Cheque security

Fraud controls

Cheques are processed using Positive Pay controls, which means payment data is shared with the issuing bank before the cheque is presented for deposit. If a mismatch is detected, the bank may flag or reject the cheque for review.

Positive Pay validates cheques based on:

• Recipient name

• Cheque amount

Multifactor authentication for eChecks

You can optionally enable multifactor authentication (MFA) for each eCheck transaction, for batch file and API-initiated payments. When enabled, the recipient must verify their identity when prompted, before accessing the cheque.

Two verification methods are supported – SMS code and Passphrase.

SMS code

The recipient enters a code sent to their mobile number. You must provide a recipient phone number with each MFA-enabled eCheck transaction, in international E.164 format.

Passphrase

Configure the passphrase field with Vitesse before issuing eChecks. This configuration applies to each MFA-enabled eCheck transaction.

You define the value used as the passphrase. You need to securely communicate it to the recipient, before sending the cheque.

💡

To configure MFA in batch files, see Issuing cheques using batch files.
To configure MFA in the API, see Route types.