Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. Thirty billion ACH Network payments were made in 2022, valued at nearly $77 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services. To do all of this, we rely on the heart of Nacha – our people and Core Values.
In addition to our oversight of the modern ACH Network, Nacha does much more. As a rule writer within the payments space, we are open and transparent by providing numerous ways for stakeholders to have a voice in the development process, which fosters compatibility and integration in the payments system.
The ACH Network
The ACH Network electronically moves money and related payment information from any financial institution account to another in as little as a few hours with Same Day ACH or one to two days (as designated by the sender) with standard ACH. Nacha develops and administers the private sector Nacha Operating Rules for ACH payments, which define the roles and responsibilities of ACH Network participants. Nacha continues to safely grow and enhance the use of ACH payments through collaboration and innovation.
Nacha provides many services that support the use of the ACH Network:
Risk Management Portal
Risk Management Portal: A single resource to access Nacha risk management services and databases, including Third-Party Sender Registration, Direct Access Registration, Terminated Originator Database, and the ACH Contact Registry.
Risk Management Framework
The Risk Management Framework identifies themes in payments risk management and areas of focus that address new and persistent frauds that increasingly make use of various types of credit-push payments, including ACH credits, wires, cards, and other instant and digital payments.
Nacha Certified is a voluntary certification program for Third-Party Senders to demonstrate that they have solid risk and compliance programs, stability, sound governance, and strong core ACH practices.
Rules Enforcement and Arbitration
Rules Enforcement and Arbitration has a dedicated team that works to promote compliance with the Nacha Operating Rules, and to address claims of non-compliance and resolve disputes.
If you're a consumer with a question about ACH payments, please check our FAQs.
Healthcare Electronic Funds Transfer
The Healthcare Electronic Funds Transfer (EFT) standard supports electronic claim payments and remittance information between health plans and health care providers, accelerating cash flow and simplifying reconciliation for providers.
The Quest Operating Rules for Electronic Benefits Transfer (EBT) enable the distribution of government benefits regardless of state borders. Government entities incorporate the rules in their contracts with private sector service providers. Nacha administers the Quest Operating Rules and works with all interested parties to develop additional standards for related programs.
Nacha leverages and deploys technologies and resources to advance payments system innovation and interoperability. Nacha consults and partners with our diverse stakeholders to evolve payments to be easy, safe, reliable, and fast.
Phixius is a peer-to-peer network service that provides for the exchange of payment-related information, principally in the areas of risk management and fraud prevention. In 2022, the Phixius network moved more than 2 million payment-related transactions and reached more than 1,700 financial institutions and 10,000 businesses.
Nacha Consulting offers payments advisory to organizations of all sizes - corporations, financial institutions, fintechs and others - to help them optimize, grow and expand existing products/services as well as develop new offerings. Services include ACH assessments that provide an end-to-end review of ACH policies, procedures and risk controls to identify gaps in compliance/industry best practices. The team also conducts product reviews to support successful integration with the ACH Network and other payment rails, and provides payments strategy and custom education.
Afinis Interoperability Standards is a Nacha membership-based standards organization that develops implementable, interoperable, and portable financial services standards across operating environments and platforms. Afinis has developed more than 20 APIs, which are part of more than 1.5 million API transactions.
Nacha is a leader in payments education. We provide education and training in both in-person and virtual settings for financial industry professionals looking to expand their skills and knowledge of payments.
In-person events offer robust educational offerings along with unique professional networking opportunities and the best-in-class payments solutions/offerings to meet your business’ needs.
Smarter Faster Payments
Smarter Faster Payments Conference is Nacha’s annual conference, providing unparalleled payments education, a dynamic exhibit hall and valuable networking opportunities. This industry event is designed for diverse organizations (ranging from corporates/governments, financial institutions and solution providers) and individuals (payments practitioners, operations, product development and management, risk, legal and executives) interested in driving innovation, delivering value through new solutions and services, and employing these offerings to meet their business needs and/or those of their customers.
TPI On Campus is a unique in-person educational event for all levels of payments professionals to boost their payments expertise through academic programs. Students design their own custom curriculum from topic-focused schools of study, including Nacha accreditation exam prep.
Virtual events provide quality Nacha payments education just as the in-person events, but are accessible from anywhere.
Payments Remote Connect
Payments Remote Connect is the ideal event for those seeking to attend the industry’s premier payments conference but are unable to travel. Remote Connect delivers nearly 50 interactive sessions, and engagement opportunities including a multitude of sessions with live speaker Q&A, lunch and learns and more. Access to session content is available to attendees following the event, at no additional cost.
TPI Home School
TPI Home School virtually delivers the quality content of the TPI On Campus and provides payments professionals with the opportunity to select courses based on their needs, or with the ability to follow along with a particular school of study. Students receive actionable takeaways that can be immediately implemented in their organization.
ACH Legal & Compliance Summit
A one-of-its-kind virtual event, the ACH Legal & Compliance Summit is designed to keep legal, risk and compliance professionals informed on the latest in ACH compliance and regulations in the payments industry. This event is geared for payments compliance professionals and payments industry attorneys from all organizations.
