Protect payroll ACH from NSF and fraud.

ACH Defender is a software platform built for payroll service providers who want to safeguard ACH transactions from insufficient funds and fraudulent activity.

Connect a bank in minutes. Real-time verification, smart monitoring, and alerting — peace of mind for every collection.

• Real-time balance checks

  Verify bank balances before ACH initiation so payroll collections are not sent against insufficient funds.

• Fraud detection that stays ahead

  Behavioral analytics and instant alerts flag suspicious activity before it becomes a loss.

• Risk scoring for every client

  Monitor client account risk from one dashboard — built for payroll providers, PEOs, and bulk ACH collections.