ACH Payment Tools for Small Business
Generate NACHA-compliant ACH files and transmit them to your bank. No per-transaction fees. Ever.
Built on trusted infrastructure
Built for Businesses That Pay via ACH
If you're making 10–200+ payments a month and tired of writing checks or fighting your bank's portal, FiSTWorks is for you.
Payroll & Staffing
Pay contractors and temporary workers on schedule via ACH.
Property Management
Distribute owner proceeds and pay vendors without writing checks.
Small Manufacturers
Pay suppliers on net terms with automated ACH batch processing.
Professional Services
Distribute client funds and vendor payments compliantly via ACH.
Bookkeepers
Import from QuickBooks, generate NACHA files, and transmit to the bank.
Why FiSTWorks?
Other tools make you learn NACHA first. We built ACH software that teaches you as you go.
Guided Correctness
Routing numbers validated on entry. Field constraints enforced in real time. The drafter guides you toward valid files with real-time checks and clear error messages.
Learn As You Go
Every confusing field has a help link to our wiki right next to it. Understand what “Originating DFI” means or which SEC code to pick — without leaving the page.
No Cryptic Errors
SEC codes show human-readable names with descriptions. Validation errors explain what's wrong and how to fix it — not “Record 6: field 3 invalid.”
Build Once, Reuse Forever
Save recipients, clone drafts, create templates. Quick-add lets you pay 200 vendors in minutes. Stop re-keying the same data every pay cycle.
Built on Enterprise-Grade Security
FiSTWorks runs on Microsoft Azure, which maintains SOC 2 Type II, ISO 27001, and PCI DSS certifications. We add additional layers of protection on top.
Always Encrypted
SFTP credentials encrypted at rest — never visible after setup, even to us.
Passwordless Auth + MFA
No passwords to steal, phish, or leak. Sign in with a one-time code, and optionally enforce multi-factor authentication across your organization.
Data Masking
Account numbers masked at every layer — UI, database, and logs.
Audit Trail
Every action logged immutably — who did what, and when.
No Data Retention
ACH file contents are never stored beyond processing. Your data stays yours.
Everything You Need to Originate ACH Payments
Enterprise-grade ACH tools at a small business price point — starting free.
ACH Validator
Validate ACH files before uploading to your bank. Catch formatting errors, verify routing numbers, and ensure NACHA compliance.
Explore ACH ValidatorACH Drafting Tools
Save your banks, recipients, and account details once — then generate NACHA-compliant ACH files in minutes, not hours.
Explore ACH Drafting ToolsStop Writing Checks. Start Paying Smarter.
Checks cost $4–12 each. Managed bill-pay services charge per transaction. Enterprise tools cost $500+/month. FiSTWorks starts free.
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