Positive Pay System (PPS) for Cheque Truncation

All You Need To Know

Positive Pay:

To provide customers safety in cheque payments and reduce instances of fraud occurring on account of tampering of cheque leaves, HDFC Bank introduces a mechanism of Positive Pay for all cheques of value ₹50,000 and above. Through Positive Pay, cheques will be processed for payment by the drawee bank based on information passed on by its customer at the time of issuance of cheque.

You need to share the following details of the issued cheque at least 24 working hours before the cheque is presented in clearing.

When the payee submits the cheque for realisation via CTS clearing, details (account no./cheque no. and cheque amount) will be validated which have been provided to the Bank through Positive Pay.

Disclaimer:
HDFC Bank will be providing services of Positive Pay as long as the said access is provided to the Bank by NPCI.
Customers need to ensure that the data submitted is accurate and void of any mistakes / errors since the bank will validate the cheque issuance basis the data submitted.
Positive Pay is an additional risk mitigation measure and is not a mandatory requirement for instrument processing.

Please note the following for Positive Pay System for CTS:

Step 1: Issuer of cheque (drawer) on writing the cheque must submit the below specific details of the cheque in the below sample email format with the attached excel sheet, as a confirmation of the cheque issued.

Serial Number
Account Number (Customer’s account number)
Cheque Number
Cheque Date – (Cheque issue date)
Cheque Amount – (The amount should not be comma separated)
Beneficiary Name – (Beneficiary of the cheque issued by account holder)

The details need to be sent to any one the following email ID of the Bank (as applicable):

Positivepaynorth@hdfcbank.com

For customers from northern regions like – Punjab, Uttar Pradesh, Haryana, Himachal Pradesh, Jammu and Kashmir, Rajasthan, Uttarakhand, Delhi.

Positivepaysouth@hdfcbank.com

For customers from southern regions like – Tamil Nadu, Kerala, Karnataka, Andhra Pradesh, Telangana.

Positivepayeast@hdfcbank.com

For customers from eastern regions like – West Bengal, Odisha, Assam, Bihar, Jharkhand, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, Tripura, Sikkim.

Positivepaywest@hdfcbank.com

For customers from western regions like – Maharashtra, Gujarat, Madhya Pradesh, Goa, Chhattisgarh.

Please note: Email IDs mentioned above are regional email IDs and hence kindly send the email to the respective email IDs as per your location only.

Step 2: The drawer’s Positive Pay request will be acknowledged via an auto-acknowledgement email.

Step 3: On receipt of the email from the registered email ID of the cheque issuer (drawer), the Bank will cross verify the details.

Step 4: The Bank will accept or reject the Positive Pay request and a confirmation of acceptance or rejection will be sent to cheque issuer (drawer) via email.

Step 5: If there is rejection on account of data discrepancy, then the Issuer (drawer) will have to initiate a fresh Positive Pay request via email giving correct details of the cheque. In case of rejection on account of un-registered email, the customer needs to initiate fresh request from their registered email ID only.

Note: This service is applicable only for cheque received under CTS clearing of Rs. 50,000/- and above.

Positive Pay System shall be implemented from January 01, 2021.
Currently Positive Pay System (PPS) confirmation can be given by customers only through registered email ID.
Customers are advised to submit data only in English language
Please ensure to provide payee (beneficiary) name details, in the exact same manner as it has been captured on cheque issued.
No special characters will be allowed in the payee name other than a-z,A-Z,0-9,_(underscore), blank space,’(apostrophe), comma, full stop.

Here's how you can submit your Positive Pay request via HDFC Bank NetBanking:

Step 1 - Login to HDFC Bank NetBanking

Step 2 - Go to 'Accounts'

Step 3 - Click on 'Request'

Step 4 - Click on 'Positive Pay'

Step 5 - Select the Account Number for which Positive Pay data is to be submitted from the dropdown options

Step 6 - Input Cheque Number (6 digits), Select the date of the instrument, Beneficiary Name: (max of 50 characters), cheque amount (minimum of Rs. 50,000/- and above)

Step 7 - Review the terms and condition by clicking on the tab and confirm by checking the tick box

Step 8 - Submit the data post verification of details

Note: In case of any exceptions/error in data entry, the system will not allow the customer to submit the data.

Important instructions to be followed before submitting your Positive Pay request via HDFC Bank NetBanking:

Cheque Number should be of 6 digits only
Cheque date format "8" digit = DDMMYYYY
Amount should NOT be comma separated, only numeric values must be shared
No other special characters will be allowed in the payee name other than a-z, A-Z, 0-9, _(underscore), blank space,’(apostrophe), comma, full stop
Customers are advised to submit data only in English language
Please ensure to provide payee (beneficiary) name details, in the exact same manner as it has been captured on cheque issued.
Note: This service is applicable only for cheque received under CTS clearing of Rs. 50,000/- and above.

You need to share the following details of the issued cheque at least 24 working hours before the cheque is presented in clearing.
When the payee submits the cheque for realisation via CTS clearing, details (account no./cheque no. and cheque amount) will be validated which have been provided to the Bank through Positive Pay.

Disclaimer:

HDFC Bank will be providing services of Positive Pay as long as the said access is provided to the Bank by NPCI. Customers need to ensure that the data submitted is accurate and void of any mistakes / errors since the bank will validate the cheque issuance basis the data submitted. Positive Pay is an additional risk mitigation measure and is not a mandatory requirement for instrument processing.

Sample email format to be followed by customers to submit Positive Pay request to the Bank:

Dear Sir,

Please find the details of the cheque/cheques in the attached excel sheet, which I/we have issued that needs to be passed through the Positive Pay System.

Excel sheet
Thanking you,

Yours faithfully,

Important instructions to be followed before submitting your Positive Pay request:

Header wording has to be the exact same (even a space is not allowed). The acceptable file formats are .xls & .xlsx.
Data should be in 1 sheet only. Multiple sheets are not allowed.
Account Number should be of 14 digits only.
Cheque Number should be of 6 digits only.
Cheque date format "8" digit = DDMMYYYY
Amount should NOT be comma separated, only numeric values must be shared. Connotations such as ‘Rs.’, ‘Lacs / Lakhs / crores’ will not be accepted and will lead to rejection of complete data.
Mail size should be less than 2 MB.
Validations at field level cannot be done on the excel sheet and will be done once received by the Bank.
No other special characters will be allowed in the payee name other than a-z, A-Z, 0-9, _(underscore), blank space,’(apostrophe), comma, full stop.

Positive Pay System for Cheque Truncation