Payment technology is the competitive edge being utilized by banks to attract, acquire and retain valuable business customers.
 
Law firms handling real estate closings, insurance companies, health care organizations and automotive businesses frequently manage time-sensitive, high-volume payments. Yet many still rely on tedious manual payment processes that can slow approvals, increase administrative work and require unnecessary trips to bank branches.
 
APSecure from AP Technology provides banks with a more modern approach: configurable workflow automation software combined with secure, automated payment issuance. APSecure is an enterprise-grade, multi-payment issuance solution that automates and improves payments including official checks, and digital payment disbursements. Its configurable workflow automation helps financial institutions streamline payment processes while adding controls, approvals and greater visibility.
 
APSecure is designed to integrate with existing banking and accounting systems, so banks can offer business customers faster, more efficient payment capabilities while reducing dependence on outdated, manual processes.
 
One of APSecure's most valuable capabilities for banks is Remote Official Check Printing (ROC). This remote payment technology enables authorized business customers to securely print official or cashier's checks at remote locations. That can be particularly valuable for law firms handling real estate closings, where an official check may be needed quickly to complete a time-sensitive transaction. Fewer trips to the bank mean faster closings and greater convenience.
 
The opportunity for acquiring and increasing deposits from business customers extends beyond real estate law firms. Insurance companies managing claims and disbursements, health care organizations processing large payment volumes, and automotive businesses handling multi-departmental transactions can all benefit from faster, automated payment issuance.
 
APSecure capabilities can help banks extend services to targeted business customers located beyond traditional branch footprints. Banks and financial institutions are already using APSecure throughout the U.S. and Canada for secure, on-demand payment issuance from one platform. With configurable workflow automation, Remote Official Check Printing and multi-payment capabilities, APSecure gives banks a payment solution designed for today's payment requirements, while providing flexibility as customer needs evolve and grow.
 
How can banks leverage modernized remote payment technologies to win and retain more business customers while increasing deposits? APSecure from AP Technology is making this happen, today.
 
Schedule an APSecure Demo
Discover how APSecure can help your bank modernize payment issuance, automate workflows and extend valuable payment services to business customers.
​
Email Sales@APTechnology.com or visit the APSecure Payment Issuance page to schedule a demonstration.
 

Banks and financial institutions are continually looking for better ways to attract, acquire, and retain business customers, while also increasing deposits from these customers. One increasingly powerful strategy is extending secure payment services beyond traditional branch locations.

For banks targeting real estate offices, law firms, title companies, escrow operations and other payment-intensive businesses, Remote Official Check (ROC) Printing can be a powerful magnet.

Bring the Bank to the Business Customer

Remote Official Check Printing enables authorized business customers to securely issue official checks on demand from approved remote locations. Instead of traveling to a bank branch when an official check is needed, businesses can complete the payment process from their own location.

For a real estate office or law firm managing a time-sensitive closing, that convenience can make a significant difference. Fewer trips to the bank can mean faster transactions, greater productivity and better service for clients.

Remote payment technology can help banks and financial institutions extend their services into geographic markets where they do not have physical branches. That creates an opportunity to pursue targeted business customers—and their deposits—without the expense of constructing and operating additional locations.

AP Technology offers APSecure, an enterprise-grade, multi-payment issuance solution used by banks, financial institutions and businesses throughout the United States and in Canada. APSecure combines Remote Official Check Printing with modernized payment issuance and advanced workflow automation. Banks can provide business customers with a better way to secure, configure and automate payment workflows while maintaining the controls required for high-value disbursements.

APSecure’s multi-payment capabilities support official checks, ACH, wire transfers, card payments and other electronic payment methods, giving financial institutions a platform capable of supporting today’s payment requirements, while adapting to tomorrow’s.

APSecure also integrates with core banking, accounting and enterprise systems, helping financial institutions modernize existing payment processes without unnecessarily disrupting the systems their organizations and customers already use.

For banks competing to attract commercial deposits, technology has become a deposit-growth strategy.

Imagine approaching a law firm or real estate business in a market where your bank has no nearby branch and offering secure, on-demand Remote Official Check Printing. Instead of asking the customer to come to the bank, the bank brings an important payment service directly to the customer.

That is more than convenience. It can become a compelling customer-acquisition and retention strategy. Remote Official Check Printing can be the magnet that attracts new business customers, while also better serving existing ones. That’s retention. APSecure provides the payment platform behind it.

APSecure is another innovative payment solution from AP Technology, the business payment pioneers helping banks and businesses automate, secure and modernize payment issuance since 1989.

See APSecure in Action. Discover how Remote Official Check Printing, configurable workflow automation and multi-payment issuance can help your financial institution attract valuable business customers and expand deposit opportunities. Schedule an APSecure demonstration today.

Visit APTechnology.com or email Sales@APTechnology.com.

According to the Federal Reserve, approximately 9.2 billion check payments totaling $24.45 trillion were made in 2024. The average value of a check payment reached $2,653, nearly three times its average value in 2000. Meanwhile, checks continue to not only be relevant, but fundamental to business payment issuance.

The 2026 AFP Digital Payments Survey found that 87% of organizations still utilize checks.

Checks can give businesses valuable control over payment timing and cash flow. Yet, traditional manual check processes can also sometimes create inefficiencies. Modern payment technology combines the familiarity and control of checks with automated workflows, electronic approvals, security controls and remote issuance.

That's where APSecure from AP Technology comes in.

APSecure is a highly configurable, enterprise payment issuance solution designed for banks, credit unions and businesses with demanding payment requirements. It integrates with core banking systems and existing accounting platforms while automating payment processes such as workflows that can be configured to organizational preferences.

And APSecure isn't limited to checks.

APSecure provides multi-payment issuance, supporting Remote Official Checks, ACH, and more. Organizations can use the payment method appropriate for each transaction while managing issuance through a modern, scalable platform.

One of APSecure's most powerful capabilities is Remote Official Check Printing. Banks can securely extend official check issuance to authorized customer locations, even in markets where the financial institution has no physical branch.

Business customers such as law firms and real estate organizations can issue authorized official checks on demand instead of making unnecessary trips to a bank branch. That can mean faster transactions and faster deal closings.
​
For financial institutions, the opportunity extends beyond operational efficiency. Remote banking capabilities can help a bank compete for commercial relationships outside its traditional branch footprint, providing another tool for attracting business customers and the deposits that accompany those relationships.

​Banks and businesses still relying on antiquated or discontinued payment issuance technology such as Secure32 have an opportunity to do more than replace an aging system.

APSecure provides a modern Secure32 replacement with configurable workflows, Remote Official Check Printing, multiple payment options, core-system integration and advanced security capabilities—all designed to scale as payment requirements evolve.

APSecure is used by banks and financial institutions throughout the U.S. and in Canada. Schedule an APSecure demonstration with AP Technology: Visit: https://www.aptechnology.com/apsecure-check-issuance-for-banks-and-businesses.html. Email: Sales@APTechnology.com

Banks are constantly looking for ways to attract and retain business customers, while increasing deposits. Businesses want banking relationships that make it easier and more efficient to operate. They want faster access to payments, fewer manual processes, greater control and the ability to conduct critical transactions without making unnecessary trips to a branch. 

For banks, the strategy can be as simple as bringing the bank to business customer. Make modern payment technology a deposit-growth strategy. Remote Official Check (ROC) Printing is in use throughout the U.S. and Canada. 

Many organizations still require official or cashier’s checks for time-sensitive transactions. Real estate firms, law offices, automotive businesses, insurance companies and other organizations may need immediate access to guaranteed funds. 

Traditionally, obtaining an official check could require someone to visit a bank branch. ROC changes that experience by allowing authorized customers to securely print official bank checks from approved remote locations. The customer gains speed and convenience. The bank gains something equally valuable: an opportunity to provide an important service that can strengthen the overall banking relationship.

Even more significantly, remote payment technology can help banks pursue customers beyond their traditional branch footprint. A bank does not necessarily need a branch on every corner to provide valuable payment services to businesses in targeted markets. 

Automation improves tedious manual approvals, repetitive data entry, physical signatures and disconnected processes that can create delays and unnecessary administrative work. Configurable workflow automation can improve security with controlled processes that route payments to the appropriate people for review, approval, and disbursement. That can mean fewer manual touchpoints, faster payment issuance, greater visibility and stronger operational controls. 

Combine workflow automation with ROC and other payment options, and banks can offer business customers a better way to manage and issue their payments. Business customers have choices about where they maintain their operating funds. Banks that provide technology that becomes part of a customer’s daily financial operations have an opportunity to create deeper, more durable relationships. That makes payment modernization a compelling strategy for deposit growth. 

