NAICS UNIVERSITY · Free research for insurance agents
Financial Transactions Processing, Reserve, and Clearinghouse Activities
NAICS 522320 · United States · 2022 edition
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).
Activities described by this code
- Automated clearinghouses, bank or check (except central bank)
- Credit card processing services
- FINANCE AND INSURANCE 427
- Check clearing services (except central bank)
- Electronic funds transfer services, including peer-to- peer payment services
Other activities to examine
Census classification reference
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Compare another operationInsurance operations research — draft
Establishments in this class process financial transactions electronically — including credit and debit card authorizations, ACH transfers, peer-to-peer payments, and check clearing — on behalf of banks, merchants, and other financial institutions. Day-to-day operations center on maintaining secure transaction platforms, managing settlement flows, and meeting regulatory and network compliance obligations.
Questions to investigate
- What types of transactions are processed — ACH, card, check clearing, peer-to-peer, or a combination?
- What is the approximate annual transaction dollar volume processed?
- Is the operation currently PCI-DSS certified, and at what level?
- Are there contractual indemnification obligations to financial institution or merchant clients, and what are the caps?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.