About Us

Southern Financial Exchange is a not-for-profit payments association serving individuals, financial institutions and corporations primarily in Alabama, Arkansas, Louisiana, Mississippi, and Tennessee.

We offer membership to stakeholders in the payments industry: financial institutions, software vendors, payment processors, CPA firms, law offices and other corporations.


Our mission is to provide leadership, education and innovative, cost-effective products and services for the mutual benefit of our members and their customers.

We provide every member the latest information and highest quality payments-related training possible to reduce risk, expenses, and increase income. In addition to being the member resource for training and information, we are also committed to marketing the use of electronic payments; including ACH, Card, Check, Wire and Faster Payment solutions. Southern Financial Exchange advocates for the usage of the ACH Network as a solution for businesses wishing to leverage the use of the ACH as a tool for being even more competitive in the marketplace.

We provide exceptional customer support, quality educational services, compliance services and active participation on industry initiatives, leveraging partnerships to strengthen our influence with industry stakeholders.

The Mark of Excellence

Nacha Logo RGB 5.20.19

Southern Financial Exchange, as a direct member of Nacha, is a specially recognized and licensed provider of ACH education, publications and support. Southern Financial Exchange is also directly engaged in the Nacha rulemaking process, the Accredited ACH Professional (AAP) program and the Accredited Payments Risk Professional (APRP) program. Look for the Mark of Excellence above. It's your assurance of consistency and accuracy.

If you are not a Southern Financial Exchange member, we encourage you to become a member and take advantage of the value that Southern Financial Exchange (SFE) can add to your electronic payments program. As the movement to electronic payments accelerates, as the variety of electronic payment applications multiplies, and as the complexity of related rules and regulations increases, Southern Financial Exchange's expertise is an asset you cannot afford to be without.

Center for Payments Logo

Southern Financial Exchange is a sponsor of the Center for Payments, a program working to advance the U.S. payment systems through market intelligence and thought leadership.