529:(EFT). The Healthcare Electronic Funds Transfer (EFT) standard supports electronic claim payments and remittance information between health plans and health care providers, accelerating cash flow and simplifying reconciliation for providers. Nacha's CCD+Addenda payment (a business-to-business payment with one addenda record of remittance information) is the standard for healthcare EFT transactions. Under the ACA's administrative simplification framework, health plans are required to pay claims using the standard EFT transaction, whenever requested by healthcare, medical or dental practices. In 2018, more than 306.7 million ACH EFT payments, valued at $ 1.59 trillion, were made from health plans to healthcare providers. In the second quarter of 2021, health processed 108 million EFTs, up almost 36% from the same 2020 period. Today, 84% of providers prefer EFT from payers.
36:
115:
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In March 2018, Nacha acquired the
Interactive Financial eXchange Forum (IFX). In September 2018, Nacha launched Afinis Interoperability Standards, a membership-based standards organization, to develop interoperable, portable financial services standards. IFX Forum is a part of Afinis Interoperability
554:
Nacha Direct
Members are Financial Institutions and Payments Associations, and are active participants in educating and advocating for the ACH Network with regulators, legislators, and other stakeholder organizations whose policies affect the payments system. As Direct Members, these entities vote on
537:
On 12 August 2020, Nacha reported that Visa has entered a growing list of collaborators piloting
Phixius. Phixius is a Nacha-built and managed business that uses technologies, structured APIs and rules to allow interoperability in a secure network of linked credentialed service providers (CSPs) for
358:
After two years, other regional ACH associations were formed. The associations came together in 1974 to create Nacha, which was tasked with developing, governing and administering the ACH Network. While Nacha governs the ACH Network, it does not operate the physical ACH Network; the processing of
484:
Nacha's establishment led to the first ACH rules being drafted, and that in turn paved the way for the very first type of ACH transactions, known as Direct
Deposit. The U.S. Air Force became the first employer in the nation to initiate a Direct Deposit payroll program. Direct Deposit is the way
634:
The
Accredited ACH Professional (AAP) is a professional certification designating that an individual has demonstrated a comprehensive knowledge of all areas of ACH, a deep understanding of and experience in one or more specific ACH subjects, and a broad knowledge of concepts that relate to the
346:
and was incorporated in 1974. It represents more than 9,000 financial institutions divided into ten regional payments associations and direct membership. Nacha is not directly involved in the ACH transactions, but develops rules and standards and provides education, accreditation, and advisory
643:
The
Accredited Payments Risk Professional (APRP) is a professional certification designating that an individual has demonstrated a comprehensive knowledge of risk management strategies, concepts, and mitigation techniques within the payments ecosystem, while mastering the complexities of risk
509:(EBT) which have been in place since 1996. These rules enable the distribution of government benefits regardless of state borders. Government entities incorporate the rules in their contracts with private sector service providers. Nacha also develops additional standards for related programs.
374:, Nacha separated in 1985 and hired Bill Moroney as its first Chief Executive Officer. He was succeeded in 1988 by Elliott McEntee. Upon McEntee's retirement in 2008, Janet O. Estep became Nacha's President and CEO. In 2019, Jane Larimer became Nacha's President and CEO.
590:
Smarter Faster
Payments is an annual conference for the financial industry, which includes an exhibit hall, education events and networking opportunities. Payments Remote Connect is the virtual option for those who are unable to attend the conference in person.
331:(YoY) gain), totaling US$ 76.7 trillion (5.6% YoY gain).. From 2013-22, overall gain in the volume of transactions was 70.95%, or 5.51% annualized. The 2013-22 overall gain of the value of the transactions was 98.25%, or 7.08% annualized.
616:
ACH Legal and
Compliance Summit is a program founded in 2021. The Summit serves to provide attendees with the knowledge necessary in ACH compliance and regulations in the payments industry to protect clients and organizations.
599:
The
Payments Institute is an in-person academic program where students build their own curriculum from five schools of study, two master’s programs, and lecture halls. TPI Homeschool is a virtual option for the Payments Institute.
475:
The ACH Network processes payments. ACH payments can be sent as either “same-day,” “next-day,” or “2-day” – and Same Day ACH payments can be initiated and completed within a single day and as fast as a matter of hours.
625:
Nacha offers accreditation programs for financial industry professionals and organizations, including the
Accredited ACH Professional (AAP) and the Accredited Payments Risk Professional (APRP) accreditations.
316:, and is an association for the payments industry. The ACH Network serves as a network for direct consumer, business, and government payments, and annually facilitates billions of payments such as
383:
563:
The Payments Innovation Alliance is a membership group of domestic and international organizations who develop new ideas and initiatives to advance the electronic payments industry.
538:
the protected exchange of payment related details. In 2022, Phixius forecasts 1 million transactions, reaching more than 1,700 financial institutions and 7,000 businesses.
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provided Economic Impact Payments (EIP) up to $ 1,200 per adult and $ 500 per child. The federal government sent hundreds of millions of EIPs by Direct Deposit.
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In 1972, the California Automated Clearing House Association (now called WesPay) was formed, becoming the first operational ACH association in the United States.
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Nacha announced it had acquired the Business Payments Directory Association in October 2018. BPD supports business-to-business (B2B) payment services, including
522:
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John E. Lucas, CCM, Treasury & Payments Solutions Director of Product Management and Development, Synovus Financial Corporation, Secretary/Treasurer
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The Affiliate Program is an information-only membership option that gives access to resources on the ACH Network and the Nacha Operating Rules.
