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. 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, and no phone-call sales.

BankChangeGuard is deliberately small and focused. Decisions are fast, and the people who reply to your support email are the people who build the product. Voice attestation, multi-company agency view, and Xero and BILL support follow the QuickBooks Online launch.