@Patricia0427  RE: I am so shocked that Quickbooks has not set up positive pay files as a standard report.

Well, at least part of the issue is that there is no standard. Our BRC PositivePay file Creator - QB Desktop  product supports over 150 banks, and they're formats are almost all different. There are two or three banks that use the the same format in that long list of banks.

Also, many of the banks require very specific layouts and have detailed rules for what text characters can and can't be included in the file for the payee, memo, and other fields.