We automate electronic payment risk management, compliance and reporting for financial institutions.
Stay Compliant
Avoid Losses
Reduce Costs
Grow Revenue
How We’re Different
Accuracy
Integrated machine learning and predictive analytics accurately identify high-risk originators and fraudulent transactions.
Intelligence
Intuitive and customizable business intelligence enables continuous optimization of your risk management strategies.
Expertise
We are thought leaders, working with regulatory organizations including NACHA to ensure electronic payments remain safe, reliable, and convenient.
Our Commitment
We continuously invest in our software and support to ensure full regulatory compliance, comprehensive functionality, and unsurpassed user convenience.
Our Solutions
ACH Risk Manager ™ for Financial Institutions
We enable financial institutions of all sizes to seamlessly manage risk across all electronic payment channels. With ACH Risk Manager ™ banks and credit unions can capture, analyze, manage and report on originations and returns from a single interface, dramatically improving efficiency and productivity in your operations center.
ACH Processor ™ for Payment Processors
With Affirmative, you can capture your online, telephone, and in-person payments in a single, easy to use system. Using our API, you can easily integrate our payment capture engine directly into your existing platform. Settlement and payment reconciliation are a snap with our robust settlement and reporting engine.
Enterprise Grade Functionality
Set risk management controls at the originator level. Accurately limit exposure using built in pattern recognition and originator risk scoring.
Hold new credit transactions with the settlements module. Assign costs to all ACH activity with the billing module. Set alerts for unauthorized return rates using our BI module.
Automatically match returned transactions to originations. Create ACH files and reports for each third-party processor and originator.
Check incoming IAT transactions against OFAC lists from within the application leveraging a leader in regulatory compliance monitoring