AP Technology’s APSecure helps banks modernize payment issuance with Remote Official Check Printing, configurable workflows and multi-payment capabilities. Banks can extend valuable payment services to targeted industries while giving customers greater flexibility over how, where and when payments are issued. 

Modern payment technology can create a powerful cycle: better payment services attract business customers; better customer experiences strengthen relationships; and stronger relationships can create opportunities for increased deposits and additional banking services. 

For banks competing for commercial deposits, the next deposit-growth strategy won’t begin with another branch. It will begin with a better way to pay. 

To learn how AP Technology can help your bank grow deposits, expand into new markets, and modernize payment services for business customers, email Sales@APTechnology.com or visit APTechnology.com. 

Banks and financial institutions are increasingly involved with payment modernization for their business customers. Modernizing is no longer simply about replacing paper with electronic payments, it’s about giving business customers the right payment method for each transaction—while improving security, accelerating disbursements and eliminating unnecessary manual processes. Checks remain an important part of that strategy.
 
According to the Association for Financial Professionals’ 2026 Payments Fraud and Control Survey, 68% of companies use checks for vendor payments because vendors require them—a 16% increase from 2024. Moreover, 72% of organizations expect to continue using checks for the foreseeable future.
​
Those numbers make a compelling case not for modernizing how they are issued.
 
Modernized Checks Without the Branch Visit
Remote Official Check (ROC) printing transforms a traditional bank payment into an on-demand payment issuance service. With AP Technology’s APSecure, authorized business customers can securely approve and print official checks remotely, eliminating trips to bank branches while accelerating time-sensitive payments. APSecure is specifically designed to extend bank services beyond physical branches and eliminate reliance on couriers and overnight delivery.
 
For banks, Remote Official Check Printing can be especially valuable when targeting businesses that frequently require immediate, secure disbursements—including real estate firms, law firms, title and escrow operations, insurance companies, automotive businesses and other payment-intensive organizations.
That creates an opportunity to attract new commercial relationships and deposits without building additional branches.
 
Automation Adds Speed, Security—and Control
Modernization also means eliminating repetitive manual processes. APSecure’s configurable workflow automation can automate approval chains, signatures and payment-release processes, helping organizations accelerate secure disbursements while maintaining structured controls.
 
Security is particularly important. AFP reports that 76% of organizations experienced attempted or actual payment fraud in 2025. Checks were the payment method most frequently impacted, but ACH debits and wire transfers were also targeted—reinforcing that fraud protection must extend across payment types.
 
APSecure addresses the broader payment environment with bank-level safeguards, authentication and encryption, centralized user management and SSO authentication. It combines ROC printing with checks, ACH, wires, cards and digital payments in one platform. Additional capabilities include mobile approvals, cloud scalability, accounting and ERP integration, API-driven core banking integration, attachments and reporting, and advanced processing queues for higher transaction volumes.
 
For financial institutions seeking to expand commercial services and pursue new deposit opportunities, APSecure can turn payment technology into a customer-acquisition tool.
 
For more information on APSecure, email AP Technology here: Sales@APTechnology.com, or by visiting APSecure from AP Technology.
 

Is your organization relying on a discontinued or aging payment issuance system? Speed, security, and efficiency are just three reasons to modernize.
 
If your bank is still using the discontinued Secure32 platform, or if your business is till using the discontinued Create-A-Check system, help is here. Upgrading doesn't have to mean disrupting your existing operations.

AP Technology has helped banks and businesses throughout the United States and Canada replace outdated payment issuance systems with modern, secure solutions that integrate with existing workflows while minimizing disruption during implementation.
 
Whether you are replacing legacy software or simply looking to modernize payment operations, AP Technology provides scalable payment automation designed for today's business environment, and for tomorrow’s, too. Modern payment issuance needs to deliver more than check printing. It should improve efficiency, strengthen security, reduce manual processing, and support the payment methods your customers and business users expect.
 
Reasons to let AP Technology modernize your payment issuance system:

• Works with your existing accounting system
• Supports multiple payment types including Remote Official Check Printing
• Automates tedious manual payment processes, including workflows
• Improves payment issuance security
 
For banks, Remote Official Check Printing has become an increasingly valuable service for business customers. Instead of requiring customers to visit a branch to obtain official checks, authorized users can quickly and securely issue official checks on demand from approved remote locations. The result is faster transactions, improved customer convenience, enhanced security, and a stronger competitive advantage for financial institutions serving commercial clients.
 
For businesses, replacing obsolete payment software creates opportunities to automate approval workflows, reduce manual errors, strengthen fraud protection, improve audit controls, and accelerate payment processing without requiring a complete overhaul of existing systems.
 
Organizations across banking, real estate, legal, insurance, government, manufacturing, nonprofit, and many other industries are modernizing payment operations to reduce costs while improving the payment experience for employees, customers, and vendors. Now is an excellent time to replace your payment system. AP Technology has been helping organizations modernize payment issuance for decades, delivering secure, flexible payment solutions that grow alongside your business while protecting the investments you've already made.
 
To replace Secure32, Create-A-Check, or another legacy payment system, AP Technology can help you with minimal disruption.

Simply email AP Technology at Sales@APTechnology.com, visit https://www.aptechnology.com/replacesecure-32.html, or call 800-652-2877 ext. 1.

Businesses throughout the United States and Canada are utilizing a faster, more secure way to issue payments while reducing manual check signing. ezSigner Direct securely adds authorized digital signatures and graphics, such as logos, to business checks and documents as they are printed, in one pass through the printer. And with ezSigner’s free 30-day trial, businesses can have a faster, more secure payment process in just minutes.
 
Modernizing payment processes does not always require replacing an entire payment system. Sometimes, one simple improvement can eliminate time-consuming manual tasks, strengthen security, and create a more professional payment experience. That is exactly what ezSigner Direct from AP Technology delivers.
 
Traditional check-signing methods often involve messy signature stamps, outdated check-signing machines, manually chasing down authorized signers, or sending checks and documents through the printer multiple times. These extra steps slow payment processing, create operational bottlenecks, and increase opportunities for errors. ezSigner Direct eliminates those frustrations by securely applying digital signatures and graphics during the original print process, helping organizations modernize payment operations quickly and efficiently.
 
Security is equally important as speed and efficiency. ezSigner Direct protects authorized signatures and graphics with encrypted, password-protected overlays while maintaining an Event Log that tracks printing activity. Organizations can also utilize features such as security watermarks, Time-Date-User Stamps, and System Audit capabilities that improve visibility, accountability, and control throughout the payment process.
 
The ezSigner check writing software makes branding simple. Companies can easily incorporate professional logos and graphics onto checks and documents, creating a polished appearance while maintaining secure control over authorized images. Businesses can import their own graphics or work with AP Technology's graphics specialists to optimize them for production use. Whether adding one signature or multiple authorized signatures, ezSigner Direct integrates seamlessly into existing payment workflows without requiring additional hardware or complicated implementation.
 
For nearly 40 years, AP Technology has been a pioneer in payment issuance solutions for banks and businesses throughout the United States and Canada. Its innovative technologies help organizations modernize payment processing by increasing efficiency, improving security, and eliminating unnecessary manual work. ezSigner Direct is another example of how AP Technology delivers practical solutions that simplify everyday payment operations while helping organizations project a more professional image.
 
Now is the ideal time to modernize your payment process. Take advantage of the free 30-day trial of ezSigner Direct and experience firsthand how quickly your payment processes can become faster, more secure, and easier to manage.
 
Modernize your payment processes, today. email Sales@APTechnology.com or visit AP Technology's ezSigner Direct page to request your free 30-day ezSigner Direct trial. Discover how easy it is to securely add digital signatures, logos, and graphics to your business checks and documents, in one simple pass through the printer.

​It’s a shame that some organizations still depend on manual workflows that require multiple approvals, physical signatures, paper checks, and repetitive data entry. Time is money. And there is a better way to pay. Outdated processes create:
 

• Increased fraud exposure
• Slower payment approvals
• Higher operational costs
• Human errors and duplicate payments
• Limited visibility into payment status
• Delayed customer transactions

 
In contrast, modern payment automation results in improved productivity, strengthened fraud protection, better customer experiences, and increased time for revenue-generating activities. Modernizing payment issuance doesn't require replacing everything you've built. It requires choosing the right technology partner. For nearly 40 years, AP Technology has helped banks, credit unions, government agencies, and businesses modernize payment operations with secure, configurable payment software that can grow with you.
 
Modern workflow automation replaces manual tasks with intelligent, configurable approval processes that move payments quickly while maintaining strong internal controls. AP Technology's APSecure® platform enables organizations to automate payment issuance for multiple payment types while providing complete visibility throughout the payment lifecycle. Approvals, signatures, permissions, audit trails, and fraud controls are integrated into a single secure platform.
 
