Alkami Exceeds 500 Positive Pay Customers as Demand for Fraud Prevention and Commercial Onboarding Grows

Rhea-AI Summary

Alkami (Nasdaq: ALKT) announced that more than 500 financial institutions are live with its ACH and Check Positive Pay solutions as of Dec 19, 2025. The company says clients report faster onboarding, fewer fraud losses, and reduced operational strain after adopting the automated Positive Pay tools.

Alkami positions the product as plug-and-play with existing digital banking platforms, offering immediate fraud protection for institutions without a solution and automation benefits for those replacing legacy systems. The announcement also notes potential fee-based revenue by offering Positive Pay to business clients and mentions J.D. Power certification in 2024 and 2025.

Positive

• 500+ financial institutions live with Positive Pay (Dec 19, 2025)
• Clients report faster onboarding and reduced operational strain
• Potential for fee-based revenue from business Positive Pay services
• J.D. Power certification in 2024 and 2025

Negative

• None.

Key Figures

Positive Pay customers more than 500 financial institutions Institutions live on Alkami Positive Pay Solutions

J.D. Power certification 2024 and 2025 Outstanding Mobile Banking Platform Experience

Market Reality Check

$22.68 Last Close

Volume Volume 979,868 vs 20-day average 1,296,156 (relative volume 0.76x). normal

Technical Price $22.44 trading below 200-day MA at $25.28, and 44.44% below 52-week high.

Peers on Argus

ALKT gained 0.54% while close peers were mixed: DAVE up 3.11%, others (e.g., RNG -0.7%, AGYS -0.05%, SPNS -0.02%) were flat-to-down, pointing to a company-specific move around this adoption milestone.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Dec 16	Venture fund news	Positive	+1.7%	S3 Ventures announced $250M Fund VIII and expanding portfolio reach.
Dec 16	Partnership update	Positive	+1.7%	MANTL partnership with Method Financial to enhance loan refinancing data.
Dec 16	Platform expansion	Positive	+1.7%	Launch of Alkami Foundry hub for developers and fintech partners.
Dec 12	Platform launch detail	Positive	-0.9%	Earlier announcement of Alkami Foundry and partner ecosystem focus.
Dec 10	Client success story	Positive	-0.1%	MANTL-powered onboarding gains driving award and operational metrics.

Pattern Detected

Recent product and partnership news skew positive with generally positive price reactions, though some strong operational updates saw flat-to-slightly negative moves, indicating occasional divergence.

Recent Company History

Over the past weeks, Alkami’s news flow highlighted platform expansion and ecosystem building. On Dec 10–12, 2025, the company launched the Alkami Foundry hub to support technology builders and partners, with mixed short-term price reactions. A Q3 2025 10‑Q showed strong revenue growth alongside continued investment losses. Today’s milestone of 500+ Positive Pay customers reinforces the same narrative: growing adoption of Alkami’s digital and fraud-prevention solutions alongside ongoing strategic scaling efforts.

Market Pulse Summary

This announcement underscores Alkami’s expanding footprint in fraud prevention, with 500+ financial institutions live on ACH and Check Positive Pay, and continued J.D. Power recognition in 2024 and 2025. In recent months, the company highlighted platform initiatives like Alkami Foundry and detailed strong Q3 revenue growth alongside ongoing net losses and new convertible notes. Investors may watch further adoption milestones, profitability trends, and integration of acquisitions when assessing the impact of this news.

Key Terms

automated clearing house (ACH) financial

"including automated clearing house (ACH) Positive Pay and Check Positive Pay."

A federal electronic network that moves money between bank accounts for things like payroll, bill payments, dividends and vendor transfers. Think of it as a postal sorting system for bank transfers that batches and delivers payments on scheduled cycles rather than instantly. Investors care because ACH timing, reliability, and fees affect a company’s cash flow, dividend and payroll deliveries, settlement of transactions and short-term liquidity, which can influence financial operations and stock performance.

ach positive pay financial

"including automated clearing house (ACH) Positive Pay and Check Positive Pay."

ACH Positive Pay is a bank service that helps prevent unauthorized electronic withdrawals by matching incoming ACH debit requests against a preapproved list provided by the account holder. Think of it like giving the bank a vetted guest list so only known payments are allowed; any mismatch is flagged or blocked. For investors, it matters because it protects a company’s cash balances and reduces the risk of surprise losses or operational disruptions that can affect financial stability and reporting.

check positive pay financial

"including automated clearing house (ACH) Positive Pay and Check Positive Pay."

