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NAICS Code· 522320

Financial Transactions Processing, Reserve, and Clearinghouse Activities

This industry comprises establishments primarily engaged in providing one or more of the following: (1) financial transaction processing (except central bank); (2) reserve and liquidity services (except central bank); and/or (3) check or other financial instrument clearinghouse services (except central bank). Illustrative Examples: Automated clearinghouses, bank or check (except central bank) Credit card processing services Check clearing services (except central bank) Electronic funds transfer services, including peer-to-peer payment services Cross-References.Show more

NAICS 522320 – Financial Transactions Processing, Reserve, and Clearinghouse Activities encompasses the technical and operational infrastructure supporting the secure, accurate, and efficient processing of financial transactions, reserve management, and clearinghouse functions. This includes the design, implementation, and maintenance of systems that facilitate payment settlement, interbank reconciliation, reserve accounting, and real-time transaction monitoring—critical for agencies managing federal funds, foreign assistance disbursements, or multilateral financial operations.

12
Active Contracts
$8.8M
Total Obligations (12mo)
61
Awarded Contracts (12mo)
23
Contractors Awarded (12mo)
-96.5%
YoY Growth

Industry Spending Overview

Federal obligations, top contractors and agencies, and related industry codes for NAICS 522320.

AI Industry Description

NAICS 522320 – Financial Transactions Processing, Reserve, and Clearinghouse Activities encompasses the technical and operational infrastructure supporting the secure, accurate, and efficient processing of financial transactions, reserve management, and clearinghouse functions. This includes the des...

NAICS 522320 – Financial Transactions Processing, Reserve, and Clearinghouse Activities encompasses the technical and operational infrastructure supporting the secure, accurate, and efficient processing of financial transactions, reserve management, and clearinghouse functions. This includes the design, implementation, and maintenance of systems that facilitate payment settlement, interbank reconciliation, reserve accounting, and real-time transaction monitoring—critical for agencies managing federal funds, foreign assistance disbursements, or multilateral financial operations. In government contracting, this NAICS supports mission-critical financial integrity, compliance with federal accounting standards, and transparency in international aid programs, often integrating with enterprise resource planning (ERP) systems and blockchain-enabled ledgers to ensure auditability and fraud prevention. Deloitte Consulting LLP is the leading contractor in this sector, providing end-to-end financial systems modernization, process automation, and compliance infrastructure for complex fiscal operations. The competitive landscape is dominated by large primes with deep expertise in financial technology, regulatory alignment, and mission-critical system integration, with limited participation from small businesses due to the high technical and security barriers to entry. The Millennium Challenge Corporation is the primary federal buyer, leveraging these services to manage large-scale international development funding flows, ensure donor accountability, and automate cross-border disbursement workflows. Demand is driven by programs requiring rigorous financial controls, real-time reporting, and interoperability with foreign financial institutions. The market is characterized by high barriers to entry due to stringent compliance requirements, legacy system integration challenges, and the need for certified financial systems expertise. Opportunities exist for contractors with proven experience in treasury operations, automated clearinghouse protocols, and international financial compliance frameworks, particularly those supporting foreign aid and development finance missions.

Top Contractors

Companies with the highest total award value under NAICS 522320, ranked by dollars won.

Ranked by total awards
CompanyTotal AwardsContracts
EDENRED BELGIUM Auderghem 1160 BEL$2.1M1
RUST CONSULTING, INC.$2.0M7
FIFTH THIRD BANK, NATIONAL ASSOCIATION$1.9M1
DIRECT CONNECT GROUP (DCG) LLC$769K1
LAURENTY SA$682K14
EDENRED BELGIUM$338K11
OMNI SYSTEMS, INC.$306K1
KROPP HOLDINGS, INC.$183K2
BUBBLES & BEAR LLC$158K3
CARACAL ENTERPRISES, LLC$102K1

Top Agencies

Federal agencies directing the most contract spending toward NAICS 522320.

