Quick Reference Guide
Online Courier: Positive Pay File Mapping and Upload Service
The SunTrust Online Courier® Positive Pay File Mapping and Upload service allows you to convert and map your
company’s CSV, text or XML files into the SunTrust format. Once you have created your company’s map, you can
upload your company’s check issue files for use with the SunTrust Positive Pay or Controlled Payment
Reconciliation services through Online Courier. This functionality is accessed from the Secure File Transfer tab
within Online Courier.
The Positive Pay File Mapping and Upload service is “void” driven. This means that any record in your positive
pay file that is not designated as a void record will automatically default to an issue record. The service does not
support stop payments. Online Courier collects uploaded issue files at the following times each business day:
10:00 a.m., 11:30 a.m., 12:30 p.m., 1:30 p.m., 2:30 p.m., 3:30 p.m., 4:30 p.m., 5:30 p.m., 6:30 p.m. and 9:00
p.m. ET.
New Positive Pay file processing typically starts at the beginning of a month. Depending on when your Positive
Pay service is implemented, there may be a gap in time prior to the beginning of the next month.
Signing On
To Access Online Courier
Enter your Company ID, User ID, and Password. Click Sign On or Launch.
Note: Sign-on information is case-sensitive. If you enter your password incorrectly three times in a row, your
User ID will be locked. Contact your company administrator to unlock your User ID. If you are signing on for the
first time, the system will prompt you to enter and then re-enter a new password. Enter the information and
click the Sign On button.
Assigning Privileges
In order to map and upload Positive Pay files, the Online Courier Client Security Administrator needs to entitle
themselves to SFT Send privileges and any other applicable users to both SFT Administration and SFT Send
privileges. To begin, click the Administration tab, then select Administration from the drop-down menu. The
list of Users at your company appears.
1. Choose the user for whom you would like to assign Secure File Transfer (SFT) privileges, then click the
Actions button on the far right.
2. Select Services from the drop-down menu. The User Services page appears.
3. Click the SFT Administration checkbox to assign privileges to the user. This entitles the user to create the
positive pay file map(s).
4. Under Data Load Services, click the SFT Send checkbox to assign SFT privileges to that user. This entitles
the user to upload and send the positive pay files through Online Courier to SunTrust for processing. If the
same user is both creating the file map and uploading files for processing, then both the SFT Administration
and SFT Send boxes must be checked for that user.
5. Click the green Save button.
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Check the SFT administration box
Check the SFT Send box
Creating a New Positive Pay Map
Before creating a file map, you will need a sample check issue file which includes a void record. As a best
practice, SunTrust recommends using a CSV or text file, and including at least one void record. The file name
must use the following naming convention: COMPANYID_POSPAYFILE_MMDDYYYY.txt. For example, a text file
would be called 111111_POSPAYFILE_12242013.txt and it would look something like these:
Sample Test File
Sample Test File with Header and Foo
Header
Footer
To Create a New Map
1. To create a new Positive Pay map using your company’s CSV, text or XML file, click the Secure File Transfer
tab, then select SFT Send from the drop-down menu. The following page appears. The “File Mapper
Settings” refers to the actual test file uploading, validation, and testing of the initial file template or “map”
that your company will use to upload your check issue files for processing.
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Click Settings
2. Click the Settings button under File Mapper Settings. The SFT Send Settings page appears.
Create File Map
3. To create a new file map, click the Create File Map button. The Create File Map page appears.
Step 1 – Structure
1. Enter the name that you have selected to identify this particular map in the Mapper Name field.
Note that this is a required field, as denoted by the red asterisk.
in the Test File field, then navigate to the location where you have stored your
2. Click the search icon
sample check issue file. The file name will appear in the Test File box next to the Upload Test File button.
3. Click the Upload Test File
button. A confirmation message will appear at the top of the
page.
4. Place the character your file uses to separate each record in the What is your records field delimiter? field.
For example: a comma (,) for comma delimited (CSV) files.