One of the most powerful innovations for banks and their business customers is Remote Official Check Printing. Instead of requiring customers to visit a bank branch to obtain official checks, authorized users can securely print official bank checks from approved remote locations. This capability accelerates real estate closings, insurance settlements, legal disbursements, government payments, and numerous other business transactions. For banks, Remote Official Check Printing creates new opportunities to attract commercial customers, strengthen relationships, and grow deposits while expanding services beyond physical branch locations.
 
AP Technology believes that payment automation should never come at the expense of security, which is why their payment solutions have fraud prevention built-in, utilizing configurable permissions, encrypted communications, approval workflows, audit trails, event logging, Positive Pay integration, and multiple layers of payment security designed to help protect organizations from sophisticated fraud threats. Organizations gain greater control while reducing risk.
 
For nearly four decades, AP Technology has helped banks and businesses modernize payment issuance with scalable, configurable solutions that improve efficiency, reduce costs, and enhance security. To replace outdated manual payment processes with intelligent workflow automation, modern payment issuance, and Remote Official Check Printing, AP Technology offers proven solutions that are trusted throughout the United States and Canada.
 
Learn more about APSecure and AP Technology's payment automation solutions. Email Sales@APTechnology.com or visit https://www.APTechnology.com.

Across the United States and Canada, banks, credit unions, and businesses are discovering that aging or discontinued payment platforms are limiting efficiency, increasing security risks, and making it harder to meet today’s expectations for fast, flexible payment processing. If your organization is still relying on an obsolete payment platform, now is the ideal time to modernize. 

For banks replacing discontinued Secure32 systems, or businesses searching for a modern replacement for legacy solutions such as Create-A-Check, AP Technology provides a proven migration path with minimal disruption to daily operations. Its payment solutions are designed to integrate with existing environments while adding automation, security, and scalability. 

For nearly four decades, AP Technology has helped financial institutions and businesses modernize payment issuance. Today, organizations throughout the U.S. and Canada rely on AP Technology to securely process more than $140 billion in business payments annually using its suite of payment automation solutions. 

At the center of that innovation is APSecure, an enterprise payment issuance platform that supports multiple payment types, including: 

• Check payments
  
• ACH
  
• Wire transfers
  
• Card payments
  
• On-demand Remote Official Check Printing 

Unlike legacy payment systems, APSecure combines configurable workflow automation with advanced security controls, allowing organizations to automate manual approval processes, reduce errors, strengthen compliance, and improve payment speed. 

For financial institutions, modernization goes beyond replacing software. APSecure enables banks and credit unions to extend services such as Remote Official Check Printing to business customers, allowing secure official bank checks to be printed on demand from approved remote locations. The results are faster real estate closings (as one example), fewer trips to bank branches, greater convenience, and stronger customer relationships. Remote official check printing also creates new opportunities to attract business customers, grow deposits, and compete beyond traditional branch footprints. 

Whether you’re replacing Secure32, Create-A-Check, or another aging payment platform, modernization should improve your business—not interrupt it. AP Technology’s implementation specialists work with organizations to simplify migration, preserve existing processes where appropriate, integrate with accounting and core systems, and introduce powerful workflow automation that prepares businesses for the future of payments. 

If your payment system is approaching end-of-life, don’t wait until support disappears or security risks increase. Modernize with a trusted payment technology partner that has been helping banks, credit unions, and businesses improve payment efficiency, automation, and security since 1989.

Contact AP Technology today at Sales@APTechnology.com, or learn more by visiting https://www.aptechnology.com/replacesecure-32.html. 

Banks today face growing pressure to attract and retain business customers in highly competitive industries such as real estate, government, insurance, and property management. At the same time, business customers are actively searching for ways to modernize payment processing, automate workflows, and reduce operational inefficiencies. Increasingly, they are turning to their banks for solutions. This shift is creating a powerful opportunity for banks.
 
Business customers, especially real estate offices, are under constant pressure to move faster. Closing delays, manual payment approvals, and repeated trips to branch locations can slow transactions, increase security risks, and frustrate clients. That’s why modernized payment processing solutions such as Remote Official Check Printing are becoming essential.
 
Remote Official Check Printing allows authorized business users to securely print official bank checks on-demand from approved remote locations, without needing to visit a bank branch. This technology is rapidly gaining momentum, particularly across East Coast real estate markets where speed and convenience are critical to closing transactions.
 
For real estate professionals, the benefits of modernizing payment processes are immediate. Transactions are more secure and close faster. Payment bottlenecks are reduced. Productivity increases. Staff can issue official bank checks securely from their office, title company, or other approved locations, improving customer service while reducing unnecessary branch visits.
 
For banks, the value is perhaps more impactful. Remote Official Check Printing is more than a payment technology—it is a business growth strategy. By extending secure payment capabilities beyond the branch, banks can attract new business customers, retain existing relationships, and increase deposits from targeted industries. Geography is no longer a limitation. Banks can now provide valuable payment services to business customers wherever they operate.
 
Providing multi-payment options and remote payment technologies that includes Remote Official Check Printing is especially important as businesses seek automated payment solutions and automated workflow software that integrate with their accounting systems and banking relationships. They want faster approvals, better audit trails, stronger fraud controls, and flexible payment options. They want fewer manual processes and greater visibility into payment activity. That’s where AP Technology delivers.
 
For nearly 40 years, AP Technology has been a trusted provider of secure business payment solutions for banks, credit unions, and enterprises. Its APSecure platform helps financial institutions modernize business payments through secure check issuance, automated workflows, positive pay automation, and multi-payment processing.
 
APSecure enables banks to offer Remote Official Check Printing to modernize real estate closing payments, while also including other high-value payment services that businesses increasingly demand. Already utilized by banks and credit unions throughout the U.S. and Canada, APSecure helps financial institutions compete more effectively while helping business customers automate and secure their payment operations.
 
As business payments continue to evolve, the banks that embrace modernized payment technology will be the ones best positioned to grow with their customers.
 
To learn how AP Technology and APSecure can help your bank modernize payment processing, attract business deposits, and expand payment services, contact AP Technology at Sales@APTechnology.com, call 800-652-2877 ext. 1, or visit APTechnology.com. 

​For banks focused on growth, attracting and retaining commercial deposits has become more competitive than ever. Today’s business customers—especially in industries like real estate, insurance, automotive, and non-profits—are looking for more than traditional banking services. They want speed, automation, flexibility, and secure payment capabilities that align with how they operate. This shift presents a major opportunity for banks.
 
By offering modern payment technologies, banks can position themselves more effectively as strategic partners to business customers while creating stronger deposit relationships. The key is understanding what business customers need and delivering payment solutions that improve their daily operations.
 
For many businesses, outdated payment systems create unnecessary delays, increase fraud risk, and drain productivity. Manual workflows, multiple approval bottlenecks, and repeated trips to bank branches can slow business down—especially when fast-moving transactions are involved.
 
This is particularly true in sectors like real estate, where closings often depend on immediate access to official bank checks. Remote Official Check Printing has emerged as a powerful solution, allowing authorized business users to securely print on-demand official checks from designated remote locations. This technology is already being used by banks nationwide, with especially strong adoption across East Coast markets.
 
For banks, this capability extends far beyond convenience. Remote payment technologies enable banks to expand services into new geographic markets without the need for physical branch expansion. That means banks can attract business customers in targeted industries—even in regions where they have no branch presence—while creating new deposit opportunities and strengthening treasury relationships.
 
At the same time, business customers are seeking payment workflow automation to eliminate inefficiencies, improve controls, and accelerate payment issuance. Modern payment systems with configurable workflows allow businesses to automate approvals, reduce manual touchpoints, improve compliance, and issue on-demand payments faster. This is where AP Technology stands apart as a trusted payment resource.
 
For nearly 40 years, AP Technology has been a pioneer in business payment solutions for banks and enterprises across the U.S. and Canada. Solutions such as APSecure help banks modernize payment operations while supporting business customers with multi-payment capabilities—including checks, ACH, wires, and digital payment options.
 
This flexibility allows banks to support customers as they transition from modernized check payments into broader digital payment strategies. Just as important, AP Technology solutions integrate with existing accounting platforms and bank core systems, eliminating the need for disruptive system replacements. For financial institutions still relying on discontinued platforms including Secure32, AP Technology provides a clear modernization path. And for businesses dependent on obsolete systems such as Create-A-Check, AP Technology offers secure, scalable replacements.
 
The future of business banking belongs to institutions that can deliver speed, security, and convenience—wherever their customers operate.

To learn how AP Technology can help your bank grow deposits, expand into new markets, and modernize payment services for business customers, email Sales@APTechnology.com or visit www.APTechnology.com.

