Nacha Certified

Nacha Certified is a voluntary accreditation program for Third-Party Senders that meet certification standards that demonstrate you’re meeting Nacha’s standards for sound core practices in ACH payment processing.
What is Nacha Certified?

All Third-Party Senders that have been in payments processing for at least two years are eligible to become Nacha Certified. 

You’ll have to show Nacha that you are meeting certification standards that signal strong core practices and corporate governance. It’s a rigorous process, but not onerous, and Nacha is there to help. When you become Nacha Certified your customers, financial institutions and peers will know you’re meeting Nacha’s standards for sound core practices in ACH payment processing.

You’ll be in Good Company

Be sure to look for a Third-Party Sender displaying the Nacha Certified seal to know you’re working with the best in the business.

These companies have become Nacha Certified and can speak to its value. If you’re a Third-Party Sender that’s not in this elite group, the question is why?

ACI Payments

logo of bill dot com

Netchex logo

One Inc





cbiz logo

Orum logo


We Can Help

You won’t go it alone. Nacha is here to help every step of the way as you become Nacha Certified. Contact us to learn more.


Becoming Nacha Certified demonstrates that as a Third-Party Sender, your company has met Nacha standards that include a solid risk and compliance program, stability, sound governance, and has strong core ACH practices in place.

Your company’s initial application includes:

  • certifying that it has been in business at least two years;

  • authorizing Nacha to perform background checks of key individuals from your company or an attestation and documentation of applicable background checks already preformed;

  • providing the two most recent audited annual financial statements, and most recent quarterly financial statement; and  

  • providing a completed copy of your most recent Nacha Operating Rules Audit.

Then your company will need to attest that it meets the Nacha Certified baseline criteria, which includes:

  • demonstrating adoption and implementation of robust compliance and risk management programs;

  • showing compliance with the Nacha Operating Rules’ return rate requirements;

  • providing attestation that your company has appropriate disaster recovery and business continuity plans in place, and insurance coverage;

  • having qualified staff in place who are responsible for ACH operations, and a training program for employees and contractors on the Nacha Operating Rules; and

  • demonstrating sound corporate governance and management with appropriate years of experience.

To learn more, download Nacha Certified detailed criteria.