Tools and services

Your business is important to you, your customers, and Banco Popular. It’s essential that you take preventive measures to protect it. Discover how you can make your business more secure.

Tools and services

Designed with strict control measures to protect your accounts and make managing your business easier:

  • Cards with chip technology: Our credit cards have a microchip that stores information for authorizing and processing transactions without the need for the traditional magnetic strip. This technology increases your security by preventing your information from being copied.
  • Positive Pay and Reverse Positive Pay1: These services allow you to exercise quick daily control over your payments by check. They also allow you to pre-authorize identify suspicious transactions before the funds are debited from your account.
  • Electronic Payment Authorization (EPA)2: Protect your commercial account from unauthorized or fraudulent electronic debits. This service allows you to pre-authorize your suppliers and/or the companies with which you have commercial relationships to electronically debit your account.
  • Commercial Images Portal3: Secure system that allows you to access at any moment images of paid and deposited checks as well as deposit slips by account, amount, check number and date.
  • Checkout Payment4: This is a robust, secure, and efficient system designed to provide your business with the ability to accept online payments. It even allows you to perform a daily reconciliation of the credit-card, check, and even Popular debit-card purchases made to your business via your website.

Some services entail charges. Call our Commercial Banking Center at 787-756-3939 for more information about our products, services, and the various Web Cash Manager℠ modules.5



Product offered by Banco Popular de Puerto Rico.

1For the Positive Pay service, a monthly fee of $40 per account and a tiered transaction fee (1 to 50 = $0.06 / 51 to 250 = $0.04 / 251 and up = $0.02) will apply. For Reverse Positive Pay, a monthly fee of $10 per account will apply along with a returned transaction fee of $15, regardless of the amount of the transaction. Positive Pay and Reverse Positive Pay are independent services that are mutually exclusive. However, you can choose the most convenient one for each account. The prices of these services vary for Corporate Banking customers.

2EPA entails an initial setup fee of $20 and a subsequent monthly fee of $20 per account. The acronym ACH ("Automated Clearing House") refers to the electronic transactions processed through the National Clearing House Association.

3The Commercial Images Portal Service entail fees. Paid checks are subject to availability of funds in the account. Deposits are subject to the provisions of the Bank’s Funds Availability Policy.

4Fees apply for Checkout Payment Systems and Point of Sale (POS) services.

5Web Cash Manager℠ consists of various modules that can be acquired based on the needs of your business. Each module entails different fees, which may vary based on the modules selected. For additional information on the costs, contact your relationship officer or our Business Banking Center at 787-756-3939 or 1-855-756-3939. This service is not available in countries that are subject to the U.S. Treasury Office of Foreign Assets Control (OFAC), commercial embargoes or economic sanctions programs.