Distance Learning provides convenient, virtual options for both live and on-demand educational content by utilizing multimedia presentation platforms and other tools to foster engagement between attendees and presenters.
Payments IQ by Nacha
PaymentsIQ by Nacha is a subscription-based on-demand educational platform with more than 120 on-demand payments courses covering hot topics including faster payments, emerging innovations and technologies, risk management and compliance, professional development and more.
Webinars deliver tailored education for new and seasoned payments professionals, and are offered in both live and on-demand formats.
Accredited ACH Professional
The Accredited ACH Professional (AAP) is a professional accreditation designating that an individual has demonstrated a comprehensive knowledge of all areas of ACH, a deep understanding of and experience in one or more specific ACH subjects, and a broad knowledge of concepts that relate to the payments system.
Accredited Payments Risk Professional
The Accredited Payments Risk Professional (APRP) is a professional accreditation designating that an individual has demonstrated a comprehensive knowledge of risk management strategies, concepts, and mitigation techniques within the payments ecosystem, while mastering the complexities of risk management across all payment types, including emerging and alternative.
Accredited Faster Payments Professional
The Accredited Faster Payments Professional (AFPP) will be a professional accreditation program designating that an individual has demonstrated a comprehensive knowledge of faster payments including operations, risk management, and platform characteristics. The program is designed for payments professionals seeking to advance their career in faster payments, including Same Day ACH, instant and push-to-card debit payments.
Faster Payments Professional Certificate
The Faster Payments Professional (FPP) certificate is a first-of-its-kind program providing professionals with holistic views of faster payments and getting them acquainted with current offerings. Earning this certificate demonstrates proficiency in the faster payments field. Training is available through the nation’s Payments Associations.
Nacha produces the Nacha Operating Rules & Guidelines and other payment-related publications, guides, and training materials in hard copy and digital formats.
Nacha unites diverse provider and end-user organizations to advance understanding and accelerate collaboration for payments interoperability and innovation.
Nacha Direct Member
Nacha Direct Members, comprised of financial institutions and Payments Associations, shape and influence the governance and direction of the ACH Network and the Nacha Operating Rules.
Payments Innovation Alliance
The Payments Innovation Alliance is a diverse membership group of domestic and international organizations from financial institutions, fintechs and corporates that are united in driving payments innovation through discussion, debate, education, networking, and special projects. The Alliance incubates new ideas and initiatives to advance the industry.
Nacha Affiliate Program
The Affiliate Program is an information-only membership option for organizations wanting to stay current and expand their knowledge of the Nacha Operating Rules.
Nacha Preferred Partner
The Preferred Partner program is comprised of organizations whose offerings align with the Nacha’s core strategy of advancing the ACH Network. Preferred Partners have earned Nacha’s recognition for their leadership and innovation toward achieving this goal.
Jane Larimer, President and CEO
Jane Larimer is President and CEO of Nacha, which governs the modern ACH Network, the payment system that quickly and safely moved 30 billion payments in 2022. Nacha also develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.
Jane has led Nacha since July 2019, guiding the association as it builds consensus to further innovation in the payments industry. Jane has been recognized for her work in advancing the ACH Network and for Nacha as a leader in payments education. In 2022 and 2023, Jane was named one of Washington DC’s Most Influential People by Washingtonian Magazine, and in 2021, she was named one of the Most Influential Women in Payments by PaymentsSource.
An Ohio native raised in Florida, Jane joined Nacha as its first in-house counsel and has also served as the association’s chief operating officer and executive vice president of ACH Network Administration.
Jane holds a law degree from the University of Florida – Fredric G. Levin College of Law. Prior to Nacha, Jane practiced law in Atlanta at a firm now known as Bryan Cave LLP.
Nacha Board of Directors
The Nacha Board of Directors provides strategic guidance related to the modern ACH Network and the governance of Nacha as an industry association. The Nacha Board consists of executives from large and small banks and credit unions who represent Nacha’s Direct Financial Institution Members, Payments Innovation Alliance, and the family of Payments Associations that support and provide a voice for thousands of organizations across the country that use and benefit from the ACH Network.
ACH Network Advisory Board
The ACH Network Advisory Board serves as a venue for senior executives from a balanced cross section of corporations, fintechs and other technology providers to communicate directly with the Nacha Board of Directors. The ACH Network Advisory Board engages in dialogue with representatives of the Nacha Board and provides input and feedback on topics significant to the ACH Network and to those who use or support and enable the use of ACH payments by others.
Nacha has continually engaged diverse non-financial institution organizations through membership programs, industry outreach, and various groups and channels within Nacha rulemaking on the development of the ACH Network and the Nacha Operating Rules. The ACH Network Advisory Board is an integral part of this engagement. Contact us for more information.
The heart of Nacha is its people and dedication to enabling payments that securely reach virtually every American.
Learn more about our Core Values.
Join our Team
Named as one of the Best Places to Work in Virginia five years in a row – Nacha uniquely looks upon its employees as its most valued asset, and continually promotes a culture of employee engagement and collaboration. Visit our position openings at: