Skip to content

ACI and NACHA

As a key infrastructure provider for payments our relationship with NACHA is key to ensuring the ACH network creates value and enables innovation by universally connecting all U.S. financial institutions, and moving money and information directly from one bank account to another.

ACI has unparalleled knowledge and understanding of the market dynamics driving payments, especially in ACH, real-time clearing, settlement integration, orchestration and services. In particular, ACI’s UP Immediate Payments Solution is built specifically for ACH and Zelle Network real-time payment systems, and supports the ability to offer innovative, real-time services consumers and businesses demand.

What is NACHA?

NACHA manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data in the United States. The ACH Network serves as a network for direct consumer, business, and government payments, and annually facilitates billions of payments such as direct deposit and direct payment. Used by all types of financial institutions, the ACH Network is governed by the NACHA Operating Rules, a set of rules that guide risk management and create certainty for all participants.

NACHA is a not-for-profit association and represents nearly 11,000 financial institutions via 11 regional payments associations and direct membership. NACHA also works with other organizations, such as the Clearing House, to support and bring the payments industry together in a variety of ways. Through the Payments Innovation Alliance, accreditation programs, conferences and educational offerings, NACHA unites payments systems stakeholders, fostering dialogue and encouraging the use and evolution of electronic payments.