For banks competing to attract and retain valuable business customers, payment services have become a strategic differentiator. Today's businesses expect speed, security, flexibility, and the ability to conduct transactions from virtually anywhere. Financial institutions that modernize payment processes are positioning themselves to win new relationships while increasing deposits and customer loyalty. 
 
One of the most significant advancements is the adoption of Remote Official Check Printing, a secure payment technology that enables authorized business customers to issue official bank checks from approved remote locations rather than relying solely on traditional branch visits. For industries where timing is critical—such as commercial and residential real estate—this capability can dramatically improve operational efficiency. 
 
Imagine a real estate office preparing to close a transaction. Instead of coordinating schedules around branch hours or sending personnel to obtain official checks, authorized users can securely generate official bank checks from designated locations while maintaining the controls and compliance expected by their financial institution. Transactions move faster, delays are reduced, and customers receive a better overall banking experience. 
 
This modernization is particularly evident throughout key East Coast markets, including the highly competitive New York City real estate environment, where speed and responsiveness can directly impact successful closings. Banks that provide remote payment capabilities are extending their services beyond the physical branch, allowing them to support business customers across broader geographic areas while delivering the convenience today's marketplace demands. 
 
The opportunity extends well beyond real estate. Law firms, title companies, insurance organizations, property management firms, and other payment-intensive businesses all benefit from secure, on-demand payment issuance combined with automated workflows and centralized controls. These organizations want a payment platform that integrates with existing accounting and banking systems while improving security and operational efficiency. 
 
That is why payment automation has become an essential growth strategy for financial institutions. Modern payment platforms help reduce manual processes, strengthen internal controls, enhance audit capabilities, and support multiple payment methods while maintaining compliance and security standards. 
 
APSecure from AP Technology was designed with these objectives in mind. It enables banks and their business customers to modernize payment issuance through secure workflows, on-demand payment capabilities, and technologies such as Remote Official Check Printing. The result is a flexible, multi-payment capable environment that helps organizations accelerate transactions while maintaining the high levels of security and control expected in today's financial landscape. 
 
For nearly four decades, AP Technology has helped banks and businesses modernize payment operations with innovative payment issuance solutions that work alongside existing systems while supporting future growth. As competition for business customers continues to intensify, investing in secure payment technology is not just an operational improvement—it is now a competitive advantage. 
 
To learn how APSecure and AP Technology can help your bank or business deliver faster, more secure on-demand payments, contact Sales@APTechnology.com or visit APTechnology.com. 

Banks and businesses are entering a new era of payment automation, where speed, security, flexibility, and convenience are becoming essential competitive advantages. Financial institutions that modernize payment issuance processes today are positioning themselves to better attract, retain, and grow valuable business relationships for years to come.
 
For nearly 40 years, AP Technology has helped banks and businesses modernize payment issuance with secure, automated payment software solutions that work with existing accounting systems and integrate with core banking systems. As outdated and discontinued platforms such as Secure32 and Create-A-Check continue to disappear from the marketplace, now is the ideal time for organizations to replace legacy payment environments with modern, scalable technologies.
 
Payment automation isn’t just about reducing paperwork. Today’s advanced payment issuance solutions automate workflows, improve operational efficiency, strengthen security, and help organizations process payments faster with fewer manual steps. Automated approval workflows, configurable release processes, centralized user management, and secure audit trails are helping banks and business customers reduce risk while improving productivity.
 
Banks are especially benefiting from offering advanced payment technologies to their commercial customers. Businesses increasingly expect secure remote payment capabilities that eliminate unnecessary trips to physical branches while allowing them to maintain complete control over payment issuance. Technologies such as Remote Official Check Printing are transforming how law firms, real estate offices, insurance organizations, automotive enterprises, non-profits, and other businesses manage critical payments.
 
Remote Official Check Printing enables authorized business users to securely print official checks remotely and on demand. This capability is helping organizations close deals faster, accelerate real estate transactions, improve operational efficiency, and better serve customers regardless of location. Businesses no longer need to rely on courier services, overnight shipping, or repeated branch visits to complete time-sensitive transactions.
 
At the same time, banks gain a significant competitive advantage by extending secure payment services to business customers in areas where the bank may not even have a physical branch presence. This creates new opportunities to grow deposits, deepen commercial relationships, and expand treasury management services.
 
Modern payment issuance software also supports multiple payment types beyond checks, including ACH, wires, and digital payments. This multi-payment flexibility allows businesses to modernize at their own pace while continuing to utilize trusted payment methods that remain deeply embedded in many industries. Instead of forcing organizations into disruptive transitions, advanced payment automation solutions provide a practical path toward modernization while maintaining compatibility with existing workflows and systems.
 
Security remains one of the most important reasons banks and businesses are investing in modern payment issuance technologies. Fraud prevention, encryption, user permissions, approval hierarchies, event logging, and automated audit trails are now critical requirements in today’s payment environment. Modern platforms help organizations strengthen payment security without sacrificing speed or convenience.
 
The organizations that modernize today will be better prepared for the future of business payments tomorrow. Automated payment issuance, configurable workflows, Remote Official Check Printing, and integrated multi-payment solutions are already being used by banks and their business customers across the U.S. and in Canada.
​
As a trusted pioneer of secure business payment software since 1989, AP Technology continues to help banks and businesses modernize payment issuance with secure, flexible, automated solutions built for today’s evolving financial landscape.
 
For more information, email Sales@APTechnology.com or visit APTechnology.com.

Businesses rely heavily on checks and printed documents for critical financial transactions, but outdated signing processes create unnecessary security risks, delays, and inefficiencies. Manual signatures, signature stamps, and multi-pass printing methods can expose organizations to fraud, errors, and operational bottlenecks. That is why businesses across the United States and Canada turn to AP Technology and ezSigner Direct to modernize check signing and document workflows. 

ezSigner Direct is advanced check signing software that securely adds authorized digital signatures and graphics such as company logos directly onto business checks and documents as they are printed — all in one pass through the printer. This streamlined process eliminates the need for messy signature stamps, manual signing, multiple printer passes, and outdated signing machines. 

For organizations seeking secure business payment software, ezSigner Direct delivers the efficiency, automation, and protection required in today’s financial environment. 

As the pioneer of business payment solutions since 1989, AP Technology developed ezSigner Direct to help businesses improve operational efficiency without sacrificing security. The software securely stores digital signatures and overlays using advanced encryption and password protection. Businesses can control who has access to signatures while maintaining a clear audit trail of all printing activity. 

Security features within ezSigner Direct include:

• Encrypted digital signature storage 
• Password-protected signature access 
• Event logging and audit tracking 
• Signature watermark capabilities 
• Time-Date-User stamping 
• Secure graphics and logo overlays 

These capabilities help organizations reduce the risk of unauthorized signatures while maintaining compliance and accountability. 

Unlike older check signing systems that require checks or documents to pass through a printer multiple times, ezSigner Direct completes the entire process in a single pass. This saves time, reduces printing errors, and simplifies payment issuance workflows for accounting teams, accounts payable departments, finance offices, and business operations professionals. 

ezSigner Direct also provides exceptional flexibility. Businesses can create unlimited overlays, import graphics and logos, and customize output for multiple bank accounts and document types. Whether an organization is printing payroll checks, accounts payable checks, remittance documents, or other business forms, ezSigner Direct helps create a professional and secure final product. 

Another major advantage is ease of implementation. ezSigner Direct installs in minutes and integrates easily into existing payment environments. Businesses do not need to replace their accounting systems or disrupt current workflows to modernize check signing security. 

As check fraud continues to increase nationwide, businesses are seeking proven technologies that improve payment security while maintaining the flexibility and trust associated with checks. ezSigner Direct helps organizations modernize traditional payment processes while preserving convenience, familiarity, and security. 

For businesses searching online for secure check signing software, digital business check signatures, automated check printing software, secure payment issuance solutions, or business check logo printing, ezSigner Direct continues to stand-out as a trusted industry-leading solution from AP Technology. 

Best of all, ezSigner Direct includes a free, 30-Day Trial, allowing businesses to experience the benefits of secure, automated check signing firsthand.

For more information and to start the free 30-Day ezSigner Direct trial, email Sales@APTechnology.com, call 800-652-2877 ext. 1, or visit AP Technology ezSigner Direct.

Many banks and businesses are still relying on outdated or discontinued payment issuance systems such as Secure32 and Create-A-Check. The financial landscape is changing dramatically, with today’s payment environments demanding greater automation, stronger security, flexible workflows, remote capabilities, and the ability to support multiple payment types from a single platform. That is why organizations across the United States and Canada are modernizing with APSecure from AP Technology.
 
For nearly 40 years, AP Technology has been a trusted pioneer in payment issuance solutions for banks and businesses. As older payment systems become obsolete or discontinued, organizations are discovering that replacing them is not simply about maintaining operations—it is about gaining competitive advantages with a payment solution that can grow with them.
 