Acquisitions - Rpso Frankfurt1 award$2.1M
Consumer Financial Protection Bureau7 awards$2.0M
Department Of Homeland Security2 awards$1.9M
Department Of Education (ed)3 awards$1.1M
Department Of State28 awards$1.1M
Department Of Veterans Affairs9 awards$192K
Department Of Justice2 awards$183K
Ser East MABO(51000)1 award$102K
Department Of Health And Human Services4 awards$55K
Albuquerque Area Indian Health Svc1 award$27K

Related NAICS Codes

Industries similar to Financial Transactions Processing, Reserve, and Clearinghouse Activities, by shared sector, subsector, and industry group.

Mortgage and Nonmortgage Loan Brokers

This industry comprises establishments primarily engaged in arranging loans by bringing borrowers an...
522310Same Industry GroupHigh Similarity

Other Activities Related to Credit Intermediation

This industry comprises establishments primarily engaged in facilitating credit intermediation (exce...
522390Same Industry GroupHigh Similarity

Commercial Banking

This industry comprises establishments primarily engaged in accepting demand and other deposits and ...
522110Same SubsectorMedium Similarity

Credit Unions

This industry comprises establishments primarily engaged in accepting members' share deposits in coo...
522130Same SubsectorMedium Similarity

Savings Institutions and Other Depository Credit Intermediation

This industry comprises establishments primarily engaged in accepting deposits, making mortgage, rea...
522180Same SubsectorMedium Similarity

Credit Card Issuing

This industry comprises establishments primarily engaged in providing credit by issuing credit cards...
522210Same SubsectorMedium Similarity

Sales Financing

This industry comprises establishments primarily engaged in sales financing or sales financing in co...
522220Same SubsectorMedium Similarity

Consumer Lending

This U.S. industry comprises establishments primarily engaged in making unsecured cash loans to cons...
522291Same SubsectorMedium Similarity

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NAICS 522320 FAQ

Frequently Asked Questions

NAICS code 522320 covers Financial Transactions Processing, Reserve, and Clearinghouse Activities. This industry comprises establishments primarily engaged in providing one or more of the following: (1) financial transaction processing (except central bank); (2) reserve and liquidity services (except central bank); and/or (3) check or other financial instrument clearinghouse services (except central bank). Illustrative Examples: Automated clearinghouses, bank or check (except central bank) Credit card processing services Check clearing services (except central bank) Electronic funds transfer services, including peer-to-peer payment services Cross-References.

Recently Posted in Financial Transactions Processing, Reserve, and Clearinghouse Activities

NAICS: 522320
New
SLED
Customer Billing, Payment, and Engagement SolutionHillsborough County is seeking a comprehensive electronic payment receipt system to modernize how the Water Resources Department processes customer payments across multiple channels, including online credit and debit card transactions, e-Checks, mobile and text payments, digital wallets, retail locations, IVR systems, customer and agent portals, kiosks, lockboxes, desktops, and a cloud-based contact center. The resulting five-year contract, estimated at $26,314,792.80, will require the contractor to deliver not only payment processing infrastructure but also full bill printing, mailing, and electronic notification services, including USPS certification, presorting, and electronic bill archiving. The solution must include a fully accessible customer portal with live chat and chatbot functionality, ADA compliance, and an agent portal for proxy support, payment tracking, and immediate identification of non-sufficient funds. All systems must be PCI DSS compliant, with secure storage of payment data and implementation of a comprehensive cybersecurity program aligned with Attachment A. The contractor must also provide an implementation plan detailing the timeline, testing methodology, and processes for correcting deficiencies during a mandatory test and acceptance period, with termination rights for the County if unresolved issues extend beyond 60 consecutive days. The contractor is required to submit proposals through the County’s Euna Procurement portal by August 11, 2026, with submissions via any other method rejected. Proposals will be evaluated on a 100-point scale favoring quality of the proposed system (35 points), organizational experience and qualifications (35 points), understanding of scope and technical approach (20 points), and lowest overall cost (10 points), with award going to the most advantageous offer based on this combined scoring. All pricing must include delivery and handling costs, and unit prices may be adjusted annually using the CPI-U index. Payment terms are Net 30 days, with remittance directed to a specific county address and ACH routing details required. The contractor must provide extensive documentation including a completed Substitute W-9, Direct Deposit Authorization, Drug-Free Workplace certification, and a notarized affidavit affirming no ownership or control by any Foreign Country of Concern, which includes China, Russia, Iran, North Korea, Cuba, Venezuela, and Syria. Additional security attestations are required through AI, vendor software, and vendor outsourcing questionnaires, alongside evidence of cyber liability insurance. The contractor will serve as the single point of contact for all subcontractors and must support a 30-day transition from the current vendor and
Hillsborough County

