Access to the Rules & Guidelines helps to identify new opportunities to leverage the ACH Network to meet customer’s needs, while maintaining a clear understanding of network requirements.

Annual subscription access: December 2021 – December 2022

A subscription code is required to gain access to the Online Resource.  Your code will be emailed to

Annual subscription access: Dec. 31, 2021 – Dec. 31, 2022

A subscription code is required to redeem your content via Flux Player. Your code will be emailed to you separately within 1-2 business days.

Purchase the 2022 Nacha Operating Rules & Guidelines and the ACH

Purchase the 2022 Nacha Operating Rules & Guidelines and the ACH Compliance Manual together and Save 10%

ACH participants must take action to control risk in any payment system — including the ACH Network.

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class C

Now available via Digital Access - 
ACH participants must take action to control risk in any payment system — including the ACH Network. The 6th edition explains the types of ACH payments risk, assesses the operational implications and provides sound business practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk management program.

Browse Available Bundles and Print Products/Formats

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and

In honor of National AAP Recognition Day, Nacha will recognize 145 newly credentialed Accredited ACH Professionals who passed the 2020 AAP exam, as well as more than 4,600 professionals who currently hold the credential.

Without a doubt, becoming an AAP is great for career growth, but Brenda Eckert, AAP, sees even more importance in achieving the accreditation.

On this day, Nacha partners with the Payments Associations to honor more than 4,500 Accredited ACH Professionals (AAP) as part of National AAP Recognition Day.

On Sept. 20, Nacha will partner with the Payments Associations (PA) to honor Accredited Payments Risk Professionals (APRP) as part of National APRP Recognition Day.

Join the elite group of AAP professionals. AAPs are recognized for their ACH payments expertise, providing a competitive edge in the business and financial arenas.

There are more than 4,600 AAPs. The credential establishes an individual’s professional competency and expertise within the payments industry.

The APRP exam tests for comprehensive risk management knowledge across all payment types, including ACH, check, wire, debit, credit and prepaid cards, and emerging and alternative payments.

Everyone has a reason for obtaining their AAP, APRP or both. Some want the fame, the fortune and the glory. Others simply want those sought-after letters on their signature. Whatever your reason is, we're glad you're here. Meet a few of our accredited professionals and learn their reason.

Accredited Payments Risk Professionals (APRP) have mastered the complexities of risk management for ACH, check, wire, debit, credit and prepaid cards, and emerging and alternative payments. The next exam window is August 1-27, 2022.

Now that you are an APRP, it is important to maintain your credential with continuing education. Below is information on how to maintain your ARPR designation, including earning and filing continuing education credits (CEC).

Now that you are an AAP, it is important to maintain your credential with continuing education. Below is information on how to maintain your AAP designation, including earning and filing continuing education credits (CEC).