Secure All Your Cheque Transactions Through Mobile Banking

STEP 1: Check if Your Bank Offers PPS

• Not all banks provide PPS, but most major banks in India have implemented it for cheques above ₹50,000 (some banks may have a different threshold).
• You can check with your bank’s branch, website, or customer service for PPS registration.

STEP 2: Choose Your Mode of Registration

• Banks offer multiple ways to register for PPS:

  • Online Banking / Mobile Banking App (Most convenient method)
  • Branch Visit (Manual form submission)
  • Email to the Bank’s Customer Support
  • Phone Banking / IVR Service

STEP 3: Submit Cheque Details Before Issuing

• If you are issuing a cheque that meets the PPS threshold, you need to provide these details to your bank before handing over the cheque to the beneficiary:

  • • Cheque Number
  • • Cheque Date
  • • Payee Name (Beneficiary)
  • • Cheque Amount
  • • Account Number
  • • MICR Code (printed on the cheque)
  • • Optional: Image of the cheque (if required by the bank)

STEP 4: Confirm Submission & Receive Acknowledgment

• If registering online or via mobile banking, you will receive an SMS/email confirmation after successful submission.
• If submitting manually, the bank will issue an acknowledgment receipt.

STEP 5: Bank Verifies the Cheque When Presented for Clearing

• When the cheque is deposited by the beneficiary, the bank cross-verifies the details submitted in the Positive Pay System.
• If any discrepancy is found (e.g., mismatch in payee name or amount), the bank flags the cheque for verification before processing.

STEP 6: Track Status & Modify if Needed

• If required, you can modify or cancel a Positive Pay request before the cheque is presented.
• Some banks allow customers to check the status via their online banking portal.