Nacha Resources

Nacha offers numerous resources to help you stay up-to-date on industry regulations and expand your skills and knowledge of payments systems. Flexible resources allow you to pursue education when and how it’s convenient for you.

Featured Resources

Faster Payments 101 is an updated version of the Introduction to Faster Payments in the U.S., an industry resource developed by Nacha and its Payments Association member organizations in 2017. The Alliance’s Faster Payments Playbook Project Team has enhanced the tool as part of its broader effort of developing actionable tools to help advance faster payments in the U.S. market.

HERNDON, Va., Nov. 1, 2018 – The number of ACH payments totaled more than 5.6 billion in the third quarter of 2018, a 6.7 percent increase over Q3 2017, according to NACHA. The ACH Network’s strong performance is driven in large part by online and business-to-business (B2B) payments.

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Parish National Bank Receives Nacha's 2006 ACH Quality Award for Hurricane Katrina Response

April 24, 2006
HERNDON, Va., April 24 -- Nacha-The Electronic Payments Association will award its 2006 Kevin O'Brien ACH Quality Award to Parish National Bank of Covington, Louisiana, in recognition of its disaster and business continuity planning and its remarkable efforts to provide its customers with automated clearing house (ACH) payment services in the aftermath of Hurricane Katrina.
Press Release

Interpretive Rule

January 13, 2006
This amendment modified the Nacha Operating Rules to explicitly state that Nacha’s Board of Directors has the authority to issue binding, written interpretations of the Rules.
Operations Bulletin

Clarification on Usage: Reason Return Codes for Stop Payments

October 20, 2005
This operations bulletin is intended to clarify that Return Reason Code R08 (Payment Stopped) can be used to return any entry (including ARCs and RCKs) where a stop payment order has been placed on the ACH entry.
Operations Bulletin

Use of PPD Debit Entries for Check Conversion

September 25, 2005
Use of the PPD Standard Entry Class Code for the conversion of consumer checks accepted at the point of purchase for payment of goods and services is not expressly recognized under the Nacha Operating Rules, as the POP application was designed with the express purpose of converting checks at the point of purchase. 
Operations Bulletin

Citigroup Receives Nacha's 2005 George Mitchell Payments System Excellence Award

April 12, 2005
SAN ANTONIO, Texas - Citigroup was recognized for their respective accomplishments in electronic-payment system implementation during Nacha -The Electronic Payments Association's PAYMENTS 2005 conference. In 2004, Citigroup originated 425 million ACH payments, including on-us items, doubling its volume of 2003, and in the process jumping from the eighth to the fifth largest bank originator of ACH payments, according to the Nacha Top 50 list.Seventy-eight percent of Citigroup's ACH growth is attributable to a decision by its Citi Cards business unit to use ARC to convert checks it receives fro
Press Release

VA Honored With Kevin O'Brien Quality Award for HIPAA-Compliant Electronic Payments

April 2, 2004
Nacha - The Electronic Payments Association has selected the chief business office of the U.S. Department of Veterans Affairs' Veterans Health Administration as the recipient of the 2004 Kevin O'Brien ACH Quality Award. The award presentation will take place at Nacha's PAYMENTS 2004 conference in Seattle, Washington on March 22. The VA is being recognized for its success in implementing a nationwide electronic health care remittance and payment processing system that complies with the electronic transaction standards of HIPAA.
Press Release

Wells Fargo Home Mortgage Receives Nacha's 2004 Payments System Award

February 2, 2004
HERNDON, Va., Feb. 2 -- In a remarkable example of the country's movement to electronic payments, Wells Fargo Home Mortgage will process nearly 88 percent of its customers' payments electronically in the first quarter of 2004, compared with 81 percent by paper in the first quarter of 2000. In recognition of its accomplishment, Wells Fargo Home Mortgage will receive Nacha's 2004 George Mitchell Payments System Excellence Award.
Press Release