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Exam PreparationUMACHA offers a variety of exam preparation materials for payment industry certifications, including electronic flashcards, practice tests, and resource kits. These resources are designed to enhance self-study efforts and provide comprehensive support for exam candidates.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
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| Description: | ||
| Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for AAP exam preparation. | ||
| Best Serves: | ||
| Aspiring AAPs | ||
| Year | Format | Access Timeframe |
| 2026 | Web/mobile app | 6 Months |
$100.00 USD
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| Description: | ||
| If you are preparing for Nacha's Accredited ACH Professional (AAP) exam, this practice quiz is a great way to validate your understanding of concepts reviewed while studying and help you identify areas where additional study may be needed. | ||
| Best Serves: | ||
| Aspiring AAPs | ||
| Year | Format | Shipping/Handling |
| 2025 | Online (Automatic download) | No |
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| Description: | ||
| ACHPro can be used to evaluate your level of expertise of the ACH and related payment systems, and to identify those areas that may require additional development. | ||
| Best Serves: | ||
| Aspiring AAPs | ||
| Year | Format | Shipping/Handling |
| 2025 | Online (processing required) | Yes |
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| Description: | ||
| Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for AFPP exam preparation. | ||
| Best Serves: | ||
| Aspiring AFPPs | ||
| Year | Format | Access Timeframe |
| 2026 | Web/mobile app | 6 Months |
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| Description: | ||
| This tool can be used to evaluate your level of expertise in Faster Payments and related requirements, and to identify those areas that may require additional development. Most of all, it was designed to make learning fun. | ||
| Best Serves: | ||
| Aspiring AFPPs | ||
| Year | Format | Shipping/Handling |
| 2026 | Online (processing required) | No |
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| Description: | ||
| Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for APRP exam preparation. | ||
| Best Serves: | ||
| Aspiring APRPs | ||
| Year | Format | Access Timeframe |
| 2026 | Web/mobile app | 6 Months |
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Full-Day EventsThese full-day and/or multi-day events help payments professionals consume a large amount of information beyond what could be learned in a single webinar, & also allow accredited individuals to earn a large number of Continuing Education Credits (CECs) in a single sitting.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
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| Description: | |||
| This interactive workshop places a spotlight on the specific audit requirements for both RDFIs and ODFIs and provides valuable insights and best practices for conducting your own internal audit effectively. Our seasoned audit experts will share experience gained through numerous audits, offering valuable tips, and highlighting common areas of non-compliance. | |||
| Recording Date | Length | CECs | Education Club |
| Oct. 7, 2025 | 5+ hours | 7.2 AAP/APRP | 12 tokens |
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| Description: | |||
| As an Originating Depository Financial Institution (ODFI), you shoulder a substantial number of warranties within the ACH Network. Are you well-versed in what these warranties entail and the liabilities that come with sending ACH Entries? | |||
| Recording Date | Length | CECs | Education Club |
| Feb. 26, 2025 | 5 hours | 6.0 AAP/APRP | 12 tokens |
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| Description: | |||
| The policies and procedures that your financial institution implements play a very important role in defining your guiding principles and forming the basic structure of your business operations. During this workshop, we will review several key provisions of the Nacha Operating Rules you will want to ensure are reflected within your organization’s documented ACH procedures. | |||
| Recording Date | Length | CECs | Education Club |
| May 21, 2025 | 5 hours | 6.0 AAP/APRP | 12 tokens |
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| Description: | |||
| Whether you're a newcomer to ACH Operations, step in as backup during your coworkers’ vacations, or simply interested in gaining a deeper understanding of ACH processing, this workshop will equip you with a thorough understanding of your role and responsibilities as a Receiving Depository Financial Institution (RDFI). | |||
| Recording Date | Length | CECs | Education Club |
| March 12, 2025 | 5 hours | 6.0 AAP/APRP | 12 tokens |
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| Description: | |||
| Whether dealing with returns, adjustments, or claims related to fraud, there is a lot to try and keep up with for a payments operations professional. During this workshop, we discuss the legal framework that sets forth the legal rights and responsibilities of the Bank of First Deposit and the Paying Bank, including the allocation of loss for different types of fraud claims. | |||
| Recording Date | Length | CECs | Education Club |
| Oct. 29, 2025 | 5 hours | 6.0 AAP/APRP/NCP | 12 tokens |
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| Description: | |||
| Join UMACHA, in collaboration with the Financial & Retailers Protection Association (FRPA), as well as a distinguished panel of industry experts, as we aim to equip financial institutions with the knowledge, tools, and strategies needed to proactively address and combat the widespread issue of financial abuse and exploitation targeting vulnerable adults. | |||
| Recording Date | Length | CECs | Education Club |
| June 17, 2025 | 4+ hours | 5.0 AAP/APRP | 12 tokens |
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| Description: | |||
| Join us to explore the future of Fintech and financial institution relationships and uncover the insights you need to drive success by staying ahead of the curve. | |||
| Recording Date | Length | CECs | Education Club |
| March 19, 2025 | 4+ hours | 5.0 AAP/APRP | 12 tokens |
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| Description: | |||
| From stablecoins and faster payments adoption to recent Nacha Rule changes and evolving fraud trends, this session brings together leading voices across the industry to share insights, use cases, and perspectives on where payments are headed next. | |||
| Recording Date | Length | CECs | Education Club |
| Nov. 18, 2025 | 5+ hours | 7.2 AAP/APRP; 2.4 NCP | 12 tokens |
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Guides & ManualsUMACHA offers a comprehensive range of publications designed to assist organizations in developing and enhancing their electronic payment programs and procedures. These resources cover topics such as ACH audits, risk assessments, and compliance, and are available at economical rates to support financial institutions, ACH originators, and third-party service providers.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
Click the above title for more information.
