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.
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.
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.