VigilPay is an autonomous AI agent that monitors your ACH transactions 24/7, enforces NACHA compliance, and catches fraud patterns humans miss — automatically.
NACHA's Phase 2 fraud monitoring rules take effect. Every organization sending ACH payments must have documented, risk-based fraud procedures in place — or face enforcement action.
Large-originator rules took effect March 20, 2026. Phase 2 extends requirements to all originators regardless of volume.
Payment change requests processed without verification. No alerts for unusual activity. Staff unaware of ACH fraud tactics. That's how losses happen.
ACH fraud moves fast. By the time a human reviewer sees a suspicious transaction, the funds are gone. You need an agent that's always watching.
Integrate with your payment gateway, ERP, or treasury system via API. VigilPay ingests your ACH transaction stream in real time — no rip-and-replace of your existing infrastructure.
VigilPay applies behavioral models and pattern detection to every transaction. It learns your normal payment flows — vendor patterns, employee behavior, timing — and surfaces deviations instantly.
When a transaction crosses a risk threshold, VigilPay acts. It holds the payment, notifies your team, or blocks fraudulent activity — based on rules you configure.
Every transaction gets evaluated against documented, risk-based procedures. VigilPay generates the audit trail Nacha requires — timestamped decisions, evidence logs, review records — automatically.
Behavioral anomaly detection flags payment change requests, unusual vendor activity, and payroll diversion attempts before they clear. Trained on the fraud typologies Nacha explicitly names.
No humans required to catch the 2am payroll diversion. VigilPay runs continuously, applies your compliance rules, and only escalates when it genuinely needs a human judgment call.
Every decision is logged with full context — what was flagged, why, what the agent did, what the outcome was. Exportable for internal audits, regulatory exams, and Nacha inquiries.
Most businesses are scrambling to cobble together manual review processes, email chains, and spreadsheets to meet the June 22 deadline. That's not a compliance program — that's a liability.
VigilPay gives you a documented, defensible, automated compliance framework that Nacha can't argue with — because it does the work a team of analysts can't do at scale.
Every day you delay, your team is managing payment risk manually — and losing. VigilPay is built for the compliance reality of 2026, not the one that existed in 2019.
If you're processing ACH and you don't have autonomous fraud monitoring in place before June 22, you're not just non-compliant. You're exposed.