Modern businesses need faster, more secure ways to issue and manage payments. Banks are seeking innovative tools that help attract and retain commercial customers while increasing deposits. No matter what the need, AP Technology is the solution, with a complete suite of payment issuance products.
 
APSecure is an advanced, automated, multi-payment issuance platform that replaces outdated payment software with a modern, scalable solution that grows alongside banks and businesses. Unlike legacy systems that were built primarily for traditional check printing, APSecure supports multiple payment types including modernized checks, ACH, wires, and digital payments within one secure environment.
 
One of the most powerful remote technology innovations driving new system adoption is Remote Official Check Printing. This technology being used by banks across the U.S. and Canada enables authorized business customers to securely print official checks remotely, reducing unnecessary trips to bank branches while accelerating business operations. Industries such as personal injury law firms, real estate offices, insurance organizations, automotive enterprises, and non-profits are utilizing remote payment technologies to close deals faster and improve operational efficiency.
 
For banks, this creates a major opportunity. Financial institutions can now provide advanced payment services to business customers in regions where they may not even have physical branch locations. Instead of requiring businesses to visit branches for official check issuance, banks can securely extend those services remotely through AP Technology solutions. This helps banks strengthen relationships, attract larger commercial accounts, and grow deposits through better business services.
 
Another key advantage of APSecure is its advanced, configurable workflow automation. Modern organizations often require complex approval processes, multiple signatures, release controls, user permissions, and audit tracking. Legacy systems frequently struggle to support these evolving requirements. APSecure’s configurable workflows allow banks and businesses to customize payment approval and issuance processes to fit their exact operational needs while improving security and efficiency.
 
Importantly, AP Technology solutions work with existing accounting systems and banking environments, minimizing disruption during migration. Organizations do not need to completely rebuild their operational infrastructure in order to modernize payment issuance.
 
Security also remains at the core of every AP Technology solution. As payment fraud and cyberattacks continue, businesses and financial institutions need payment platforms designed with advanced authentication, encryption, centralized user management, audit trails, and secure workflows. AP Technology combines enterprise-grade security with the speed, flexibility, and automation modern organizations require.
 
Replacing obsolete and discontinued payment systems such as Secure32 and Create-A-Check is no longer just an IT decision. It is a strategic business decision. Organizations that modernize payment issuance processes gain operational efficiency, stronger security, faster payment processing, improved customer experiences, and the flexibility to support future growth.
 
The future of payment issuance is automated, remote, secure, and multi-payment capable—and AP Technology continues to lead the way.

To learn more about modern payment issuance solutions from AP Technology, visit APTechnology.com or email Sales@APTechnology.com.

For banks focused on growth, geography is no longer a limitation—it is an opportunity. Business customers no longer expect to be tethered to a local branch to manage payments. Instead, they are choosing financial institutions that can deliver speed, flexibility, control, and security from anywhere. This shift is redefining how banks compete for deposits, especially among businesses with complex payment demands. 

APSecure from AP Technology is helping banks meet this moment with a more modern approach to payment issuance. Rather than relying on fragmented tools or branch-dependent processes, APSecure is an automated multi-payment capable issuance solution that brings checks, ACH, wires, and card payments together in a single, secure environment. The result is a smarter way for banks to serve business clients—without being constrained by physical footprint. 

At the center of this transformation is Remote Official Check Printing. This capability allows authorized business users to securely print official bank checks in designated areas, outside branch locations. For a law firm managing trust accounts, a real estate office closing transactions across multiple markets, or an insurance group issuing time-sensitive disbursements, the ability to generate official checks on demand changes everything. Deals move faster. Bottlenecks disappear. And dependence on branch visits or overnight delivery is dramatically reduced. 

For banks, the implications are significant. Remote payment technology makes it possible to win and grow relationships in markets where there are no branches. A financial institution in one region can now effectively serve clients in another, offering the same level of control and service as if they were local. This opens the door to attracting new commercial deposits from business verticals such as non-profits, legal practices, real estate firms, and insurance organizations that prioritize efficiency and responsiveness in their financial partners. 

Equally important, APSecure strengthens retention. Once businesses experience the convenience of issuing payments remotely with full control, they are far less likely to move their accounts elsewhere. The platform becomes embedded in daily operations, making the bank an essential part of the customer’s workflow rather than just a service provider. As the business grows, APSecure grows with it. 

From a technology standpoint, APSecure is designed to work within the systems banks and businesses already use. It integrates with core banking platforms and is compatible with most accounting systems, allowing institutions to enhance their offerings without disruptive changes. This ease of adoption accelerates time to value while ensuring a consistent user experience for clients. 

Flexibility is another defining advantage. APSecure supports configurable workflows that can mirror even the most detailed internal processes. Whether a non-profit requires layered approvals for compliance or a multi-location business needs decentralized payment control with centralized oversight, the platform adapts accordingly. This level of customization allows banks to serve a broader range of clients without forcing them into rigid systems. 

Security, of course, remains foundational. APSecure incorporates strong authentication protocols, encryption, and user-level permissions, along with comprehensive audit tracking. These safeguards ensure that as payment access expands beyond the branch, control and visibility remain firmly intact. 

Banks that embrace remote payment technology are no longer limited by proximity. They can compete for—and win—business customers based on capability rather than location. By delivering advanced check payment software and automated issuance tools through APSecure, financial institutions position themselves to capture deposits, deepen relationships, and expand into new markets with confidence. APSecure is also an excellent replacement for discontinued software such as Secure32.

To learn how APSecure can help your bank extend its reach and grow business deposits, visit www.aptechnology.com/apsecure-check-issuance-for-banks-and-businesses.html or email Sales@APTechnology.com. 

In today’s payment landscape, security is everything—especially when it comes to check payments. Despite the rise of digital transactions, checks remain a critical part of accounts payable for many businesses.  However, with increased check fraud and payment manipulation, companies must prioritize secure check processing.

That’s where AP Technology’s SecureCheck solution comes in—delivering powerful, reliable, and most importantly, secure check printing software built for modern businesses.

The Growing Risk Around Business Checks

As with other payment methods, check fraud continues to evolve, targeting businesses that rely on outdated or manual payment processes. Common check issuance risks include:

• Altered or forged checks
• Unauthorized check printing
• Stolen check stock
• Lack of audit trails

Without the right system in place, businesses leave themselves vulnerable to financial loss and compliance issues.

What Is SecureCheck?

SecureCheck by AP Technology is a business check printing software designed to protect every stage of the check issuance process. It enables organizations to print checks securely, within their network, while maintaining full control, visibility, and compliance.

Unlike basic check printing tools, SecureCheck is purpose-built with security at its core, ensuring that every check issued is protected against fraud and misuse.

Key Features of SecureCheck for Secure Check Printing

1. Advanced Security Controls

SecureCheck includes robust user authentication and permission-based access, ensuring only authorized personnel can print checks. This minimizes internal fraud risks and strengthens accountability.

2. Positive Pay Integration

One of the most critical components of a secure check system is Positive Pay. SecureCheck integrates seamlessly with bank Positive Pay services, allowing businesses to verify issued checks and prevent fraudulent transactions before they clear.

3. Encrypted Data & Secure Processing

Sensitive payment data is encrypted and protected throughout the check printing process. This ensures compliance with security standards and protects against data breaches.

​4. Audit Trails & Reporting

Every action within SecureCheck is tracked, creating a detailed audit trail. Businesses gain full visibility into who printed checks, when they were issued, and where they were processed.

5. MICR Check Printing Accuracy

SecureCheck ensures precise MICR encoding, reducing errors and ensuring checks meet banking standards—an often overlooked but essential part of secure check processing.

Why Businesses Choose Secure Check Printing Software

Implementing a secure check printing solution like SecureCheck provides several key benefits:

• Fraud Prevention: Reduce exposure to check fraud and financial loss
• Operational Efficiency: Streamline check runs and eliminate manual errors
• Compliance: Meet internal controls and audit requirements
• Scalability: Support growing payment volumes without sacrificing security

For industries like finance, legal, property management, and manufacturing—where check payments are still widely used—secure check printing is not optional, it’s essential.

Secure Your Check Payments Today

Checks aren’t going away—but unsecured processes should be.

With AP Technology’s SecureCheck, businesses can confidently issue payments knowing they are backed by industry-leading security, reliability, and control. If your organization still relies on checks, upgrading to a secure check printing software is one of the most important steps you can take to protect your financial operations.

​To learn more about how SecureCheck can protect your payments and streamline your operations, email Sales@APTechnology.com or visit https://www.aptechnology.com/positive-pay.html.

