522320 — Financial Transactions Processing, Reserve, and Clearinghouse Activities
Description
This industry comprises establishments primarily engaged in providing one or more of the following: (1) financial transaction processing (except central bank); (2) reserve and liquidity services (except central bank); and/or (3) check or other financial instrument clearinghouse services (except central bank) (as defined in the official U.S. Census Bureau 2022 NAICS Manual).
Illustrative Examples
- Automated clearinghouses, bank or check (except central bank)
- Credit card processing services
- Check clearing services (except central bank)
- Electronic funds transfer services, including peer-to-peer payment services
Exclusions & Cross-References
- Establishments primarily engaged in nonfinancial data and electronic transaction processing (except payroll
- processing services) are classified in Industry 518210, Computing Infrastructure Providers, Data
- Processing, Web Hosting, and Related Services;
- Establishments primarily engaged in providing payroll processing services are classified in U.S. Industry
- 541214, Payroll Services;
- Establishments of the central bank primarily engaged in check clearing and other financial transaction
- processing are classified in Industry 521110, Monetary Authorities-Central Bank;
- Establishments primarily engaged in credit card issuing and related financial transaction processing are
- classified in Industry 522210, Credit Card Issuing;
- Establishment primarily engaged in furnishing physical or electronic marketplaces for the purpose of
- facilitating the buying and selling of securities and commodities are classified in Industry 523210,
- Securities and Commodity Exchanges; and
Overview Facts
Legacy SIC Concordance
Trace the historical mapping chain from the 1987 Standard Industrial Classification (SIC) to the modern 2022 NAICS code format.
- SIC 6099 - Functions Related to Depository Banking, NEC (via SIC1987:6099→NAICS1997:52232→2002:522320→2007:522320→2012:522320→2017:522320→2022:522320)
- SIC 6153 - Short-Term Business Credit Institutions, Except Agricultural (via SIC1987:6153→NAICS1997:52232→2002:522320→2007:522320→2012:522320→2017:522320→2022:522320)
- SIC 7389 - Business Services (via SIC1987:7389→NAICS1997:52232→2002:522320→2007:522320→2012:522320→2017:522320→2022:522320)
Suggested Product Service Codes (Advisory)
The following Product Service Codes (PSCs) are advisory suggestions aligned with this NAICS code. Note: NAICS and PSC codes map to different dimensions of procurement (industry vs. product/service). There is no official binding 1:1 crosswalk.
- PSC R711 — Banking Services(includes accepting and cashing government checks and other payment instruments, accepting direct deposits, accepting payments to the government from the public)
Source: DoD DPCAP PSC Selection Tool (Ingested: 2026-06-29)
Frequently Asked Questions (FAQ)
Is NAICS code 522320 valid in 2022? ▾
Yes, 522320 is a valid 6-digit 2022 NAICS national industry code representing 'Financial Transactions Processing, Reserve, and Clearinghouse Activities' under Sector 52 in the official classification index.
What is the SBA size standard for NAICS code 522320? ▾
The Small Business Administration (SBA) has established a small business size standard of $47,000,000 for NAICS code 522320 (Financial Transactions Processing, Reserve, and Clearinghouse Activities), calculated based on receipts.
What is the legacy SIC equivalent for NAICS 522320? ▾
According to official Census Bureau concordance tables, NAICS code 522320 (Financial Transactions Processing, Reserve, and Clearinghouse Activities) maps to legacy 1987 Standard Industrial Classification (SIC) codes: 6099 - Functions Related to Depository Banking, NEC, 6153 - Short-Term Business Credit Institutions, Except Agricultural, 7389 - Business Services.
Related Pages & Tools
Further regulatory reference links for NAICS code 522320:
- Sector 52 Directory Hub — List of related industries in the Finance and Insurance sector.
- SIC ↔ NAICS Crosswalk Tool — Look up mappings between legacy SIC codes and modern classifications.
- NAICS 522320 to SIC Crosswalk — Bidirectional mapping to legacy SIC codes (Financial Transactions Processing, Reserve, and Clearinghouse Activities).
- SBA Size Standards Guide — Complete rules and averaging periods for small business classifications.
- Calculating Annual Receipts Guide — Detailed worked example of revenue calculation rules.
- IRS Principal Business Activity Guide — How NAICS codes map to corporate and entity tax filings.