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How to use Robo-FTP for Positive Pay
Many customers use Robo-FTP to automate uploading check data to their banks for Positive Pay. See Positive Pay with Robo-FTP for a brief introduction to Positive Pay.
There are two main steps involved in uploading check data:
Export Check Data
You will need to work with the vendor of your accounting software and your bank to determine how to export your daily check data in a file format that is acceptable to the bank.
Encrypt and Upload Data File
Robo-FTP can be configured to automatically encrypt (if required) and upload your daily check file to the bank. Here is a sample script that PGP encrypts and uploads a file to an FTP server: Encrypt and Upload Sample.
Robo-FTP offers a great deal of flexibility in choosing how this process is done. For example, your script can monitor the directory where you are exporting files and automatically process the file as soon as it appears. If you prefer, you can have the upload scheduled to run at a certain time every day.
See the Robo-FTP Help file included with the product for more details about the scheduling options.
Sample Scripts
We have created some sample scripts for connecting to specific banks (including Bank of America among others).
Contact our support team by email or phone to see if your bank is supported.
Hints
If your bank only requires a digital signature without encryption then use the PGPSIGN command in your script instead of PGPENCRYPT.
UPDATE: PGPSIGN has been deprecated in more recent versions of Robo-FTP (3.10 and later). While this command will still work, we recommend using the PGPENCRYPT command with the /sign option to sign a file.
PGP keys generated by Robo-FTP 3.9.7 and earlier contain a signing key that is one half the size of the encryption key. Therefore, if your bank requires a 2048 bit signing key you should generate a 4096 bit PGP key in the Configurator. Beginning with version 3.9.8 both keys are the same size with the notable exception that DSA does not support signing keys over 2048 bits.
If your bank can't read positive pay files uploaded by Robo-FTP, the bank may be using an old version of PGP that cannot process a PGP file in the modern format. Try adding the /compat flag to the PGPENCRYPT or PGPSIGN command to generate files using the old format.
Article last updated: 2022-01-05
Tags: Positive Pay, Chase