POSTED

1 day ago

DEADLINE

in 28 days
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NAICS: 522320
New
SLED
RP023-26, Provision of Merchant Processing Services on a Multi-Year ContractGwinnett County Government is seeking qualified service providers to submit competitive sealed proposals for the provision of merchant processing services under a multi-year contract through the Department of Financial Services. The solicitation, identified as RP023-26 with solicitation number PE-77023-NONST-2027-000000668, was posted on July 13, 2026, and proposals must be received by July 30, 2026. The contract is open to entities not currently debarred, suspended, or listed on Gwinnett County’s ineligible source list, as submissions from such firms will be disqualified regardless of how the solicitation was received. Services are expected to support county operations across Georgia, with no specific location restrictions beyond the state. The primary point of contact for inquiries is Katie Maldonado, reachable via email at Blake.Christopher@GwinnettCounty.com or phone at 770-822-8820. Proposals must be submitted through the official state procurement portal linked in the notice.
Gwinnett County Government

POSTED

1 day ago

DEADLINE

in 16 days
View Details
NAICS: 522320
New
SLED
PCI-Compliant Payment Processing & SecurityThe contract seeks a vendor to deliver end-to-end secure payment processing services for credit and debit card transactions, ACH transfers, and digital wallet payments, ensuring full compliance with PCI DSS standards throughout all stages of transaction handling. The solution must incorporate robust security protocols to safeguard sensitive financial data, prevent fraud, and maintain continuous compliance with industry regulations while supporting seamless integration with existing systems used by the Minnesota State Colleges and Universities System. The solicitation is classified as a subcontract under NAICS code 522320, with a response deadline of July 28, 2026, and was posted on July 13, 2026. The contract is issued by the Minnesota State Colleges and Universities System under the agency name Minnesota, though no specific office address or point of contact is provided. Bidders must respond through the designated public portal, and performance of the contracted services is expected to support the broader financial infrastructure of the state college system without geographic limitations specified.
Minnesota State Colleges and Universities System

POSTED

2 days ago

DEADLINE

in 14 days
View Details
NAICS: 522320
New
SLED
Systemwide Cashiering Services RFIMinnesota State Colleges and Universities System is seeking market input through a Request for Information to inform the development of a future competitive request for proposal for a systemwide Cashiering and Payment Management Solution. The initiative aims to modernize and standardize payment processing across all campuses under the Minnesota State system, ensuring efficient, secure, and scalable financial operations. The RFI was posted on July 13, 2026, with responses due by July 28, 2026, and is open to all qualified vendors regardless of size or specialization, as no set-aside classification has been designated. The primary point of contact for inquiries is Timothy Anderson, reachable via email at tim.anderson@minnstate.edu, and all submissions must be made through the official bidding portal linked in the solicitation. This effort is part of a broader strategy to enhance financial services for students, staff, and stakeholders through integrated technology solutions.
Minnesota State Colleges and Universities System

POSTED

2 days ago

DEADLINE

in 14 days
View Details
NAICS: 522320
New
SLED
Transportation Stipend Card Management ServicesThe City of Alexandria is seeking a qualified vendor to provide a comprehensive, secure, and scalable debit and prepaid card management solution through solicitation RFP-124145, aimed at administering transportation stipend payments. The contract requires the vendor to deliver end-to-end card services including issuance, funding, transaction processing, fraud monitoring, customer support, and reporting capabilities, all aligned with strict security and compliance standards. Solutions must be designed to support the City’s workforce transportation stipend program efficiently and reliably, ensuring seamless access for employees while safeguarding financial data and maintaining regulatory adherence. Proposals are due by August 20, 2026, and the contract will be awarded to a firm capable of meeting the City’s operational needs with proven experience in large-scale card management systems. The point of contact for inquiries is Brett Aronson, reachable via email or phone, and all submissions must be made through the designated vendor portal. Performance of this contract will be conducted within the City of Alexandria, Virginia, and the vendor must demonstrate the ability to integrate with existing City systems, provide 24/7 support, and ensure high availability and scalability to accommodate future growth in participant numbers and transaction volumes.
City of Alexandria

POSTED

4 days ago

DEADLINE

in about 1 month
View Details
NAICS: 522320
Awarded
Federal
R--CHAT AUTOMATED FEE MACHINE (AFM)The contract awards the purchase and installation of six Automated Fee Machines (AFMs) designed to process plastic card transactions in full compliance with PCI standards, ensuring secure payment handling. These machines must be compatible with existing mounting bases and capable of issuing both one-day paper passes and one-year passes for the Chattahoochee River National Recreation Area located in Sandy Springs, Georgia. The equipment is intended to support efficient and seamless fee collection operations at the site. The solicitation number is 140P5126Q0047, issued under NAICS code 522320, and the award notice was posted on July 10, 2026. The contract is managed by the Department of the Interior through the Ser East MABO office in Atlanta, Georgia, with performance required at Fort Moore, Georgia, 30350. The primary point of contact for inquiries is Edward Dingle, reachable via phone at 404-507-5747 or email at edward_dingle@nps.gov.
Ser East MABO(51000)

POSTED

5 days ago

DEADLINE

N/A
View Details
NAICS: 522320
New
Grant
Access to Capital Support and Lender CoordinationThe contract seeks to provide targeted support to women-owned businesses by facilitating their access to capital through comprehensive loan packaging, credit readiness counseling, and direct coordination with financial institutions, microloan programs, and Small Business Administration funding avenues. The primary objective is to strengthen the financial preparedness of these businesses, enabling them to meet lender requirements and successfully secure financing by addressing barriers such as credit gaps, documentation challenges, and lack of familiarity with funding systems. Services will be delivered in alignment with SBA-funded initiatives and designed to bridge the gap between eligible entrepreneurs and available capital resources. This subcontract falls under NAICS code 522320 and is issued by the Small Business Administration with a response deadline of August 10, 2026. The work will be performed without a specified geographic location, indicating flexibility in service delivery, and is intended to reach women-owned businesses nationwide. There is no set-aside classification specified, and the solicitation is open to qualified subcontractors capable of delivering structured financial readiness programs and effective lender liaison services. The effort is part of a broader strategy to promote economic equity and expand opportunities for underrepresented entrepreneurs in the U.S. small business landscape.
Small Business Administration

POSTED

5 days ago

DEADLINE

in 26 days
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NAICS: 522320
New
Grant
FY 2026 Mobile Payments Solution for SNAP Authorized Farmers - Cooperative AgreementThe United States Department of Agriculture’s Food and Nutrition Service is seeking non-profit organizations and institutions of higher education to develop and implement a mobile payments solution that enables SNAP-authorized direct marketing farmers and farmers markets to accept Supplemental Nutrition Assistance Program benefits through secure technology, including a mobile application or an eCommerce platform. The goal is to reduce financial and technological barriers for small-scale farmers, helping them evaluate the cost-benefit of integrating SNAP into their operations at little or no cost, while simultaneously expanding access to fresh, locally grown food for SNAP recipients through physical locations like farmers markets, roadside stands, and pick-your-own operations, as well as digital sales channels. The initiative aims to strengthen the connection between American agriculture and nutrition assistance programs by fostering a scalable, inclusive infrastructure that supports both farmer participation and increased utilization of benefits by low-income households. Up to $4 million in federal funding will be distributed over three years through up to three cooperative agreements, with applicants required to demonstrate a clear strategy for supporting farmer adoption, deploying secure transaction systems, and creating direct pathways between SNAP participants and local food providers. The solicitation is open only to non-profits and higher education entities, with proposals due by July 31, 2026, and the award process managed by the USDA’s Food and Nutrition Service. Dawn Addison of the agency serves as the point of contact for inquiries, and the project’s performance is expected to span nationwide, supporting rural and urban food access equally through innovative, technology-driven solutions that prioritize affordability, security, and scalability.
Food And Nutrition Service