Check fraud remains a persistent and costly threat for banks and businesses alike. As organizations continue to rely on checks for critical payments, the need for a smarter, automated, and highly secure fraud prevention strategy has never been greater. This is where SecurePay Advantage by AP Technology can help you stop fraud before it starts. 

SecurePay Advantage is an advanced Positive Pay solution designed to stop check fraud before it starts—while improving efficiency, accuracy, and operational control. 

Check fraud is not just an inconvenience; it is a growing risk that can disrupt operations, damage relationships, and result in financial loss. Traditional manual processes for managing Positive Pay files often leave room for human error, delays, and inconsistencies. SecurePay Advantage eliminates these risks by automating the entire process, ensuring that every check issued is verified, formatted correctly, and securely transmitted to the bank. 

At its core, SecurePay Advantage creates a seamless partnership between businesses and their financial institutions. It works by converting check issuance data from any accounting system into a properly formatted Positive Pay file that meets the bank’s exact requirements. These files are then transmitted automatically, enabling banks to match presented checks against authorized records and flag any discrepancies for review. 

Automation is what makes SecurePay Advantage so powerful. Unlike manual processes that require time-consuming file preparation and validation, SecurePay Advantage runs in the background with minimal user intervention. Businesses can choose to fully automate file transfers or manage them with just a few clicks. The result is a faster, more reliable, and more secure payment workflow that reduces administrative burden while strengthening fraud protection. 

Security is at the heart of SecurePay Advantage. The platform includes built-in data encryption, configurable workflow approvals, user permissions, event logs, and comprehensive audit trails. These features ensure that only authorized users can initiate and manage payment data while maintaining complete transparency across every transaction. 

For banks, offering SecurePay Advantage to business customers is a strategic advantage. It enhances treasury management services, strengthens client relationships, and provides a powerful tool to help customers protect their payments. Positive Pay solutions like SecurePay Advantage are widely recommended by financial institutions because they proactively prevent fraud rather than reacting after losses occur. 

For businesses across industries—including law firms, real estate offices, automotive enterprises, insurance companies, and non-profits—SecurePay Advantage delivers immediate value. It integrates seamlessly with existing accounting systems, requires minimal setup time, and typically installs in minutes without disrupting current operations. 

Another key differentiator is flexibility. SecurePay Advantage is compatible with virtually any accounting platform and supports a wide range of bank file formats through one of the largest Positive Pay format libraries available. This ensures that organizations can implement a standardized fraud prevention process regardless of their banking relationships or internal systems. 

In addition, SecurePay Advantage can be enhanced with automated file transfer technology that securely transmits data between banks and businesses. This further reduces manual intervention, improves compliance, and ensures that critical payment information is delivered reliably and on time. 

As fraud tactics become more sophisticated, relying on outdated or manual processes is no longer an option. Organizations must take a proactive approach to payment security—one that combines automation, accuracy, and control. SecurePay Advantage delivers exactly that. 

By modernizing Positive Pay with automation and advanced security features, SecurePay Advantage empowers banks and businesses to protect their payments, reduce risk, and operate with confidence. It is not just a fraud prevention tool—it is a critical component of a modern payment issuance strategy. 

To learn more about how SecurePay Advantage can protect your payments and streamline your operations, email Sales@APTechnology.com or visit https://www.aptechnology.com/positive-pay.html.

​Banks as a Payment Command Center

Banks are entering a new era where payment issuance is evolving beyond routine operational task—it is becoming a strategic growth engine. Financial institutions are transforming their payment infrastructure into something that can be described as a payment command center: a centralized, intelligent system that unifies automation, security, flexibility, and multi-payment delivery for business customers. 

Assisting with this transformation is AP Technology, the pioneer of business payment solutions since 1989. With more than three decades of innovation, AP Technology is helping banks and businesses reimagine payment issuance as a competitive advantage for they and their business clientele, rather than viewing payments as a cost center. 

Today’s banks are modernizing their payment command centers, with automation as a key focus. Manual processes, fragmented systems, and paper-heavy workflows are being replaced by intelligent automation that accelerates payment delivery while reducing errors and operational risk. Configurable workflow engines allow banks to tailor approvals, controls, and routing rules to meet even the most complex requirements of business customers. This level of customization ensures that every transaction follows a secure, efficient, and compliant path—without adding operational burden. 

Security remains at the core of every payment decision. Fraud threats continue to evolve, so banks must deploy solutions that proactively protect transactions without slowing them down. AP Technology solutions integrate advanced security measures such as encryption, audit trails, and automated fraud prevention tools like Positive Pay. The result is a payment environment where speed and security coexist, giving banks and their customers confidence in every transaction. 

Flexibility is equally critical in modernizing payment processes. Today’s businesses want the ability to issue payments anytime, anywhere. A true payment command center supports a full spectrum of payment types—including checks, ACH, wires, and card payments—within a single, unified platform. This multi-payment capability allows banks to meet customers where they are today, while positioning them for the digital payment methods of tomorrow. 

One of the most powerful innovations driving this shift is Remote Official Check Printing. This capability enables banks to extend secure check issuance directly to their business customers, even in areas where they have no branch locations. Remote Official Check Printing reduces the need for in-branch visits while maintaining full control, secure issuance, and compliance. For industries such as law firms managing real estate closings, real estate offices handling transactions, automotive businesses processing high-value payments, non-profits managing disbursements, and insurance companies issuing claims, Remote Official Check Printing delivers both speed and convenience without compromising security. 

Beyond efficiency, this capability creates a meaningful opportunity for banks to grow deposits and strengthen relationships. By embedding payment issuance directly into their customers’ workflows, banks become indispensable partners rather than transactional service providers. 

Dependability is what ultimately separates leaders from followers in this space. Banks and businesses need solutions that integrate seamlessly with existing systems, scale with growth, and perform consistently under pressure. AP Technology has built its reputation on delivering exactly that—proven, reliable payment solutions trusted by financial institutions and enterprises in the U.S. and Canada. 

As the payments landscape continues to evolve, institutions that succeed will be those that take control of their payment strategy. The payment command center is not just a concept—it is the new standard for how banks can deliver value, drive efficiency, and lead in a competitive market. 

AP Technology is powering this transformation, helping banks and businesses modernize payment issuance with automation, security, flexibility, and innovation built to last. 

To learn how your organization can build its own payment command center, visit www.APTechnology.com or contact Sales@APTechnology.com. 

Have you read the latest report from the Association for Financial Professionals (AFP)? Banks and businesses are operating in an increasingly complex payment environment where automation, speed, control, efficiency, and security must coexist. The 2026 AFP Payments Fraud and Control Survey Report highlights a critical reality: while payment methods continue to evolve, checks remain a vital and trusted component of business payments—they are being modernized, not replaced. 

According to the 2026 AFP report, 68% of organizations use checks for vendor payments, representing a 16% increase from 2024. Even more telling, nearly three-quarters (72%) of businesses surveyed plan to continue using checks for the foreseeable future. These findings reinforce what many treasury and finance professionals already know: checks are not going away anytime soon. Instead, they are evolving. 

At the same time, payments fraud remains a persistent and growing threat. More than three-quarters of organizations surveyed stated that they experienced attempted or actual fraud in 2025, according to the AFP report. Checks, in particular, continue to be the payment method most frequently targeted by fraudsters, underscoring the urgent need for stronger controls and smarter processes. Fraud is no longer a periodic concern—it is a constant operational challenge that requires continuous vigilance, automation, and innovation to remain ahead of the bad guys. This is where modernization becomes essential. 

Modern payment issuance is not about eliminating checks. It is about transforming how checks are issued, secured, and integrated into broader payment strategies. Banks and businesses are increasingly embracing remote payment technologies such as Remote Official Check Printing, which enables secure, on-demand check issuance from, as the name implies, remote locations. This capability significantly speeds deal closings—especially in industries like real estate and legal services—while reducing the need for customers to visit bank branches. The result is a faster, more convenient, and more scalable payment experience. This is embraced by banks that are always seeking to increase deposits from their business customers.

Equally important is the role of configurable, automated workflows. The 2026 AFP report emphasizes that fraud prevention is no longer reliant on a single control, but rather an operating model that includes verification, approvals, monitoring, and recovery. Automated workflows ensure that every payment—whether check, ACH, card, or wire—is subject to consistent, rule-based approvals and validation, and that even advanced workflows can be configured to each organization’s needs. This reduces human error, strengthens compliance, and creates a clear audit trail for every transaction. 

Security, speed and efficiency no longer need to be trade-offs. With modern payment issuance solutions, organizations can achieve both while retaining control. Advanced encryption, Positive Pay integration, user authentication, and real-time monitoring work together to protect payments without slowing them down. In fact, automation enhances speed while reinforcing control—allowing organizations to process payments faster and more securely than ever before. 

