Legal & Compliance Event
Register now for the Payments Legal & Compliance Summit, Dec. 4-5.
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Join Us for Smarter Faster Payments 2025!
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Request for Comment and Information
We value your input. Provide your comments on a Rule to add a fourth daily Same Day ACH window to align with end of business day in the Pacific time zone and weigh in on other 'faster ACH' topics. Learn more and respond by Dec. 13, 2024.
Latest News and Events
What is Nacha?
Nacha develops the rules that enable Direct Deposits and ACH bill payments. And as a payments industry leader we do much more, including education, accreditation, and advisory services.
Every year, the ACH Network safely moves billions of payments worth trillions of dollars, including wages, government benefits, insurance claims, mortgage and other bill payments, and more. With options including same day and next day settlement, ACH is trusted by businesses, governments and consumers to get funds where they need to be, when they need to be.
One of the few certainties in the payments industry is that it’s always changing, so the pros need to stay at the top of their game. Nacha helps them do that with unparalleled educational opportunities that work with your schedule. Whether you attend in-person events and take advantage of great networking, or go virtual and learn on demand, Nacha has the education you need, on your terms.
Your organization deserves a say in the future of payments. Nacha membership affords that. From banks and credit unions of all sizes to government entities, corporations, fintechs and more, there’s a membership that will work for you. Learn about the different types of Nacha memberships available and how to help shape the future of payments.
Nacha has several ways to enhance payments and reduce friction. Nacha Consulting professionals have expertise in everything payments—domestic and international—as well as rule writing, custom training, and more. Phixius is a trusted peer-to-peer network where businesses can instantly and securely exchange and verify payment-related information. Afinis Interoperability Standards works to advance API standardization and other financial services standards that enhance the efficiency and security of today’s modern financial industry.
Leverage these educational tools and resources that provide actionable information.
Direct Deposit
It might well be the best-known feature of ACH. What could be easier than having your wages, tax refunds, government benefits and more placed safely and securely into your bank account? Direct Deposit makes that possible. No checks to cash and then to clear. Your funds are available immediately. Whether you know it as Direct Deposit, electronic funds transfer (EFT) or e-check, it all comes down to the same thing: a safe, reliable way to get your money.
PaymentsIQ by Nacha
Online payments education that works with your schedule. Study what you want, at your pace, with courses that are typically about 20 minutes long. PaymentsIQ by Nacha offers more than 140 courses covering a range of payments topics.
Risk Management Portal and ACH Contact Registry
ACH Network participants looking to log in to Nacha’s secure Risk Management Portal should click Learn More. The Portal includes the ACH Contact Registry, Third-Party Sender Registration, Direct Access Registration, and the Terminated Originator Database. By using the Portal, ACH Network participants can help enhance ACH Network quality and security, fueling innovation and the continued growth of the ACH Network.
New Rules to Address Credit Push Fraud
New Nacha Operating Rule changes are intended to reduce the incidence of frauds, such as business email compromise (BEC), or impersonation schemes, that make use of credit-push payments. The new Rules will impact all financial institutions and establish a base-level of ACH payment monitoring on all parties in the ACH Network (except consumers).
Resources for Corporates and Governmental Organizations
Get ACH payments resources for treasury and finance payments practitioners and payroll professionals at corporations, larger businesses, and federal, state and local governmental organizations.
B2B Payments
Businesses have their share of expenses, particularly paying suppliers. When they skip the checks and pay online, that’s a Business-to-Business payment, or B2B.