White-Label ACH Infrastructure for Community Banks & Credit Unions
Offer your commercial customers a modern, branded ACH experience — and open a new recurring revenue line — without waiting on a full SaaS integration.
Two white-label paths. Start with the embeddable widget and ship this quarter.
Your Commercial Customers Need a Better ACH Experience
And every rejected file costs you money.
Returns Cost $5–25 Each
Every bad file your customers submit and every rejection you process is operational cost you absorb. Validation catches those errors before they become returns.
"How Do I Create a NACHA File?"
Commercial customers ask this constantly. Most banks point them to 20-year-old desktop software or say "figure it out." You can do better — without building anything.
Missed Recurring Revenue
Banks leave $25–50/mo per commercial customer on the table by not offering a modern ACH tool. The market rewards banks that package it; you can be one of them.
Two White-Label Paths
Pick the one that matches your bank's dev capacity and risk posture. Both are white-label; both scope cleanly for a pilot.
Embeddable Widget
A WASM-based ACH validator you drop into your commercial banking portal. Runs entirely in your customer's browser — ACH file data never transits our infrastructure.
- Your brand, your colors, your domain
- Data stays in the browser (narrow vendor review)
- Domain-locked embed keys, JWT-secured handshake
- Pilots live in days, not quarters
Validation API
Call our validation engine from your existing commercial banking portal. You own the UX; we handle the deep NACHA parsing and rule checking.
- REST API with OpenAPI 3.1 spec
- RFC 7807 Problem Details error responses
- Per-key rate limits and usage metering
- SOC 2 Type 1 on roadmap
Looking for a fully-branded hosted portal with SSO into your bank's identity provider? That's on our roadmap — let us know in a discovery call and we'll keep you posted.
Security & Compliance By Path
Because the right answer depends on which integration path you pick.
| Widget | Validation API | |
|---|---|---|
| Where does ACH file data flow? | Stays in the end-user's browser | Through our API |
| Encryption at rest | N/A — no server-side storage of file content | Always Encrypted (AES-256) |
| Encryption in transit | TLS 1.2+ | TLS 1.2+ |
| Authentication | Domain-locked embed key + JWT | API key with rotation |
| SOC 2 posture | Minimal vendor scope (no hosted data handling) | Type 1 targeted for Q4 2026 |
| Audit trail | Client-side + handshake log | Per-key usage metering |
| White-label | Built today | N/A (your UI) |
SOC 2 Type 1 is an active roadmap item. Banks where vendor SOC 2 is a current gate typically start with the Widget, where the client-side architecture substantially narrows the scope of vendor evaluation.
The Economics for Your Bank
Illustrative example for a community bank with 50 commercial customers.
Avoided Return Costs
50 customers × 4 files/mo × 2% return rate × $15 avg return cost = ~$600/mo saved on operational returns, before touching customer experience.
New Recurring Revenue
Charge $25/mo per commercial customer for the branded validator = $1,250/mo new recurring revenue, compounding as you onboard more customers.
Net Month-One Impact
~$1,850/mo net benefit from a widget integration that ships in days, not quarters. Numbers compound as the customer base grows.
Your Cost
Pilot pricing from $500/mo for the first 6 months; full pricing scoped per tier after the pilot evaluation. No per-transaction fees, no surprises.
Illustrative scenario. Actual numbers vary by customer base and file volume — we'll model ROI against your bank's real data on the first call.
Battle-Tested in Production Every Day
FiSTWorks also serves end-customer businesses directly — not enterprise software that exists only in demos.
Property managers, payroll bureaus, bookkeepers, and small manufacturers use FiSTWorks every day to generate NACHA-compliant files and transmit them to their banks. That means the validator, drafter, and SFTP components are tested against real ACH files in production — not marketed from a demo environment.
When you partner with us as a bank, you're reselling a product that already has paying users rather than betting on a vendor's roadmap.
Security Posture Today
What's in place now, and where the SOC 2 roadmap is headed.
Always Encrypted
AES-256 on sensitive fields — invisible to database administrators.
Clerk OAuth + MFA
Passwordless authentication. Optional MFA enforcement at the org level.
Azure Infrastructure
SOC 2 Type II, ISO 27001, and PCI DSS certified hosting with Azure Front Door WAF.
Audit Trail
Every action logged immutably — who did what, and when.
SOC 2 Type 1 Roadmap
Targeted Q4 2026. Security policies drafted; Type 2 observation to follow.
For banks where vendor SOC 2 is a current gate, our widget tier's client-side architecture substantially narrows the scope of vendor evaluation. We're also happy to share our SIG questionnaire response and (when available) a penetration test report to support interim vendor approval.
Let's Talk About Your Bank's ACH Pain Points
First call is 20 minutes. We listen to your current ACH file flow, share what we've seen work at other community banks, and let you decide if a pilot is worth scoping. No pressure.
Start the ConversationPilot pricing starts at $500/mo for the first 6 months. We're actively seeking 2–3 pilot banks; this is a favorable moment to get pilot terms.