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 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
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? +
Is your ACH platform compatible with my payroll software? +
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? +
Can you help me switch from my current processor? +