NAICS Code 522320 — Financial Transactions Processing, Reserve, and Clearinghouse Activities

National Industry in the official 2022 North American Industry Classification System (U.S. Census Bureau). It is the only national industry under 52232 (Financial Transactions Processing, Reserve, and Clearinghouse Activities).

Code	522320
Title	Financial Transactions Processing, Reserve, and Clearinghouse Activities
Level	National Industry (6-digit)
Edition	NAICS 2022 edition
SBA size standard	$47 million in average annual receipts

Official definition (2022 NAICS)

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).

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

Cross-References.

Is a business under 522320 "small"?

Under the SBA size standards (13 CFR 121.201, effective March 17, 2023), a business classified in NAICS 522320 qualifies as a small business if it does not exceed $47 million in average annual receipts. Small-business status determines eligibility for federal set-aside contracts, SAM.gov certifications and SBA loan programs — receipts are averaged over the latest 5 fiscal years.

Where 522320 sits in the hierarchy

Level	Code	Title
Sector	52	Finance and Insurance
Subsector	522	Credit Intermediation and Related Activities
Industry Group	5223	Activities Related to Credit Intermediation
NAICS Industry	52232	Financial Transactions Processing, Reserve, and Clearinghouse Activities
National Industry	522320	Financial Transactions Processing, Reserve, and Clearinghouse Activities

Related SIC codes

Via the official U.S. Census concordance (1987 SIC ↔ NAICS), shown only where the industry definition is unchanged in NAICS 2022.

SIC code	Title
6099	Functions Related to Depository Banking, Not Elsewhere Classified
6153	Short-Term Business Credit Institutions, Except Agricultural
7389	Business Services, Not Elsewhere Classified

Data: official 2022 NAICS structure, descriptions and Census concordances, U.S. Census Bureau — U.S. government works in the public domain (17 U.S.C. §105). Suggested reference, not an official determination.