ORLANDO, Fla.—“What would your company look like if you created it today?” Tom Goodwin asked that question to make a point. 

There are banks that look at Third-Party Senders and—right or wrong—have their doubts. Wayne Gonzales gets it. 

At 36 pages, the criteria for becoming a Nacha Certified Third-Party Sender “is a little daunting when you first look at it.”

That’s what Becky Wagner thought—though she’s quick to add that Nacha helped at every step of the way. 

Payments fraud “remains rare” in the U.S., with ACH payments having the lowest fraud rate by value, a new Federal Reserve study found.