Electronic Payment Authorization (EPA)​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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Better fraud protection through advanced transaction control.

As usage of the Automated Clearing House (ACH) continues to grow, the need for increased security has never been greater. That’s why Comerica is committed to providing the fraud prevention services your organization needs to stay secure. Comerica Electronic Payment Authorization (EPA) and Comerica ACH Positive PaySM are each designed to give you peace of mind while conducting business as usual and making payments through the ACH.

Electronic Payment Authorization

Comerica EPA is a robust service that gives you better control of payment authorization and improves security against fraudulent activity, and it improves your negotiating position with business partners who know that only eligible ACH transactions will post. 

Features include

  • Define eligible ACH transactions presented to Comerica for payment or deposit prior to posting 
  • Transactions not matching your organization’s authorization instructions will be returned to the originator as an unauthorized transaction; they are never posted to your account
  • Control all ACH activity by designating transaction parameters​