<div>
Please post back if you have any query.
</div>


<div>
<div class="content wysiwyg-content">
I developed some software which processes ACH payments. I am concerned about the overall security of ACH because the customer can make changes to the account (acct #, routing etc.). I was wondering if someone could share some guidance on the best way for a company like mine to protect itself from financial liability.<br />
<br />
I have considered enhanced auditing, time delays for changes and two-factor for changes. Consider the use case of a small shop where there are only one or two people at the company. We also process for large companies. Just trying to cover the bases and show due care. What works best to cover my company and my customer from fraud as well?
</div>
</div>


I developed some software which processes ACH payments. I am concerned about the overall security of ACH because the customer can make changes to the account (acct #, routing etc.). I was wondering if someone could share some guidance on the best way for a company like mine to protect itself from financial liability.

I have considered enhanced auditing, time delays for changes and two-factor for changes. Consider the use case of a small shop where there are only one or two people at the company. We also process for large companies. Just trying to cover the bases and show due care. What works best to cover my company and my customer from fraud as well?

ACH Software Development Best Practice

Software is any set of instructions that directs a computer to perform specific tasks or operations. Computer software consists of programs, libraries and related non-executable data (such as documentation). Computer software is non-tangible, contrasted with computer hardware, which is the physical component of computers. Software written in a machine language is known as "machine code". However, in practice, software is usually written in high-level programming languages than machine language. High-level languages are translated into machine language using a compiler or interpreter or a combination of the two.

Software

The cyber security specialization covers the fundamental concepts underlying the construction of secure systems, from the hardware to the software to the human-computer interface, with the use of cryptography to secure interactions. Cyber security refers to the protection of personal or organizational information or information resources from unauthorized access, attacks, theft, or data damage. This includes controlling physical access to the hardware, as well as protecting against the harm that may come via network access, data and code injection, and due to malpractice by operators, whether intentional, accidental, or due to them being tricked into deviating from secure procedures.

Cyber Security

Security is the protection of information systems from theft or damage to the hardware, the software, and the information on them, as well as from disruption or misdirection of the services they provide. The main goal of security is protecting assets, and an asset is anything of value and worthy of protection.  Information Security is a discipline of protecting information assets from threats through safeguards to achieve the objectives of confidentiality, integrity, and availability or CIA for short. On the other hand, disclosure, alteration, and disruption (DAD) compromise the security objectives.

Security

Web development includes all aspects of presenting content on intranets and the Internet, including delivery development, protocols, languages and standards, server software, browser clients, databases and multimedia generation.

Web Development

Web applications are systems that run in browsers that perform functions normally associated with other client-based programs. One of the most commonly used web applications is email; instead of downloading individual emails to a local machine, the data is shown through a website. Other examples of web applications are collaborative systems like a wiki or an online game.