POSTED

7 days ago

DEADLINE

in 16 days
View Details
NAICS: 522320
Grant
Financial Counseling & Credit-Building ServicesThe contract seeks to deliver financial counseling, credit education, and targeted credit-building support to empower beneficiaries seeking financing for assistive technology. Services will focus on enhancing financial literacy, improving credit profiles, and guiding individuals through the process of securing affordable financing options, ensuring equitable access to essential mobility, communication, and daily living tools. The initiative is designed to remove financial barriers that prevent individuals with disabilities or chronic conditions from obtaining necessary assistive devices through structured, outcomes-driven support. This subcontract is issued under the Administration for Community Living, part of the U.S. Department of Health and Human Services, and falls under NAICS code 522320, indicating a focus on credit intermediation and related financial services. The opportunity was posted on June 22, 2026, with a deadline for responses set for July 22, 2026. No specific geographic limitations or set-aside provisions are outlined, and the place of performance and point of contact details are not provided, suggesting a potentially nationwide or flexible service delivery model. Subcontractors are expected to align their programs with the agency’s goals of promoting independence and inclusion through improved financial access.
Administration For Community Living

POSTED

23 days ago

DEADLINE

in 7 days
View Details
NAICS: 522320
Closed
SLED
Aircraft Financing CoordinationTexas Tech University is seeking a subcontractor to assist with identifying potential aircraft financing options and structuring financial proposals as needed. The contract, titled Aircraft Financing Coordination, is classified under NAICS code 522320 and is posted on the Texas SmartBuy platform with a response deadline of July 2, 2026. The scope of work focuses exclusively on providing advisory and coordination services related to aircraft financing, without any guarantee of procurement or implementation. The activity is not subject to a specific set-aside classification, and the performance location is not specified. Interested parties must submit their responses by the stated deadline through the designated Texas SmartBuy portal.
Texas Tech University

POSTED

26 days ago

CLOSED

12 days ago
View Details
NAICS: 522320
Closed
Canada
RFP EN891-261769 Cash Order ServicesThe Government of Canada, through Public Services and Procurement Canada on behalf of the Receiver General for Canada, is seeking qualified providers to deliver a Cash Order Service that enables federal organizations to access substantial amounts of currency and bank drafts for critical operational needs. The solicitation, identified by file numbers EN891-261769 and WS5647926855, is open exclusively to Canadian-based services with no security clearance requirements. Offers must be submitted by June 15, 2026, at 2:00 PM Eastern Time, and late submissions will not be accepted under any circumstances. The resulting contract will have a four-year term beginning at the date of award, with an irrevocable option to extend for one additional year, followed by a mandatory four-month transition period under identical terms and conditions. The North American Industry Classification System code for this requirement is 522320, and all performance must occur within Canada. Point of contact for inquiries is Ania Fitzsimmons of PSPC, reachable via email at ania.fitzsimmons@tpsgc-pwgsc.gc.ca.
Department of Public Works and Government Services

POSTED

about 1 month ago

CLOSED

29 days ago
View Details
NAICS: 522320
Closed
SLED
Automated Teller Machine (ATM) ServicesThe University of Wisconsin-Whitewater is seeking bids to establish a contract for Automated Teller Machine (ATM) Services. Interested vendors must submit their responses online through the state's bidding portal by July 3, 2026, at 3:00 PM. Details and bid documents are available on the Wisconsin procurement website, where bidders must actively search for this specific solicitation number (2026-UWWTW-01166-RFB) to access the relevant information. This solicitation does not specify any set-aside types or NAICS codes and is organized under the State and Local Government sector. Questions regarding this solicitation should be directed to Ryan Moore via email at moorer@uww.edu or by phone at 262-472-1633. The service will be provided within the state of Wisconsin, supporting the university’s operations. Key details such as the posting date of June 15, 2026, and the use of the ShopUW+ system for bidding underscore the formal and structured procurement process being followed by the University of Wisconsin-Whitewater.
UW-Whitewater

POSTED

about 1 month ago

CLOSED

11 days ago
View Details

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