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5. Click the Yes or No radio buttons for the following questions:
a. If there are blank lines in your file, should they be ignored?
b. Does your file contain headers or footers?
Note: if you select Yes, there will be additional required fields based on the layout of your file:
- Lines before header: zero or the count of lines before the header row(s)
- Lines of header: the count of the number of headers in the file. The number of blank rows before the
header can be included in this count if lines before header is set to zero
- Lines of footer: the count of the number of footer (trailer) records in the file
- Lines after footer: the total count of the record after the footer row(s)
6. Click the Go To Step 2 button.
Step 2 – Fields
Four fields are required for each map: Account Number, Check Number, Check Issue Date, and Check Amount.
The Account Number page appears first. The account number field is 13 digits; you do not need to add leading
zeros (0) if your account number is fewer than 13 digits. The Positive Pay File Mapping and Upload service
supports the use of multiple account numbers within one file, as long as the account numbers are always located
in the same mapped field of each check issue file.
1. From the Account Number page, select one of the following two options:
a. Choose Data is located in the file if the account number(s) are included in your Positive Pay file. A
sample line of your file will appear, divided into indexes by the commas. Select which field index
contains the account number, then enter the corresponding number in the Field Index box.
b. Choose Data is a constant value if the account number(s) are not included in the file. Enter the account
number in the Default Value field (mandatory).
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The Current Progress
section at the top of
each Create File Map
page will display in bold
the step you are on.
2. Click the Next Field button. The Check Number page appears.
3. From the Check Number page, select one of the following two options:
a. Choose Data is located in the file if the check serial number is included in your Positive Pay file. A
sample line of your file will appear, divided into indexes by the commas. Select which field index
contains the check number, then enter the corresponding number in the Field Index box.
b. Choose Data is a constant value, but is not located in the file if the check number is not included in
the file. Enter the check number in the Default Value field (mandatory).
4. Click the Next Field button. The Check Issue Date page appears.
5. From the Check Issue Date page, select one of the following two options:
a. Choose Data is located in the file if the check issue date is included in your Positive Pay file. A sample
line of your file will appear, divided into indexes by the commas. Select which field index contains the
Check Issue Date, then enter the corresponding number in the Field Index box. Then, from the Date
Format drop-down menu, select the format used in your file from the options provided. If none of the
provided options match your date format, select Custom, then enter your custom date format.
b. Choose Data is a constant value, but is not located in the file if the check issue date is not included in
the file. Enter the check issue date in the Default Value field (mandatory), or select one of the systemdefined options.
Note: If your company uses the SunTrust Payee Name Verification feature with your Positive Pay service, you
will need to include the Check Issue Date field in your file map.
6. Click the Next Field button. The Check Amount page appears.
7. From the Check Amount page, select one of the following two options:
a. Choose Data is located in the file if the check amount is included in your Positive Pay file. A sample line
of your file will appear, divided into indexes by the commas. Select which field index contains the check
amount, then enter the corresponding number in the Field Index box. If your check amount includes
cents and your file does not already include the decimal points, place a check in the Two decimal places
implied? box.
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b. Choose Data is a constant value, but is not located in the file if the check amount is not included in
the file. Enter the amount in the Default Value field (mandatory). This field is an 11 digit numeric field
which needs to match the formatting in your file. Even for round numbers, the cents amount should be
included along with a decimal. As an example, $360.00 would display as 36000 if the decimal is not
included.
8. Click the Next Field button. The Additional Data page appears. The Additional Data page and the Issue
Payee 1 and Issue Payee 2 pages allow for additional optional information to be included in the file beyond
the required map information you have already entered.
Note: If your company uses the SunTrust Payee Name Verification feature with your Positive Pay service, you
will need to include the Issue Payee field(s) in your file map. Each of the Issue Payee name text fields is 40
characters long.
