Tag: Blog
Ten is a very important number this year at Nacha and there’s a lot to celebrate.
Topping the list is the tenfold increase to the dollar limit for Same Day ACH payments just approved by the Nacha membership. The current $1 million rises to $10 million on Sept. 17, 2027.
Nacha’s Risk Management Advisory Group (RMAG), Rules and Operations Committee, and the First-Party Fraud Workgroup are looking at ways to better identify and mitigate first-party fraud. The first steps are education and raising awareness of the problem.
Every time you tap your phone at a terminal, browse the web, or authorize a secure online payment, you aren't just using high-end technology—you are relying on quantum mechanics.
The payments industry cannot wait for the arrival of a cryptographically relevant quantum computer to act.
Payment applications are categorized as critical because they generally operate 24/7/365. Today, most if not all, payment stakeholders regularly perform risk assessments.
Quantum computing is about to change everything for the payments industry! Today’s cryptography protocols protect against most threats; however, quantum computing will be capable of breaking these math-based algorithms in a matter of seconds.
The concept of “Years to Quantum” (Y2Q) reflects the looming threat that quantum computers could eventually decrypt today’s widely used encryption methods, potentially disrupting critical systems and data security.
As quantum computing moves from theoretical possibility to tangible technological force, financial institutions and payments stakeholders face a rapidly evolving risk landscape.
Quantum computing is one of the hottest topics in technology, and its potential impact on payments has sparked both excitement and confusion. As the industry races to prepare for a quantum future, myths and misconceptions abound.
Stablecoins are no longer a fringe experiment in digital finance; instead, they are rapidly becoming a practical bridge between blockchain innovation and traditional banking.
The new Nacha Risk Management Rules have started going into effect, reinforcing the importance of strong, risk-based processes to safeguard the ACH Network.
It’s hard to stop, take a breather, and congratulate yourself in the world of risk management. Fraud is always changing, and when we work hard to close a gap, another opens.
Keeping the ACH Network safe—and constantly working to strengthen that security—is always top of mind for Nacha.
The trend among dentists toward electronic claim payments continues, according to new research.
The 2025 CAQH Index Report shows 309 million claim payments were made by electronic funds transfer (EFT) in 2024, an 11.2% increase over the prior year.
Even if there hadn’t been a contest, Jennifer Lauren would have gotten her Continuing Education Credits in before the deadline to keep her Accredited ACH Professional (AAP) in good standing.
When your Substack is called “No Dikkering Around” and is billed as “the no-nonsense daily jolt for the writer, performer, and raconteur who wants to get things done” (with the added caution that it “may contain some nonsense”), you know you’re in for something unusual.
As ACH volumes continue to surge, fraudsters have become more sophisticated, particularly in
It seems like every January we pause to look at what Nacha has on tap for the new year and find an impressive list for such a relatively small (but mighty) organization. I’m proud to say that 2026 is no different.
Nacha members are reporting increasing concerns with first-party fraud impacting both Originating Depository Financial Institutions (ODFIs) and their Originator customers.
It’s a trend that started more than a decade ago: Every year there’s a steady climb in the number of ACH healthcare claim payments from insurers to healthcare providers, and the value of those payments. 2025 is no exception, and the figures are impressive.