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Laura J. Listwan, AAP, CTP, Senior Vice President, Head of Commercial Payments Products and Service, Fifth Third Bank, Vice Chairperson
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Joe W. Hussey, Managing Director, North America Payables & Receivables Product Executive, J.P. Morgan Chase & Co., Chairperson
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To promote the development of electronic solutions that improve the payment system for the benefit of its members and their customers.
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who are tasked with overseeing the governance and administration of Nacha as ACH Network administrator and industry association.
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Christopher E. Richards, APRP, Executive Vice President, Chief Banking Services Officer, The Cape Cod Five Cents Savings Bank
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Sarah T. Billings, Senior Vice President, Head of Payments Product, Operations & Strategy, Treasury Management, PNC Bank
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PaymentsIQ by Nacha is a subscription-based education platform offering on-demand, virtual payments education content.
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Jeanine M. Andol-Moeller, CCM, Group Vice President & Banking Services COE Manager, M&T Bank (one-year term)
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Nacha provides educational programs to its members and the financial services industry. These programs include:
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Keith Melton, Head of Product & Strategy Management, Retail Payments Office, Federal Reserve Bank of Atlanta
148:
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1221:"InstaMed's 11th Annual Report Finds Consumers Want Contactless Healthcare Experiences Beyond the Pandemic"
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Tina M. Knapp, CPA, Vice President & Director, Payments & Service Support, ESL Federal Credit Union
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management for ACH, check, wire, debit, credit, and prepaid cards, and emerging and alternative payments.
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Elizabeth A. Cronenweth, AAP, CCM, Senior Vice President, Payments Group Product Manager, UMB Bank, N.A.
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Philip C. Picillo, Esq., CTP, Senior Vice President, Treasury & Payment Solutions, Webster Bank
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Jason Carone, AAP, APRP, CTP, Senior Vice President, ACH Product Management, The Clearing House
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1143:"Nacha Acquires the Business Payments Directory Association To Bolster B2B Payments Services"
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Michelle E. Ziolkowski, CTP, Senior Vice President, Head of Global Payables, Wells Fargo
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AJ McCray, Managing Director, Head of Global Corporate Payments, Bank of America, N.A.
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1115:"Nacha Launches Afinis Interoperability Standards for Financial Services | Nacha"
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Nacha has more than 500 members, and offers the following membership categories.
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In 2022, the Nacha through its ACH network handled 30.00 billion payments (3.03%
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Stephen C. Max, Executive Vice President, Head of Operations Services, U.S. Bank
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Marlene Barkheimer, President & Chief Executive Officer, Farmers State Bank
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Carl Slabicki, AAP, CTP, Managing Director, Treasury Services, BNY Mellon
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Lisa S. Coffey, Chief Innovation Officer, Corporate America Credit Union
1416:"Nacha Launches SPEAK and Expands its Leadership in Payments Education"
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1171:"Nacha acquires BPDA to push blockchain-based B2B payments directory"
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Vikram Israni, Chief Financial Officer, Wings Financial Credit Union
312:, the backbone for the electronic movement of money and data in the
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1196:"Healthcare Finance Trends for 2022 Patient Payments Focus Report"
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William J. Schoch, President & Chief Executive Officer, Wespay
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Tim Mills, Senior Vice President, Emerging Payments, Regions Bank
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as the standards development organization (SDO) for healthcare
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1012:"With Labor Laws In Flux, Here's How Americans Get Paid Today"
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Jane Larimer, President & Chief Executive Officer, Nacha
324:. The ACH Network is governed by the Nacha Operating Rules.
836:, Delaware Department of State. Retrieved December 23, 2018
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Under the administrative simplification provisions of the
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Nacha wrote and administers the Quest Operating Rules for
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Form 990: Return of Organization Exempt from Income Tax
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United States Department of Health & Human Services
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The ACH Operator Advisor Representatives to the Board:
1492:"About Us | Nacha - Administrator of the ACH Network"
1368:"Smarter Faster Payments Conference | Payments 2023"
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1441:"ACH Education from the Legal Perspective | Nacha"
1070:"Nacha, IFX Forum Join Forces for API Development"
495:Coronavirus Aid, Relief, and Economic Security Act
382:Nacha’s Board of Directors are representatives of
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1272:"Phixius, Aliaswire Team on Account Verification"
805:"ACH Network Volume and Value Statistics | Nacha"
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1041:"305M+ Healthcare Claims Paid Via ACH In 2018"
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70:reliable, independent, third-party sources
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1392:"Payments Institute | Payments Institute"
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555:amendments to the Nacha Operating Rules.
485:nearly 94 percent of Americans get paid.
88:Learn how and when to remove this message
18:NACHA-The Electronic Payments Association
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906:"The Evolution of the ACH"
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1465:"Accreditation | Nacha"
567:Nacha Affiliate Program
370:Originally part of the
224:Chief Executive Officer
125:June 20, 1974
937:"Nacha Timeline 1990s"
338:association under the
102:Nacha (disambiguation)
1528:Nacha Operating Rules
1270:PYMNTS (2022-06-06).
1068:PYMNTS (2018-03-01).
1039:PYMNTS (2019-01-17).
367:(also known as EPN).
1147:Digital Transactions
722:. December 31, 2016.
100:For other uses, see
987:"A primer on Nacha"
604:PaymentsIQ by Nacha
550:Nacha Direct Member
519:Affordable Care Act
501:Quest rules for EBT
493:In March 2020, the
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1372:payments.nacha.org
1249:Cision PR Newswire
750:"Nacha definition"
595:Payments Institute
199:Financial services
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1175:Finextra Research
635:payments system.
304:, originally the
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