Another key takeaway from the AFP report is that payment issuance does not have to be an either-or proposition. Businesses are increasingly adopting hybrid strategies that combine modernized checks with digital payments. Checks remain essential for many vendor relationships and compliance requirements, while digital payments provide speed and convenience where appropriate. The most effective organizations are those that can seamlessly manage both within a single, unified platform.

This is precisely where AP Technology continues to lead. 

As a pioneer of business payments for nearly 40 years, AP Technology continues to help banks and businesses modernize their payment issuance processes without disrupting existing systems. Its solutions integrate with current accounting platforms, enabling organizations to enhance their operations without costly overhauls. 

AP Technology’s payment solutions are built with automation at their core. Configurable workflows, multi-payment capabilities, and secure remote issuance empower organizations to streamline operations while maintaining strict control over every transaction. Whether replacing discontinued legacy systems such as Secure32 for banks or Create-A-Check for businesses, AP Technology provides a future-ready platform designed to evolve alongside its customers. 

Innovation is also driven by artificial intelligence, which is increasingly shaping the future of fraud detection and payment security. While the AFP report notes that AI adoption is still emerging, its benefits—including improved detection and efficiency—are already clear. AP Technology embraces these advancements, ensuring that its solutions continue to improve in speed, accuracy, and security over time. 

This much is clear: checks remain a cornerstone of business payments, but they must be modernized to meet today’s demands. By combining automation, security, and flexibility, banks and businesses can transform payment issuance into a strategic advantage rather than an operational burden. 

AP Technology stands at the forefront of this transformation, delivering solutions that are built not just for today, but for the future of payments. 

To learn how AP Technology can improve payment issuance for your bank or business, explore the full suite of solutions at APTechnology.com. For more information and to schedule a product demonstration, email Sales@APTechnology.com. 

This article is for businesses that are seeking to securely add digital signatures and images such as logos to checks and documents in only one pass through their computer. You need ezSigner Direct, the smarter, faster, more secure way to sign checks and documents. 

ezSigner Direct is advanced check signing software designed to securely add authorized digital signatures and images, such as company logos, directly onto checks and documents as they are printed. Unlike outdated methods that require multiple passes through a printer or manual signing processes, ezSigner Direct completes everything in a single pass. This streamlined approach eliminates inefficiencies, reduces handling, and significantly lowers the risk of errors. Businesses can print, sign, and finalize payments in one seamless step—saving time while improving operational accuracy. 

Security is at the core of every AP Technology solution, and ezSigner Direct is no exception. This check writing software uses encrypted, password-protected signature overlays to ensure that only authorized users can apply signatures to checks and documents. 

In addition, ezSigner Direct provides a comprehensive Event Log that records every printing activity, along with a System Audit feature that tracks check numbers, account information, and user actions. These built-in controls create a powerful audit trail, helping organizations maintain compliance and confidently defend against fraud. 

By eliminating manual signatures, signature stamps, and check-signing machines, businesses can dramatically reduce exposure to risk while strengthening internal controls. One of the most compelling advantages of ezSigner Direct is its simplicity. The software is designed for quick deployment, with installation typically completed in just minutes. There is no need for complex integrations or lengthy onboarding processes. 

Once installed, users can begin signing checks and documents immediately, with an intuitive interface that requires minimal training. Whether a business processes a small number of checks or manages high-volume payment operations, ezSigner Direct scales effortlessly to meet demand.

This ease of use makes it an ideal solution for organizations across industries, including finance, legal, real estate, construction, and non-profits—anywhere secure and efficient check signing is essential. 

ezSigner Direct is more than just a check signing tool; it is a critical component of payment modernization. As businesses look to automate manual processes and enhance security, ezSigner Direct is setting the standard. 

By combining single-pass printing, advanced encryption, and comprehensive audit capabilities, AP Technology offers a solution that not only meets today’s needs, it exceeds them. It is this commitment to innovation that positions ezSigner Direct as the industry leader in secure check signing software. 

Try ezSigner Direct Risk-Free

Businesses looking to modernize their payment processes can get started quickly and confidently. ezSigner Direct offers a free, 30-day trial, allowing organizations to experience its performance first-hand, with no risk. 

To learn more and to get started, email Sales@APTechnology.com or visit https://www.aptechnology.com/check-signing.html 

Even with digital wallets, real-time payments, and emerging financial technologies, one fact continues to stand out: checks remain one of the most trusted and widely used business payment methods in America. Why is that? 

Despite the rapid evolution of digital payments, checks continue to play a vital role in business operations. According to the 2025 AFP Payments Fraud and Control Report, more than 75% of organizations have no plans to eliminate checks in the next two years. That’s not resistance to change—it’s a reflection of trust, control, and reliability. 

Checks offer advantages that many digital methods still struggle to replicate:

• Clear audit trails 
• Payment control and timing 
  
• Universal acceptance across industries 
  
• Familiarity for both payers and payees
  
• Modernized security 

In industries such as legal, real estate, automotive, and government, checks are not just preferred—they are often required.

The Shift Isn’t Away from Checks—It’s Toward Modernization. 

The conversation is no longer about replacing checks. It’s about modernizing them.

Forward-thinking banks and businesses are embracing a hybrid approach: combining the trust of checks with the speed, security, and automation of modern payment technology.

This is where innovation is making the biggest impact.

Modern payment issuance platforms are transforming checks into:

• Faster, on-demand payment tools 
  
• Secure, trackable transactions 
  
• Fully automated processes with minimal manual intervention 
  
• Flexible options that integrate seamlessly with digital payments 

Security? It matters more than ever. With 79% of organizations experiencing attempted or actual payment fraud, security is no longer optional—it is foundational. Checks have historically been seen as vulnerable, but modern solutions are changing that narrative.

Advanced fraud controls such as Positive Pay, encrypted workflows, and real-time validation are helping businesses mitigate risk while maintaining cash flow control. In fact, the same technologies that modernize payments also strengthen them, ensuring that security does not come at the expense of speed or convenience. 

As a pioneer of business payment issuance since 1989, AP Technology has been at the forefront of embracing payment issuance solutions that enable banks and businesses to improve their check use processes, while also utilizing other payment options as business requirements and needs dictate. 

AP Technology solutions such as APSecure are redefining what payment issuance can look like for banks and their business customers and businesses. 

With APSecure, organizations gain:

• Multi-payment capabilities including checks, ACH, wires, and more
  
• Remote Official Check Printing, enabling secure check issuance from anywhere 
  
• Advanced configurable workflows for even the most complex approval processes 
  
• Enterprise-grade security embedded into every transaction 

This means businesses no longer need to choose between traditional and digital payments—they can have both, fully integrated into a single platform. 

For banks, modernizing payment issuance is a strategic advantage. By offering solutions that include Remote Official Check Printing, banks can:

• Extend services beyond physical branches 
  
• Attract and retain business customers 
  
• Accelerate transactions such as real estate closings for law firm and other customers
  
• Drive deposit growth through increased engagement 

For business customers, the benefits are immediate:

• Fewer trips to the bank 
  
• Payment automation the adds speed and reduces risk
  
• Faster payment execution 
  
• Greater control and visibility 
  
• More productivity and flexibility to pursue revenue-generating activities 

 
The future of payments is not about abandoning checks—it’s about enhancing them.

Checks are already trusted, ubiquitous, and deeply embedded in how businesses operate. When combined with modern automation, security, and flexibility, they become even more powerful.

AP Technology is leading this evolution—delivering solutions that modernize payments without disrupting what already works. The result? Faster, more secure, and more efficient payment processes that meet the needs of today—and tomorrow. 

To learn more AP Technology payment solutions, visit APTechnology.com, or email Sales@APTechnology.com. 

​Banks and businesses are modernizing outdated payment issuance tools and manual processes. The demand for faster transactions, stronger security, and greater operational efficiency is accelerating.
This is where AP Technology can help with updating your payment issuance processes. 

As a pioneer of business payment software since 1989, AP Technology continues to help banks and businesses transform how payments are issued, approved, secured, and delivered. Modernizing payments is not just about going digital—it is about automating and optimizing every step of the payment lifecycle to make any payment method faster, more efficient, more flexible, and more secure. 

For banks, payment modernization presents a major opportunity to attract and retain business customers while growing deposits. Today’s businesses expect more than traditional branch-based services. They want the ability to initiate and receive payments remotely, securely, and on demand.

​One of the most impactful innovations driving this shift is Remote Official Check Printing. This technology enables bank customers—such as law firms, real estate offices, automotive dealers, and insurance companies—to securely print official checks from their own locations. The result is faster deal closings, fewer delays, and significantly reduced reliance on physical bank visits. For banks, it means extending services beyond branch walls while strengthening customer relationships. 

