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.


The mission of Southern Financial Exchange (SFE) is to provide education, risk and compliance services, advocacy, and consultative expertise to the financial institutions and organizations we serve, through a collaborative partnership with our members and industry leaders.


Southern Financial Exchange aspires to be the number one provider of payments education, audit and risk management services, and consultative expertise for financial institutions and payments providers. We will do so consistent with a set of core values that create trust and value for our member institutions.

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.