NAICS 522320: Financial Transactions Processing, Reserve, and Clearinghouse Activities
Financial Transactions Processing, Reserve, and Clearinghouse Activities is NAICS code 522320. A business is small under it with $47 million or less in average annual receipts. No federal contracts are open under this code right now.
- SBA size standard
- $47 million or less in average annual receipts
- Open contracts now
- 0
- Federal spending, FY2025
- $162 million
- Share won by small businesses
- 34%
- Small businesses registered
- 278
What NAICS 522320 covers
The Census Bureau's NAICS index lists these kinds of work under 522320:
- Automated clearinghouses, bank or check (except central bank)
- Automated Teller Machine (ATM) or Automated Loan Machine (ALM) network operation
- Bank clearinghouse associations
- Central reserve financial institutions (except central bank)
- Check clearing services (except central banks)
- Check clearinghouse services (except central banks)
- Check validation services
- Clearinghouses, bank or check
- Credit card processing services
- Electronic financial payment services
- Electronic funds transfer services, including peer-to-peer payment services
- Financial transactions processing (except central bank)
- Processing financial transactions
- Reserve and liquidity services (except central bank)
Read the full definition, including what's excluded, on census.gov.
SBA size standard for 522320
To count as a small business for a contract assigned NAICS 522320, your business must have $47 million or less in average annual receipts. Receipts are averaged over your last five completed fiscal years.
From SBA's table of size standards, effective Mar 17, 2023. Confirm it with SBA's size standards tool before you certify your size.
Who buys financial transactions processing, reserve, and clearinghouse activities
Agencies that awarded the most under NAICS 522320 over the last three fiscal years, per USAspending.gov:
| Agency | Obligated |
|---|---|
| Department of Education | $310 million |
| Consumer Financial Protection Bureau | $48.4 million |
| U.S. Immigration and Customs Enforcement | $13.6 million |
| U.S. Customs and Border Protection | $5.6 million |
| Department of State | $1.9 million |
| National Park Service | $1 million |
| Department of Veterans Affairs | $562,951 |
| Defense Commissary Agency | $409,500 |
Your competition
278 businesses with active SAM.gov registrations are rated small under NAICS 522320, most of them in Florida (34), Virginia (32), Texas (27), California (24) and Georgia (17). Look any of them up with the free CAGE code and UEI lookup.
Federal spending under 522320 by year
| Fiscal year | Contract obligations |
|---|---|
| FY2024 | $134.6 million |
| FY2025 | $162 million |
| FY2026 | $87.2 million |
| FY2027 (so far) | $0 |
Source: USAspending.gov, all contract awards with this NAICS code. Fiscal years start October 1.
Related NAICS codes
- 522310 Mortgage and Nonmortgage Loan Brokers
- 522390 Other Activities Related to Credit Intermediation
Frequently asked questions
What is NAICS code 522320?
522320 is the 2022 NAICS code for Financial Transactions Processing, Reserve, and Clearinghouse Activities. The Census Bureau's index lists work such as automated clearinghouses, bank or check (except central bank), automated teller machine (atm) or automated loan machine (alm) network operation, bank clearinghouse associations under it. Federal contracting uses the 2022 codes.
What is the SBA size standard for NAICS 522320?
$47 million or less in average annual receipts. A business at or under that is small for contracts assigned this code. The current SBA table took effect Mar 17, 2023.
Are there government contracts for financial transactions processing, reserve, and clearinghouse activities?
None are open on SAM.gov right now, but new notices post daily. You can set up a free alert for this code.
How do I add NAICS code 522320 to my SAM.gov registration?
Update your entity registration on SAM.gov and add the code on the Goods and Services page, in the Assertions section. You can list several NAICS codes and mark one as your primary. Changes are free.
Keep going
- Search other NAICS codes by keyword or company
- How to choose NAICS codes for government contracts
- NAICS codes with the most open federal contracts
FedReady is an independent company, not affiliated with SBA, SAM.gov, the Census Bureau or any government agency. Open-contract counts come from SAM.gov and update daily; spending figures come from USAspending.gov.