
What's the certification?
Complete Tracks 1–3 and pass the practitioner quiz to earn the "Modern Positive Pay Practitioner" badge. Complete all 5 tracks for "Modern Positive Pay Strategist." Both are LinkedIn-shareable.
When do new tracks launch?
Track 2 drops summer 2026. Tracks 3–5 follow on a roughly quarterly cadence. Enrolled members get launch emails first.
Who built this?
Advanced Fraud Solutions, the consortium fraud-prevention platform serving 1,500+ community FIs.