Check positive pay is a banking fraud-control service where a company gives its bank a list of checks it has issued, and the bank refuses to pay any presented check that doesn’t match that list unless the company approves it. For investors, this matters because it helps protect a company’s cash, reduces the risk of unauthorized payments that can distort short-term liquidity and operating results, and signals stronger internal financial controls — like a lock on a mailbox that only opens for expected letters.

AI-generated analysis. Not financial advice.

Growing adoption among banks and credit unions reflects the shift toward automated workflows that improve efficiency

PLANO, Texas, Dec. 19, 2025 /PRNewswire/ -- Alkami Technology, Inc. (Nasdaq: ALKT) ("Alkami"), a digital sales and service platform provider for financial institutions in the U.S., today announced that more than 500 financial institutions are now live with Alkami's Positive Pay Solutions, including automated clearing house (ACH) Positive Pay and Check Positive Pay. This milestone reflects the growing number of banks and credit unions modernizing their ACH and check fraud protection and business client onboarding processes for Positive Pay.

"Since moving to ACH and Check Positive Pay, we've seen a dramatic improvement in our onboarding processes and a reduction in fraud-related overhead," said Robin Seelye, chief banking officer at Northwest Bank. "Alkami's technology allows us to offer business clients a seamless, secure, efficient, and reliable experience while reducing the burden on our internal teams to manage reported fraud cases."

ACH and Check Positive Pay supports institutions at any stage of modernization and provides plug-and-play compatibility with any digital banking solution with no custom development required. Banks and credit unions without an existing solution gain immediate ACH and check fraud protection that is simple to adopt, while those moving from legacy systems benefit from improved automation, greater ease of use, and faster onboarding for business clients. In all cases, financial institutions are reporting fewer fraud losses, shorter implementation timelines, and reduced operational strain.

"Hitting 500 live customers highlights the confidence financial institutions have in Alkami to provide smarter, more efficient fraud prevention and commercial onboarding tools," said Taylor Adkins, vice president, product management at Alkami. "Our focus is on helping institutions move beyond legacy systems and manual workflows that make operations harder and more costly than they need to be."

As financial institutions look for ways to strengthen their business and commercial offerings, many are turning to technology that not only reduces operational work but also drives new revenue. ACH and Check Positive Pay enables financial institutions to generate fee-based income by offering businesses a powerful fraud prevention suite that secures every check and ACH commercial transaction. The solution gives business clients self-service tools to detect and prevent fraud while reducing operational overhead and creating a scalable path to revenue growth.

To learn more about Alkami's Positive Pay Solutions, visit here.

To learn more about Anticipatory Banking and the Alkami Digital Sales & Service Platform, visit here.

Alkami has been certified by J.D. Power in 2024 and 2025 for providing "An Outstanding Mobile Banking Platform Experience."¹

About Alkami
Alkami provides a digital sales and service platform for U.S. banks and credit unions. Our unified Platform integrates onboarding, digital banking, and data and marketing—each solution can stand alone, but together they deliver more—to help institutions onboard, engage, and grow relationships. As the future shifts toward Anticipatory Banking, we help data-informed bankers meet the moment with technology that drives action.

Media Relations Contacts
Vested
alkami@fullyvested.com

Marla Pieton
marla.pieton@alkami.com 

1J.D. Power 2025 Mobile App Platform Certification ProgramSM recognition is based on successful completion of an audit and exceeding a customer experience benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.

 

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SOURCE Alkami Technology, Inc.

FAQ

How many customers are using Alkami Positive Pay as of Dec 19, 2025 (ALKT)?

Alkami reported that more than 500 financial institutions are live with Positive Pay as of Dec 19, 2025.

What fraud protections does Alkami's Positive Pay (ALKT) include?

The solution includes ACH Positive Pay and Check Positive Pay for automated fraud detection and prevention.

Does Alkami Positive Pay require custom integration for banks (ALKT)?

Alkami says Positive Pay is plug-and-play and works with existing digital banking platforms without custom development.

What operational benefits are claimed by banks using Alkami Positive Pay (ALKT)?

Institutions report reduced fraud-related overhead, fewer fraud losses, and faster commercial onboarding.

Can banks generate revenue from Alkami Positive Pay (ALKT)?

Alkami states institutions can generate fee-based income by offering Positive Pay to business clients.