{"id":240183,"date":"2020-12-04T18:47:01","date_gmt":"2020-12-04T13:17:01","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=240183"},"modified":"2020-12-04T18:53:20","modified_gmt":"2020-12-04T13:23:20","slug":"rbi-positive-pay-system-shall-be-implemented-from-january-01-2021-read-about-positive-pay-system","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2020\/12\/04\/rbi-positive-pay-system-shall-be-implemented-from-january-01-2021-read-about-positive-pay-system\/","title":{"rendered":"RBI | Positive Pay System shall be implemented from January 01, 2021: Read about Positive Pay System"},"content":{"rendered":"<blockquote>\n<h3 style=\"text-align: center;\"><span style=\"color: #008000;\">Positive Pay System for Cheque Truncation System (CTS)<\/span><\/h3>\n<\/blockquote>\n<p style=\"text-align: justify;\">The concept of Positive Pay involves a process of reconfirming key details of large value cheques. Under this process, the issuer of the cheque submits electronically, through channels like SMS, mobile app, internet banking, ATM, etc., certain minimum details of that cheque (like date, name of the beneficiary\/payee, amount, etc.) to the drawee bank, details of which are cross-checked with the presented cheque by CTS. Any discrepancy is flagged by CTS to the drawee bank and presenting bank, who would take redressal measures.<\/p>\n<p style=\"text-align: justify;\">National Payments Corporation of India (NPCI) shall develop the facility of Positive Pay in CTS and make it available to participant banks. Banks, in turn, shall enable it for all account holders issuing cheques for amounts of \u20b950,000 and above. While availing of this facility is at the discretion of the account holder, banks may consider making it mandatory in case of cheques for amounts of \u20b95,00,000 and above.<\/p>\n<p style=\"text-align: justify;\">Only those cheques which are compliant with the above instructions will be accepted under dispute resolution mechanism at the CTS grids. Member banks may implement similar arrangements for cheques cleared\/collected outside CTS as well.<\/p>\n<p style=\"text-align: justify;\">Banks are advised to create adequate awareness among their customers on features of Positive Pay System through SMS alerts, display in branches, ATMs as well as through their website and internet banking.<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #ff0000;\">Positive Pay System shall be implemented from January 01, 2021.<\/span><\/h3>\n<hr \/>\n<p><span style=\"color: #000000;\"><strong>Reserve Bank of India<\/strong><\/span><\/p>\n<p style=\"text-align: right;\"><span style=\"color: #000000;\"><strong>[Press Release dt. 25-09-2020]<\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under this process, the issuer of the cheque submits electronically, through channels like SMS, mobile app, internet banking, ATM, etc., certain minimum details of that cheque (like date, name of the beneficiary\/payee, amount, etc.) to the drawee bank, details of which are cross-checked with the presented cheque by CTS.<\/p>\n","protected":false},"author":8808,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1188,2],"tags":[11441,31784,44320,44319,2611],"class_list":["post-240183","post","type-post","status-publish","format-standard","hentry","category-hot_off_the_press","category-news","tag-banking","tag-cheques","tag-internet-banking","tag-positive-pay-system","tag-RBI"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI | Positive Pay System shall be implemented from January 01, 2021: Read about Positive Pay System | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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What is Cheque Truncation System (CTS)? Cheque Truncation System of Image-based Clearing System is for faster clearing of cheques. Cheque Truncation speeds up the process of collection of cheques resulting in better service to customers, reduces the\u2026","rel":"","context":"In &quot;Hot Off The Press&quot;","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":6445,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/01\/28\/only-drawee-bank-to-be-considered-in-cheque-bounce-offences\/","url_meta":{"origin":240183,"position":1},"title":"Only drawee bank to be considered in cheque bounce offences","author":"Sucheta","date":"January 28, 2015","format":false,"excerpt":"Bombay High Court: Dismissing a plea in a\u00a0 cheque bounce case, a bench comprising of S.B. Shukre, J held that only drawee bank's jurisdiction could be considered during criminal proceedings under Section 138 of Negotiable Instruments\u00a0 Act, 1881, even though the Real Time Gross Settlement (RTGS) system facility enabled the\u2026","rel":"","context":"In &quot;High Courts&quot;","block_context":{"text":"High Courts","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/highcourts\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2015\/10\/scc-blog_Page_9.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":256261,"url":"https:\/\/www.scconline.com\/blog\/post\/2021\/10\/29\/section-138-of-ni-act-security\/","url_meta":{"origin":240183,"position":2},"title":"Section 138 of NI Act| No hard and fast rule that a cheque issued as security can never be presented by drawee: Supreme Court\u00a0","author":"Prachi Bhardwaj","date":"October 29, 2021","format":false,"excerpt":"\u201cA cheque issued as security pursuant to a financial transaction cannot be considered as a worthless piece of paper under every circumstance.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2021\/02\/sc-2-7.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":259444,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/01\/03\/territorial-jurisdictional-constraints-of-cheque-bounce-cases\/","url_meta":{"origin":240183,"position":3},"title":"Territorial Jurisdictional Constraints of Cheque Bounce Cases","author":"Editor","date":"January 3, 2022","format":false,"excerpt":"by Baglekar Akash Kumar*","rel":"","context":"In &quot;Banking and Negotiable Instruments&quot;","block_context":{"text":"Banking and Negotiable Instruments","link":"https:\/\/www.scconline.com\/blog\/post\/category\/banking-and-negotiable-instruments\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/01\/MicrosoftTeams-image-141.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":7239,"url":"https:\/\/www.scconline.com\/blog\/post\/2015\/06\/17\/the-negotiable-instruments-amendment-ordinance-2015\/","url_meta":{"origin":240183,"position":4},"title":"The Negotiable Instruments (Amendment) Ordinance, 2015","author":"Sucheta","date":"June 17, 2015","format":false,"excerpt":"On 15.06.2015, the President of India promulgated the Negotiable Instruments (Amendment) Ordinance, 2015. 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It is necessary to also ascertain the specific branch of the bank in which he maintains the account to completely and unambiguously decide the said question\u201d.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"complaints for account payee cheque","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/11\/complaints-for-account-payee-cheque.webp?resize=700%2C400&ssl=1 2x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/240183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/8808"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=240183"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/240183\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=240183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=240183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=240183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}