# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Check fraud protection

The check fraud protection API lets you retrieve check exceptions and submit pay, return, or adjust decisions from your systems. It supports faster decisions for Positive Pay and Reverse Positive Pay exceptions. Using the API helps reduce fraud losses and improve operational oversight.

- Positive Pay is available for U.S. and Canada accounts.

- Reverse Positive Pay is available only for U.S. accounts.

## Benefits

Modernize your check management by integrating the check fraud protection API. This can improve operational efficiency and accuracy for daily check processing.

- Exception review: Retrieve Positive Pay and Reverse Positive Pay exceptions by using the API. This supports immediate review and decision-making.

- Decision submission and confirmation: Submit pay, return, or adjust decisions by using the API. You receive an acknowledgment response to support audit trails.

- Image and data verification: Retrieve check images by check number. The API returns key fields, such as amount, serial number, and payee, so you can validate exceptions before you act.

- Operational transparency and reporting: Access approval workflows, activity logs, and decision history by using the API. This improves oversight, supports compliance, and helps with audit preparation.

## When to use check fraud protection services

Use check fraud protection services to reduce check-related fraud risk and strengthen controls over check issuance and clearing, especially if you:

### Review and act on check exceptions

Enhance security and minimize fraud losses by reviewing and acting on check exceptions. This service helps reduce fraud losses associated with check issuance.

## How the product works

The check fraud protection workflow supports daily check processing:

- Integrate by using the API: Send an API request from your system to retrieve exceptions or submit pay, return, or adjust decisions.

- Review decision endpoint: Returns exception details and images. It validates your decision against configured controls. It then sends an acknowledgment with status and timestamps.

- Reporting: You receive the confirmation and integrate the response into your system for action, audit reporting, and activity tracking.

## Next steps

Review the [check fraud protection](/docs/treasury/checks/capabilities/check-fraud-detection/parameters) parameters.​