Built by operators, not a product committee.

BankChangeGuard came out of agency work with SMB finance teams that push money through QuickBooks Online, Xero, and BILL. The same pattern kept showing up: a vendor "updates their bank," someone updates the vendor record, and a five- or six-figure ACH lands in an account nobody verified out-of-band.

The enterprise products that solve this (Trustpair, Eftsure, Paymentworks) use enterprise pricing with custom-quote sales cycles. Most small finance teams cannot justify that. So with Nacha Phase 2 about to require documented vendor-verification controls from every ACH originator, we built the version those teams can actually use: flat $99/month, QuickBooks-first, callback verification with an audit PDF, no phone-call sales.

BankChangeGuard is deliberately small and focused. Decisions are fast, support replies come from the people who build the product, and the feature set stays close to real customer workflows. Voice attestation, multi-company agency view, and Xero and BILL support follow the QuickBooks Online launch.