ACH DEFENDERStop bad debits before they cost you.
ACH Defender protects payroll service providers from insufficient funds and fraud — checking balances, monitoring activity and alerting you before a single ACH is initiated.
Why payroll providers choose ACH Defender
When a client's account comes up short, the provider is often left covering the payroll. ACH Defender sits in front of every debit so you find out first — and decide before the money moves.
Real-time verification
Confirm the funds are there before any ACH is initiated, not days after a return.
Smart monitoring
Behavioral analytics learn each client's normal pattern and spot what doesn't fit.
Instant alerting
Get notified the moment something looks off, with the context to act on it.
Features
Every debit checked before it goes out.
Real-time balance checks
Verify the client's bank balance before ACH initiation, so short accounts are caught up front.
Behavioral fraud detection
Detection algorithms compare each run to a client's history and flag unusual activity.
Instant alerts
Suspicious activity triggers an alert right away, so your team can step in before funds move.
Clear results dashboard
See every debit sorted into sufficient, insufficient or unmatched, and export results to CSV or Excel.
Works with all payroll platforms
Keep the payroll software you already use. ACH Defender fits alongside it.
Any bulk ACH collection
Rent, receivables or any other bulk debit through ACH gets the same protection.
Balance check results
Aggregated debit totals compared with live Plaid available balances.
| CUSTOMER | NAME ON FILE | INSTITUTION | MASK | DEBITS | DEBIT TOTAL | AVAILABLE | SHORTFALL | RESULT |
|---|---|---|---|---|---|---|---|---|
| John Doe | JOHN DOE | First Gingham Credit Union | ••9002 | 1 | $12,060.01 | $12,060.00 | $0.01 | Insufficient |
| Jane Doe | JANE DOE | Chase | ••0000 | 1 | $100.01 | $100.00 | $0.01 | Insufficient |
| James Smith | JAMES SMITH | Tartan Bank | ••1111 | 1 | $70.00 | $200.00 | — | Sufficient |
| — | MARIA HERNANDEZ | — | ••8371 | 1 | $2,847.50 | — | — | Unmatched |
| — | ROBERT CHEN | — | ••1144 | 1 | $1,923.00 | — | — | Unmatched |
| — | PRIYA PATEL | — | ••3004 | 1 | $615.00 | — | — | Unmatched |
How it works
A checkpoint between your clients and the ACH network.
Payroll is queued
Your payroll platform prepares the debit as usual. Nothing about your workflow changes.
ACH Defender checks it
The client's balance is verified in real time and the run is compared against their normal behavior.
Clear, or flag and alert
Healthy debits go through. Risky ones are flagged and your team is alerted before the ACH is initiated.
Who we serve
Built for anyone who moves money by ACH in bulk.
Independent payroll providers
Protect your business from covering a client's shortfall.
Professional employer organizations
Screen every client company's payroll run at scale.
Accounting firms offering payroll
Add a safety layer without changing how you run payroll.
Rent & bulk receivables
Rent collection and any other bulk ACH debits.
See how ACH Defender can work for you.
Tell us a little about your business and we'll set up a walkthrough.
info@achdefender.com