Fraud Protection in our Self Mailer Checks

Each day, fraudulent checks are presented for payment at banks across America, costing businesses a total of $15 billion annually. Fortunately, TransForm64 helps you safeguard your company against loss—with a fraud-fighting tool built right into its check printing software. It's called Positive Pay with Payee Verification.

What is Positive Pay?

By detecting altered dollar amounts as well as counterfeit and duplicate checks, Positive Pay is currently the most powerful measure businesses can take to prevent and detect check fraud.

With Positive Pay, your business communicates with the bank thru an "issuance file" which contains detailed information on every check you are about to issue. As checks are presented to your bank for payment, the bank compares the information in your issuance file to the information on each check.

Checks that do not match the issuance file will be referred back to you. At that point, you can decide whether you'd like to pay the questionable items or have them returned through the banking system.



What is Payee Verification?

Although Positive Pay is useful in exposing counterfeit and duplicate checks, it does not detect when the payee line on a check is altered—something likely to happen if a check is stolen or intercepted in the mail.

Payee Verification is a feature that enhances the effectiveness of Positive Pay by recognizing when the payee name on a check has been changed. With Payee Verification, your bank uses special imaging technology to "read" the name on the payee line of all checks that are presented for payment.

If a payee name does not match the information in your issuance file, an alert is triggered and you are notified immediately of the suspicious activity.

Together, Positive Pay and Payee Verification provide you with the most powerful and effective fraud-prevention tools available in today's marketplace.

Get The Power of Positive Pay and Payee Verification

With TRANSFORM64 at no extra cost!

TransForm64, our free software with Positive Pay software and Payee Verification allows you to create, sign and print checks on our innovative self-mailers, all in one simple step.At the same time, the information necessary for issuance files is automatically and transparently retrieved from the checks and made available for immediate transmittal to your bank. Unlike similar programs, TransForm64 requires no re-keying of data after a check is processed. In fact, you'll discover that creating issuance files is as quick and easy as selecting the "imprint" function within your current accounting software! There is absolutely no specialized training required for you or your staff.

What's more, TransForm64 comes complete with additional anti-fraud features that provide even more comprehensive protection:

  • Effectiveness of Payee Verification.
  • TransForm64 increases the effectiveness of Payee Verification through our patent-pending feature called PrecisionRead. By digitally adjusting font, spacing, blank space, pitch and size, PrecisionRead optimizes the payee name on your checks to be 100% readable by your bank's imaging technology. This makes it even more likely for discrepancies to be detected and makes forgery nearly impossible.

  • TransForm64 keeps your sensitive information safe.
  • TransForm64 suppresses the payee's Social Security number on the actual check and, since a window envelope is not needed for mailing, it also omits the payee's address, keeping their sensitive information safe from prying eyes.


If you purchased Positive Pay software separately, it could run you as much as $500--or substantially more. But with TransForm64, Positive Pay with Payee Verification is included at no extra cost. In addition to providing you with smart and efficient check printing technology, TransForm64 empowers your business to increase the security of its financial transactions and protect itself against losses due to fraud. Everything you need, all in one package now that is smart business.

Questions about Positive Pay and Payee Verification? Please call Laser Substrates,Inc. toll-free at 1-800-538-4900 or e-mail us at and one of our representatives will be glad to assist you.