Big changes to the Nacha Operating Rules lie ahead in 2026, as risk management plays an ever-increasing role in the ACH Network. And to borrow a line from The Beatles, you might want to get by with a little help from your friends. In fact, collaboration is going to be key. 

Today, in celebration of National AAP Recognition Day, Nacha proudly recognizes the achievements of 327 newly accredited ACH Professionals (AAPs) who earned their credential by passing the 2024 exam.

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This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Sender is involved in the origination of transactions through the ACH Network.

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A TPS that has agreed with a Participating DFI to process Entries has certain, specific ACH Rule obligations, including the requirement to implement an ACH Risk Management Program.

The Third-Party Sender ACH Risk Assessment Workbook is designed to assist Third-Party Senders of all types in addressing their ACH risk.

Buy the Third-Party Sender ACH Audit Guide, get the TPS ACH Risk Assessment 50% off!

This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Sender is involved in the origination of transactions through the ACH Network.

Nacha has awarded Nacha Certified status for a second consecutive term to Paycor, a leading provider of Human Capital Management software.

The Nacha Risk Management Advisory Group (RMAG) held a series of discussions on the topic of Third-Party Senders (TPSs) and the ODFIs that process for them. RMAG developed sound business practices for ODFIs for both the onboarding of new TPS clients and the ongoing monitoring of existing TPS clients.

One Inc, which delivers a frictionless payment experience to over 165 insurance companies, has met the rigorous standards to become a Nacha Certified Third-Party Sender. 

Nacha has approved Nacha Certified status for Bill.com, a leading cloud-based software platform which facilitates ACH payments. 

Payroll impersonation and redirection fraud is a fact of life today, but Nacha has a new way to help fight it: The Payroll Credit formatting standard for ACH payroll files.

At 36 pages, the criteria for becoming a Nacha Certified Third-Party Sender “is a little daunting when you first look at it.”

That’s what Becky Wagner thought—though she’s quick to add that Nacha helped at every step of the way.