Reliable ACH & ATM Processing Solutions

Trusted by payroll processors, PEOs, CPAs, and ATM operators.
Now with TimeLock — payroll data automation.

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About Us

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
Our Services
ACH Processing

ACH Processing

Organizations trust EFX for flexible, reliable, and secure ACH Processing solutions.

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ATM Processing

ATM Processing

We don't just provide ATM processing, we deliver solutions backed by support.

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Payroll Payment Processing

Payroll Payment Processing

The processing infrastructure payroll companies rely on — built for bureaus, PEOs, and ASOs.

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TimeLock AI payroll validation

TimeLock

Payroll data automation that eliminates manual data entry and catches errors before payroll runs

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ACH Processing

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
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ACH payment processing
ATM processing
ATM Processing

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
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Payroll Payment Processing

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
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Payroll payment processing
TimeLock

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 Choose EFX

Why Businesses 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
EFX Corp

Trusted Nationwide by Industry Professionals

National ATM ISOs and IADs
Regional Retail Chains
Payroll & HR Tech Companies
Accounting Firms and CPAs
PEOs and Staffing Agencies
Merchants offering cash access
EFX industry professionals
EFX Corp

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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FAQs

Frequently Asked Questions

What types of ATM Processing does EFX support?
EFX provides ATM processing for Independent ATM Deployers (IADs), ISOs, ATM employers, and merchants offering cash access. Our services cover real-time transaction processing with 99.99% uptime, cash settlement and reporting, and 24/7 transaction monitoring — backed by dedicated partnership support.
Is your ACH platform compatible with my payroll software?
In most cases, yes. EFX accepts single-file uploads from your payroll system, so there's no manual re-keying, and our NACHA-compliant platform is built to work with PEOs, HCM providers, payroll processors, and CPA firms. Contact us with the name of your software and we'll confirm compatibility.
What is TimeLock and how does it work?
TimeLock is EFX's payroll data automation tool for payroll companies. It converts any client submission — emails, spreadsheets, PDFs, even photos — into clean, validated payroll data in seconds, catching errors before payroll runs. Payroll teams using TimeLock cut data entry time by up to 98% and save 20+ hours every week. Schedule a free demo to see it in action.
Do you offer same-day ACH?
Yes. EFX offers both Same Day ACH and Next Day ACH, with real-time status tracking and reporting. Late submission windows also give you room for last-minute payroll changes.
Can you help me switch from my current processor?
Absolutely. Our team handles the transition with you, and most clients are up and running in as little as 48 hours. You'll have a dedicated account manager — not a call center — plus transparent pricing with no hidden fees or lengthy contracts.