Managing the ACH Network

NACHA Unites Stakeholders to Foster an Innovative, Reliable ACH Network

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NACHA’s multifaceted role in the payments industry involves both administrating the ACH Network and acting as an industry trade organization.

NACHA’s self-regulatory structure, as well as its leadership and engagement of wide-ranging Network participants, has helped make the Network both ubiquitous and highly secure. NACHA administers and facilitates private-sector operating rules for ACH payments, which define the roles and responsibilities of financial institutions and other ACH Network participants.
As a not-for-profit association, NACHA also represents nearly 10,000 financial institutions via 11 Regional Payments Associations and Direct Membership. Through the Payments Innovation Alliance, accreditation programs, conferences and educational offerings, NACHA unites payments systems stakeholders, fostering dialogue and strengthening the ACH Network together.

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History of NACHA

Originally conceived of and created by collaboration between several ACH Associations in 1974, NACHA has evolved from a set of ACH rules and regulations to the Network governing body it is today. Throughout all of our growth, the safety and security of electronic payments has always been the first priority.

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Administrator of the ACH Network

As the ACH Network administrator, NACHA is responsible for three areas:

  • NACHA Operating Rules: We manage an inclusive, disciplined rulemaking process in order to establish rules that are both fair and equitable. Those Rules provide the legal foundation for the ACH Network.
  • ACH Network enforcement and risk management: We strike a balance between risk management and continued innovation in the ACH Network, allowing our participants to trust the security of the Network. To address risk and Rules enforcement, we rely on informed perspectives from all Network participants, education and research, and clear channels of communication and collaboration.
  • ACH Network development: We unite payments systems stakeholders through the Payments Innovation Alliance, opt-in programs and strategic initiatives that pursue innovative uses of the Network. Our goal is that every organization with an interest in electronic payments has the opportunity to engage in dialogue and education surrounding the ACH Network, which in turn strengthens that Network. 

This Network maintenance allows billions of Direct Deposit and Direct Payment transactions to be sent via ACH, giving consumers and businesses continued confidence in making account-to-account transfers.

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Industry Trade Organization

NACHA also acts as an industry trade organization, providing services in three areas:

  • Education and accreditation: Together with Regional Payments Associations, we help industry professionals expand their knowledge, benefitting the individual as well as his or her company. NACHA’s national-level training complements training offered by RPAs.
  • Industry engagement: We work with depository financial institutions, business and government end users, innovators and solution providers, and key external organizations to consistently communicate the value and best use of electronic payments. By using research and industry trends and insights, we engage payments professionals in sustaining a strong Network that continues evolving to meet end user needs.
  • Communications and advocacy: Collaboration with other industry trade groups and policymakers allows us to create Network advocacy messages and resources for use by all. That advocacy and communication, in turn, preserves the positive attributes of private-sector rulemaking and helps all affected groups understand the benefits of the Rules

NACHA’s role as an industry trade organization allows us to work both with and for you, preserving a secure ACH Network while simultaneously taking your voice into account.