The majority of banks prefer that you send the file to them by logging into the bank’s website and uploading the file directly to them. You will need to contact your bank to set up Positive Pay Service and acquire your login credentials.
With Bank Positive Pay Automation, using the Enterprise platform, with ACH Corporate or Advanced (Processor) levels, you can use the built-in SFTP client to automatically send the file to the bank. However, many banks do not support this method. The majority of banks prefer that you upload the file to them through their website.