10 founding member spots at $499/month · Setup fee waived · Serious operators only
✓
Request Received
We will contact you within 4 hours to discuss your pilot spot. Only serious operators make it this far — we look forward to speaking with you.
⚠ Nacha Compliance Deadline: calculating... — non-compliant originators face full fraud liability
NACHA 2026 COMPLIANCE & ACH FRAUD DETECTION
Your Payroll Is One Email Away From Fraud. Are You Covered by June 20?
NachaGuard scans your ACH payroll batches before transmission — detecting fraud, flagging compliance violations, and generating the audit trail Nacha requires. Setup takes 15 minutes.
10 founding member spots · $499/month · Setup fee waived · Serious operators only
🔒 AES-256 Encryption
✓ Nacha 2026 Spec Compliant
⚡ Powered by Google Cloud
🤖 Gemini 2.5 Pro AI
🏦 Plaid Identity Verification
$180KAverage ACH Fraud Loss
June 20Nacha Compliance Deadline
15 minSetup Time
THE PROBLEM
Your Bank Protects Itself. Who Protects You?
Most companies running payroll ACH assume their bank handles fraud detection. They don't — not at the originator level. Nacha's 2026 rule places that obligation directly on you.
🔄
Payroll Redirect
A vendor changes their banking details via a spoofed email. Your controller updates the record. Friday's payroll sends $180,000 to a fraudster's account. Recovery rate: under 30%.
🕸
Mule Account Cluster
Multiple employees routing to the same account. A money mule network harvesting your payroll entries one by one. Average detection time without monitoring: never.
📋
Compliance Violation
Your ACH batch is missing the mandatory PAYROLL descriptor required by Nacha Rule 1.1 effective June 2026. Your ODFI flags it. Payroll delayed. Regulators ask why you had no monitoring.
THE SOLUTION
ACH Fraud Detection Built for the June 2026 Deadline
NachaGuard sits between your ACH file and your bank. Before a single dollar moves, it scans every entry — catching fraud signals, validating compliance, and building your audit trail automatically.
01 — DETECT
Catches Fraud Before Transmission
Detects routing number swaps, mule account patterns, high-value anomalies, and unauthorized descriptors in real time — before your ACH file reaches the network.
02 — DOCUMENT
Generates Your Compliance Evidence
Every scan produces a timestamped, SHA-256 verified compliance certificate — the documented proof of commercially reasonable fraud monitoring that Nacha auditors require.
03 — REPORT
AI-Powered CFO Audit Narrative
Gemini 2.5 Pro generates a plain-English executive summary of your risk posture and recommended actions — the report your board or auditor needs, in seconds.
HOW IT WORKS
Three Steps. Fifteen Minutes. Zero IT Required.
1
Upload Your ACH Batch File
Upload your existing .txt ACH file before your next payroll transmission. No integration, no API, no IT ticket.
2
Scan Runs in Seconds
NachaGuard parses every record against Nacha's 94-position specification — checking transaction codes, routing numbers, entry descriptors, and trace numbers simultaneously.
3
Get Your Report & Certificate
Receive a compliance certificate, fraud detection summary, and AI-generated CFO narrative. Your audit trail is complete before the file leaves your system.
THE NUMBERS
ACH Fraud Is Not a Future Risk. It Is Happening Now.
The following statistics are sourced from federal law enforcement, Nacha, and industry research organizations.
$2.9B
Lost to Business Email Compromise targeting ACH and wire transfers in 2023
SOURCE: FBI IC3 2023 Annual Report
80%
Of organizations experienced attempted or actual payments fraud in 2023
SOURCE: AFP Payments Fraud Survey 2024
$179K
Median loss per BEC incident involving payroll ACH diversion
SOURCE: FBI IC3 2023 Annual Report
June 20
Nacha deadline for all originators to implement documented fraud monitoring
SOURCE: Nacha Operating Rules 2026
<30%
Recovery rate for funds lost to ACH payroll fraud — most losses are permanent
SOURCE: FBI IC3 Recovery Asset Team
21 days
Average time to detect ACH fraud without automated monitoring in place
SOURCE: Association of Certified Fraud Examiners 2024
COMMON QUESTIONS
Straight Answers.
"Our bank already handles this."
Your bank monitors transactions after they enter the ACH network — that is RDFI protection. Nacha's 2026 rule targets you as the originator, before the file leaves your system. Your bank is compliant with their obligations. Whether you are compliant with yours is a separate question.
"We're too small to be targeted."
The FBI's 2024 Internet Crime Report found companies with 50–500 employees account for the majority of BEC payroll fraud losses — specifically because they lack enterprise monitoring. Fraudsters target companies where a single employee approves banking changes by email.
"We're not ready to implement something new."
There is no implementation. You upload a file. NachaGuard scans it. You download a certificate. The entire process takes less time than your morning standup. If you can send an email attachment, you can use NachaGuard.
"What if we don't detect any fraud?"
You still need the audit trail. Nacha's June 2026 rule requires documented evidence of commercially reasonable fraud monitoring — regardless of whether fraud was detected. The compliance certificate NachaGuard generates is that documentation.
FOUNDING MEMBER PRICING
10 Spots. One Price. No Exceptions.
FOUNDING MEMBER — 10 SPOTS ONLY
$499
per month
Setup fee waived for founding members
✓ Unlimited ACH batch scans
✓ Full 94-position NACHA record parsing
✓ Real-time fraud detection
✓ SHA-256 tamper-evident audit log
✓ Automated compliance certificates (PDF)
✓ AI-powered CFO security narrative
✓ Plaid identity verification
✓ Direct access to the founding team
✓ Cancel anytime — no long-term contract
Enterprise pricing available for payroll processors and PEOs serving multiple clients. Contact us.
GET STARTED
The Deadline Is June 20, 2026. Your Next Payroll Run Is This Week.
Every ACH file you transmit without fraud monitoring is an unprotected exposure. NachaGuard takes 15 minutes to set up. 10 founding member spots at $499/month — setup fee waived.