Equally important is workflow automation. AP Technology’s advanced, configurable workflow engine allows organizations to automate even the most complex approval processes. Payments can be routed, reviewed, and authorized digitally, eliminating bottlenecks and reducing manual errors. This level of control not only improves efficiency but also enhances compliance and audit readiness. 

Security remains a top priority, as payment fraud continues to rise. Modern payment issuance solutions from AP Technology are designed with built-in safeguards, including encryption, audit trails, and automated controls that help prevent fraud before it happens. Businesses no longer have to choose between speed and security—they can achieve both. 

Another key innovation provided by AP Technology is Payee Deposit Choice, a patent-pending capability that gives payees the flexibility to choose how they receive their payments—without needing to share sensitive banking information. This not only improves the payment experience but also reduces risk and increases satisfaction among vendors and partners. 

Flexibility is also essential in today’s payment issuance environments. AP Technology solutions support multiple payment types, including modernized checks, ACH, wires, and more, all within a single platform. With mobile access, businesses can manage payments from anywhere, enabling teams to stay productive whether they are in the office, remote, or on the move. 

Importantly, modernization does not require a complete system overhaul. AP Technology solutions are designed to work seamlessly with existing accounting software and integrate with core bank systems. This minimizes disruption while delivering improvements in speed, control, and visibility. 

For organizations still using discontinued systems such as Secure32 or Create-A-Check, the need to modernize is even more urgent. AP Technology provides seamless replacements that not only meet current needs but that evolve alongside your organization’s growth. AP Technology solutions are designed to be the last payment issuance solution you will ever need. 

Whether your goal is to streamline check printing, enable remote payment capabilities, or fully modernize your payment processes with built-in compliance, AP Technology delivers a comprehensive solution tailored to your needs. 

The future of payment issuance is automated, secure, and flexible—and it is already here. For more information, visit https://www.aptechnology.com, or email Sales@APTechnology.com. 

Across the financial services landscape, banks and businesses are facing a critical turning point: check printing and legacy payment systems such as Secure32 and Create-A-Check are no longer keeping pace with today’s demands. With Secure32 and Create-A-Check now discontinued and outdated processes becoming increasingly inefficient, organizations must act quickly to modernize payment issuance. 

The shift is not simply about replacing old software—it is about transforming how payments are issued, approved, and delivered in a faster, more secure, and more automated world.

For years, legacy payment systems such as Secure32 and Create-A-Check helped organizations manage check disbursements and payment workflows. But today, these systems present several challenges:

• Because the systems are discontinued, they won’t be supported in the future
• Manual processes slow down operations and make errors more likely
• Limited flexibility for remote or distributed teams 
• Increasing exposure to fraud risks 
• Difficulty integrating with modern accounting and banking systems 

As payment volumes grow and customer expectations rise, these limitations become more than inconveniences—they become barriers to growth.

Banks and businesses are now turning to modern payment issuance platforms that go far beyond basic check printing. APSecure from AP Technology is an advanced improvement to legacy systems that introduces multi-payment capability, remote check printing capability, automation, flexibility, and advanced security. 

APSecure supports multiple payment types—including checks, ACH, wires, and cards—within a single, unified system. This allows organizations to streamline disbursements while offering greater payment choices to customers and vendors. 

APSecure is built to integrate with existing accounting and core banking platforms, ensuring a seamless transition without disrupting operations. 

One of the most significant advantages of replacing legacy systems is the ability to automate manual workflows. Configurable approval processes, user permissions, and audit trails eliminate bottlenecks and reduce human error. Instead of relying on manual approvals or disconnected systems, organizations can replace their obsolete system with APSecure to:

• Digitally route payments for secure, mobile review and authorization 
  
• Automate repetitive tasks
  
• Maintain detailed visibility into every transaction 

The result is faster processing, improved accuracy, and more efficient use of staff time.

Today’s business environments demand speed and flexibility, but not at the reduction of security. Remote and hybrid work models have made it essential for organizations to issue payments securely from anywhere. This is where APSecure can help, without having to change accounting systems. 

APSecure is a modern payment platform that enable secure remote check printing and payment issuance—often referred to as Remote Official Check Printing. This capability allows banks to extend services beyond physical branches and empowers business customers to complete transactions without delays. Banks using APSecure are seeing increased deposits from their business customers. For industries like real estate and legal services, APSecure can mean faster deal closings and fewer trips to the bank—delivering a better overall client experience. 

As payment fraud continues to evolve, security must remain a priority for banks and for businesses. AP Technology’s APSecure incorporates multi-layered protections, encryption, and controlled user access to safeguard sensitive financial data. By replacing outdated systems, organizations can significantly reduce risk while maintaining compliance and confidence in every transaction. 

A Strategic Opportunity for Growth

Replacing Secure32 and Create-A-Check is not just a technical upgrade—it is a strategic opportunity. Banks can use modern payment issuance to attract and retain business customers by offering advanced services like remote payment capabilities and faster processing.

Businesses, in turn, gain greater control, efficiency, and scalability—allowing them to grow without being constrained by outdated technology. With solutions designed to work with existing systems and scale alongside organizational needs, the transition to modern payment issuance can be both smooth and impactful. 

The discontinuation of legacy payment platforms has created urgency—but it has also created opportunity. Organizations that act now can replace outdated systems with APSecure—a modern, automated solution that delivers immediate and long-term benefits. Automation, security, flexibility, and speed are a replacement away. APSecure, from the payments pioneer, AP Technology. 

For more information, visit https://www.aptechnology.com/replacesecure-32.html or email us: Sales@APTechnology.com. 

For many businesses, the conversation around payments still feels like a tradeoff: move faster and accept more risk, or slow things down to stay secure. In today’s fraud environment, that mindset is not only outdated—it is non-productive. Modern payment technology has reached a point where speed, automation, and strong security can, and should, coexist. 

Payments fraud remains alarmingly widespread. According to the 2025 AFP Payments Fraud and Control Survey, 79 percent of organizations experienced attempted or actual payments fraud in 2024, nearly unchanged from the year before. This persistence makes one thing clear: fraud is not a short-term spike. It is a permanent operational reality for banks and businesses of every size. 

At the same time, businesses cannot afford delays. Vendors expect fast settlement. Customers demand immediacy. Treasury and AP teams are under pressure to move payments efficiently while managing growing volumes and fewer staff. Slowing payments in the name of security is no longer a viable option. 

One of the most important takeaways from the AFP report is that fraud is not limited to any single payment method. Checks continue to be heavily targeted, with 63 percent of organizations reporting attempted or actual check fraud in 2024. But, digital payments are not immune from attacks, either. Wire transfers were the most targeted payment method in business email compromise (BEC) attacks, impacting 63 percent of surveyed organizations. 

The lesson is clear: security cannot be solved by simply switching payment types. Whether payments are made by check, ACH, wire, card, or real-time rails, fraudsters will follow the money. The real solution lies in how payments are initiated, controlled, approved, issued, and monitored. 

Modern payment platforms have changed the equation. Automation, configurable workflows, and centralized controls now make it possible to accelerate payments while reducing risk at the same time.
The AFP survey highlights that recovery after fraud is often incomplete. In 2024, 20 percent of organizations that suffered payments fraud were unable to recover any lost funds. That reality underscores the importance of prevention over reaction. Once funds move—especially through wires or real-time payments—retrieval is often improbable. 

Security today must be embedded directly into payment workflows, with multiple layers of security to keep that bad guys away. This includes multi-level approvals, positive pay controls, payee verification, and automated exception handling that does not slow down legitimate transactions. When these safeguards are built into the process, businesses gain peace of mind without sacrificing speed. 

For more than 35 years, AP Technology has helped banks and businesses modernize the way payments are issued—swiftly, securely, efficiently, and at scale. As a payment pioneer, AP Technology delivers solutions designed to support any payment type, including checks, ACH, wires, cards, and digital payments, all within automated, configurable workflows. 

AP Technology’s approach recognizes that increasingly, businesses do not operate with a single payment method. By centralizing payment issuance and embedding controls directly into workflows, organizations can move payments faster while significantly reducing exposure to fraud. 

This model supports banks looking to extend secure payment services to their business customers, as well as enterprises across industries such as legal, real estate, construction, automotive, manufacturing, nonprofits, and more. Whether the goal is fraud mitigation, operational efficiency, faster payments, or all of the above, AP Technology provides a flexible foundation for secure growth. 

Security is no longer the brake when issuing payments—it is the accelerator. Organizations that invest in automated, controlled payment systems gain the confidence to move faster, serve partners better, and reduce costly exceptions and rework, while reducing losses from fraud. 

Fraud is not slowing down. Payments don’t need to slow down, either. To learn how AP Technology helps banks and businesses issue payments faster, more securely, and with complete peace of mind, visit APTechnology.com, email Sales@APTechnology.com, or call 800-652-2877 ext. 1.