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.

Access ends December 2023.

A subscription code is required to gain access to the Online Resource.  Your code will be emailed to you separately after completing your purchase.

Access ends December 2023.

A subscription code is required to redeem your content via Flux Player. Your code will be emailed to you separately after completing your purchase.

Visit our webpage for more information on fees, key dates and how to register.

The AAP Flashcards provide a hands-on study aid for those planning to take the AAP Exam. Highlighting the six areas of focus on the AAP Exam, this is a great self-study tool to help registrants prepare for the exam and earn their accreditation.

Purchase the 2023 Nacha Operating Rules & Guidelines Print and Online Resource together and save 10%

If you are planning to take the APRP Exam, the APRP Flashcards will help you study like a pro!

This 4th Edition update provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Sender is involved in the origination of transactions through the ACH Network.

11th Edition - Coming Soon!

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, reversal

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

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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.

Feb. 8 is National AAP Recognition Day, when we recognize the 4,500 payments professionals who have earned this prestigious accreditation.

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.

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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

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

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. 

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).