9. If you choose to map these optional fields into your file, select one of the following three options for each of
the fields you choose to include – OR – to progress through the optional file map fields, click the Next Field
button:
a. Choose Data is located in the file if the data is included in your Positive Pay file. A sample line of your
file will appear, divided into indexes by the commas. Select which field index contains the additional
data, then enter the corresponding number in the Field Index box. When you are finished, click the Next
Field button.
b. Choose Data is a constant value, but is not located in the file if the data is not included in the file.
Enter the data in the Default Value field (mandatory). When you are finished, click the Next Field
button.
c. Choose Not Specified if you do not wish to include this information in your file map. When you are
finished, click the Next Field button.
10. Click Void Indicator on the left side of the page. The Void Indicator page appears.
11. From the Void Indicator page, select one of the following three options:
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a. Choose Data is located in the file if a void record is included in your Positive Pay file. A sample line of
your file will appear, divided into indexes by the commas. Select which field index contains the void
indicator, then enter the corresponding number in the Field Index box.
b. Choose Data is a constant value, but is not located in the file if the data is not included in the file.
Enter the data in the Default Value field (mandatory). When you are finished, click the Go to Step 3
button.
c. Choose Not Specified if you do not wish to include this information in your file map. When you are
finished, click the Go to Step 3 button.
12. Place a “V” in the Match value box.
Note: As a best practice, SunTrust recommends mapping the Void Indicator field with a “V”, which indicates
a void record. This text field is one character. Any value other than the character identified by your
company as a void will automatically default to an issue record.
Enter character which
indicates Void in your
issue file
Match equals box
should only be checked
if field matches exactly
13. Click the Go To Step 3 button.
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Step 3 – Validation
1. If your file has no header/footer, then the Validation step will not apply. Click the Go To Step 4 button.
2. If your file does have a header/footer, you will need to fill out additional data on three subsequent pages,
clicking Next Field when you are done with each.
3. Once the validation is successful, click the Go To Step 4 button.
Step 4 - Review
1. Review and verify that the Record Data information is complete.
Click Save
2. If the data is correct, click the green Save button. You will be returned to the SFT Send Settings home page,
and the new file map will appear in the list of saved maps.
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Secure File Transfer - Upload and Send Your Positive Pay Files for Processing
Upon initial setup of the Positive Pay File Mapping and Upload service, you will need to receive confirmation
from SunTrust that your Positive Pay service is ready to receive your issue files. After you have received that
confirmation and you have created an Upload map per the previous instructions, follow the steps below.
1. Click the SFT link at the upper right.
2. Select Upload File.
3. Click the Search icon in the Select File field.
4. Navigate to the appropriate positive pay file that is saved on your computer, then click Upload File.
5. If the file upload is successful, the following page will appear:
It is a best practice to
always retain and save
your own copy of your
issue file prior to
uploading it into Online
Courier, because once
uploaded, the file will
not be available within
Online Courier.
Once files are successfully uploaded, Online Courier will pick up the file(s) during the next batch upload time
and submit the files for processing. The following Positive Pay Issue File Batch Report will be sent as an
encrypted PDF attachment by email to the person who uploaded the file(s). The “subscription” to the Positive
Pay Issue File Batch Report is an automatic entitlement that comes with the Positive Pay File Mapping
and Upload service.
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Signing Off
To Sign Off
Click Sign Off to end your session. The system confirms that you have successfully signed off.
Getting Help
Click the Help link at the top right of any page.
If your User ID or Password becomes disabled,
contact your company security administrator (CSA)
about resetting your User ID and Password.
For all your other service needs, please call your
Treasury Management Client Services Specialist at
866.448.6392. Representatives are available from
8:00 a.m. - 6:00 p.m. ET Monday through Friday on
bank business days.
If you need technical assistance, please contact
SunTrust Treasury Management Technical Services at
877.785.6925. Representatives are available from
8:00 a.m. - 6:00 p.m. ET Monday through Friday on
bank business days.
SunTrust Bank, Member FDIC ©2016 SunTrust Banks, Inc. SunTrust is a federally registered service mark of SunTrust Banks, Inc.
STB T&PS OLC Rev. 11/16
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