Opt-in Programs
Below is information on Nacha's Opt-in programs.

Request for Payment
Request for Payment allows businesses to send electronic invoices and receive corresponding payment and remittance through the ACH Network, supporting straight-through processing, creating efficiencies, and providing for cost savings.
XML-ACH Remittance (XML-ACH)
The XML-ACH allows businesses to safely and securely transmit ISO 20022 approved payment remittance information for B2B transactions in a standardized XML format via the ACH Network.