Opt-in Programs

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The flexibility and adaptability of the ACH Network have provided a platform to support innovation and growth in electronic payments. Opt-in programs allow for individual Network participants to identify new opportunities to use the ACH Network to meet business needs. NACHA has several opt-in programs in use that increase value for Network users by supporting innovative processes, creating business efficiencies and cost savings.

 


State Tax Refund Return Opt-In Program

The State Tax Refund Return Opt-In Program was developed by the State Revenue Agencies and NACHA to make it easier for financial institutions to return tax refund credits in cases of suspected error or fraud.

ACH Payments Directory

NACHA's ACH Payments Directory enables financial institutions and related vendors to seamlessly route online ACH bill payments to billers and for billers and bill service providers to receive efficient, quality bill payments.

QR Bill

QR Bill is an industry effort developed by NACHA designed to transform consumer bill payment through the standardized use of Quick Response (QR) codes.

Bill Pay Exception Mitigation (BPE)

NACHA’s Bill Pay Exception Mitigation Opt-in Program is designed to mitigate the increasing volume of bill payment exceptions originated to billers through online banking channels.

IRS Refund Return Opt-In Program

The IRS Refund Return Opt-In Program was developed by the IRS and NACHA to make it easier for financial institutions to return tax refund credits in cases of suspected error or fraud.

XML-ACH Remittance (XML-ACH)

NACHA’s XML-ACH Program 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. 

Deposited Check Truncation (DCT)

DCT is a program that enables financial institutions to use the ACH Network to electronically collect low-value consumer checks.

Electronic Billing Information Delivery Service (EBIDS)

EBIDS is an ACH Network solution developed to increase the availability of electronic bills for consumers.

Secure Vault Payments® (SVP)

SVP is a private and secure payment alternative that enables consumers to make purchases and bill payments using their financial institution's online banking platform.