Tracking the movement of organizational data is necessary to reduce losses, mitigate risk and protect your reputation. XRoads™ from Fiserv is an end-to-end outsourced file transfer service providing advanced tracking that optimizes your data delivery oversight capabilities and delivers the automation and control required to reduce expenses. 

As file transfers grow in size and in number, so does your need to monitor and manage a larger infrastructure across more locations. Increased data volume brings a boost in issues and exceptions – taxing your ability to quickly resolve them and maintain satisfaction levels.

XRoads provides a flexible, cost-effective, outsourced data delivery solution that can help you improve productivity and collaboration among your vendors, partners, and members or customers by enabling the quick, easy and secure exchange of sensitive business data.


In addition to transmission services, XRoads offers specialized capabilities to meet the specific needs of your business, including ACH services and automated EDI report delivery.

Reduce operational cost and errors.
Focus on managing your business.


Detect Issues Faster

  • Detects problems immediately after data is received – before being sent to the processing system
  • Precise error reporting aids in rapid data repair
  • Proactive detection decreases processing delays

Ensure Data Security and Compliance

  • Peace of mind with end-to-end encrypted transfer and storage of data and files
  • Protect sensitive client data via PCI DSS-compliant service


Boost Efficiency

  • Automated transfer process eliminates uncertainties associated with manual methods
  • Provides real-time visibility for managing data transfers



Reduce Costs

  • Outsourced consolidated delivery works to eliminate unnecessary costs from multiple connection points and in-house IT support


Partnering with multiple vendors lets you offer a wider range of products to customers, but all the different file requirements, schedules and integration points can be cumbersome to manage. XRoads acts as a single hub to translate source files to meet individual endpoint vendor requirements, detect duplicate files prior to downstream delivery and ingestion and securely deliver files to meet shorter processing windows.

XRoads Modules

XRoads: Transmission Services
The base XRoads service allows you to consolidate data delivery into a single connection point for your business, eliminating unnecessary costs associated with multiple connection points and in-house IT support. This outsourced, scalable file transmission service facilitates efficient file movement between your business, vendors and processors while also offering data verification, scheduling and 24/7 monitoring and support. Download the brochure

XRoads: ACH Service
Automates the otherwise manual process of uploading your Automated Clearing House (ACH) files into the Federal Reserve Bank (FRB) website tasks using robust, secure connectivity methods. Fiserv subscribes to the FRB's Fedline Direct® service, providing a highly secure and highly available computer-to-computer interface to Federal Reserve Financial Services, automating your ACH processes and saving your employees valuable time while ensuring your ACH accounts are balanced and meet regulatory requirements. Download the brochure

XRoads: Commercial Payment Interface
Provides an alternative to manually uploading and downloading files from a cash management site or entering data into templates that create ACH or AR payments, enabling you to provide this valuable service to commercial clients. Clients can send the standard output from their accounting systems to Fiserv, and we translate the data to the required input for your payment processing systems. Download the brochure

XRoads: Automated EDI Report Delivery
Delivers the Electronic Data Interchange (EDI) information you need in an easy-to-read format. Download the brochure

XRoads: Extension Remote Services
Extends the advanced features of XRoads to run in-house at your facility, enabling your financial institution to completely outsource all file transmission-related tasks to Fiserv. Maintain more control over your file transmission operation while benefitting from the monitoring, tracking and security features of XRoads. Download the brochure

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