Reliable ACH & ATM Processing Solutions
Trusted by payroll processors, PEOs, CPAs, and ATM operators.
Now with TimeLock — payroll data automation.
Welcome to EFX Financial Services
At EFX Financial Services, we're redefining what it means to be a reliable, responsive, and easy-to-work-with financial technology partner...
- ATM Processing for IADs, ISOs, ATM Employers, and Merchants
- ACH Processing for PEOs, HCM companies, Payroll Processors, CPAs, and Accounting Services
- TimeLock — payroll data automation for payroll bureaus, PEOs, and ASOs
ACH Processing
Organizations trust EFX for flexible, reliable, and secure ACH Processing solutions.
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ATM Processing
We don't just provide ATM processing, we deliver solutions backed by support.
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Payroll Payment Processing
The processing infrastructure payroll companies rely on — built for bureaus, PEOs, and ASOs.
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TimeLock
Payroll data automation that eliminates manual data entry and catches errors before payroll runs
Learn More ↗ACH Processing Made Easy
If you're a PEO, payroll processor, HCM provider, CPA, or accounting firm, you need an ACH processing partner that delivers accurately and on time — every time. EFX offers secure, high-volume ACH payment processing built for your business.
- Next Day ACH and Same Day ACH
- Built for high volumes — fewer errors, on-time settlement
- NACHA-compliant, SOC-compliant infrastructure
- Real-time status tracking and reporting
ATM Processing Made Simple
EFX is a trusted ATM processor for ISOs, IADs, and merchants nationwide. From transaction handling to cash settlement, our ATM processing services keep your machines running smoothly and profitably.
- Real-time processing with 99.99% uptime
- Partnership support for ISOs and IADs
- Seamless cash settlement and reporting
- 24/7 transaction monitoring
Payment Processing Built for Payroll Companies
EFX provides payroll payment processing infrastructure for payroll service bureaus, PEOs, and ASOs — so your clients get paid accurately, compliantly, and on time, every cycle.
- Infrastructure for bureaus, PEOs, and ASOs
- Direct deposit processing for your clients' employees, contractors, and vendors
- Single-file uploads — no manual re-keying
- Late submission windows for last-minute changes
TimeLock — Payroll Data Automation
Say goodbye to manual payroll data entry. TimeLock converts any client submission — emails, spreadsheets, PDFs, photos — into clean, validated, payroll-ready data in seconds.
- Cut payroll data entry time by up to 98%
- AI-powered validation catches errors before payroll runs
- Payroll teams save 20+ hours every week
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Why Businesses Nationwide Choose EFX
Our clients tell us the #1 thing they appreciate is our consistency. Everything just works — and if there's ever an issue, we're on it fast.
About Us- System stability you can rely on — 99.99% uptime
- Transparent, low-cost processing — no hidden fees, no lengthy contracts
- Fast setup — up and running in as little as 48 hours
- Dedicated account manager, not a call center
- Human support from people who solve problems fast
- User-friendly platforms built for scale
Trusted Nationwide by Industry Professionals
Ready to Make the Switch to EFX?
Industry-leading ACH and ATM processing, and payroll data automation with TimeLock. Setup in as little as 48 hours.
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