| Description: | ||
| This ACH Audit of Rules Compliance Guide is designed to assist users of the ACH Network in the completion of their ACH Audit requirement. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| This comprehensive guide aims to empower ACH Originators by offering a nuanced exploration of the ACH Network, unraveling its history, key participants, and operational dynamics. It examines Originator responsibilities, and not only outlines preliminary requirements for establishing a robust ACH program but also provides in-depth insights into fundamental ACH operations. *Interested in purchasing this publication for your Originators? Please review the full description of this publication for purchasing information. |
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| Best Serves: | ||
| ACH Originators | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| The purpose of this guide is to offer corporate ACH Originators a high-level understanding of the Nacha Operating Rules and Guidelines, crafted with the corporate end-user in mind. *Interested in purchasing this publication for your Originators? Please review the full description of this publication for purchasing information. |
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| Best Serves: | ||
| ACH Originators | ||
| Year | Format | Shipping/Handling |
| 2025 | Processing Required | No |
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| Description: | ||
| Specifically crafted for Originating Depository Financial Institutions (ODFIs), this letter serves as an annual engagement tool with ACH Originators. | ||
| Best Serves: | ||
| Third-Party Senders, ODFIs | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| This manual serves as a comprehensive resource to help financial institutions develop clear, well-structured policies and procedures for participating in the ACH Network. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| The ACH Risk Assessment Guide is designed to assist users with identifying and mitigating the risk when operating in the ACH environment. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| This Rules Review Guide is designed to assist an Originator when performing a review of their ACH functions and to provide an understanding regarding the requirements of the Nacha Operating Rules. *Interested in purchasing this publication for your Originators? Please review the full description of this publication for purchasing information. |
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| Best Serves: | ||
| ACH Originators | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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| Description: | ||
| Buy the ACH Audit Guide, get the ACH Risk Assessment 50% off! | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Automatic download (PDF/Word/Zip) | No |
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Nacha PublicationsUMACHA provides a selection of Nacha publications, including the Nacha Operating Rules & Guidelines available in hard copy, online, and digital formats. These resources offer comprehensive guidance on ACH Network operations, ensuring compliance and effective payment processing.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
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| Description: | ||
| 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. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Year | Format | Shipping/Handling |
| 2026 | Hard Copy | Yes |
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| Description: | ||
| This interactive website provides access to both the full Nacha Operating Rules and the Nacha Operating Guidelines, as well as any potential supplement details. Divided into sections, this resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device connected to the internet. NOTE: All online access purchases are final. | ||
| Best Serves: | ||
| All ACH Participant Types | ||
| Year | Format | Shipping/Handling |
| 2026 | Online | No |
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| Description: | ||
| An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th edition offers crisp insights into authorizations, processing and more from Nacha’s subject matter experts. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Edition | Format | Shipping/Handling |
| 11th | Hard Copy | Yes |
SOLD OUT
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| Description: | ||
| The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Edition | Format | Shipping/Handling |
| 9th | Hard Copy | Yes |
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| Description: | ||
| The refreshed 4th Edition contains new statistic and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries and more. Includes Article 4A (law unchanged) with staff commentary. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Edition | Format | Shipping/Handling |
| 4th | Hard Copy | Yes |
$55.00 USD
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| Description: | ||
| Written by experienced experts from both the private and government sectors, this publication tells the story of how payments—between people, merchants, employers, and governments—emerged from the ancient system of barter and evolved through various technological implementations, ranging from coins and paper money to checks, wire transfers, and credit cards to today’s entirely electronic local and international payment systems. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Year | Format | Shipping/Handling |
| 2020 | Hard Copy | Yes |
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| Description: | ||
| 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. | ||
| Best Serves: | ||
| Originators, Third-Party Service Providers, Financial Institutions, Receivers | ||
| Edition | Format | Shipping/Handling |
| 4th | Hard Copy | Yes |
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Navigating Payments Exhibitor OptionsUMACHA's Navigating Payments conference offers exhibitors opportunities to showcase their products and services to all conference attendees. Exhibitor packages include an 8' x 10' exhibit space and brand visibility in event marketing materials. Additionally, exhibitors can opt for a 30-minute Vendor Showcase presentation to provide a deeper dive into their offerings.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
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| Description: | ||
| As an Exhibitor, your brand is displayed in all event marketing and your booth is an opportunity to meet with conference attendees and allow your product and/or service to make an impact. Exhibitors also have the opportunity to save $200 on the addition of a Vendor Showcase to their order. See the full description for more details. | ||
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| Description: | ||
| A Vendor Showcase* grants your organization a 30-minute sales presentation to take multiple attendees on a deep dive into the benefits of your product or services. Only eight (8) of these sessions are made available for the conference. * To maximize this opportunity & save $200 on the purchase of a Vendor Showcase, UMACHA strongly recommends purchasing an Exhibit Booth & add on a Vendor Showcase for only $300. |
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Navigating Payments Sponsorship OptionsUMACHA's Navigating Payments conference provides various sponsorship opportunities that allow organizations to receive brand visibility and engagement. Sponsorship packages may include benefits such as exhibit space, complimentary registrations, speaking opportunities, attendee list access, and brand recognition in conference materials.
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| Description: | ||
UMACHA's premier conference sponsorship! Includes the following benefits:
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The Keynote Sponsorship includes the following benefits:
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The Platinum Sponsorship includes the following benefits:
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A Mobile App Sponsorship includes the following benefits:
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An Accreditation Lunch Sponsorship includes the following benefits:
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A Lunch Sponsorship includes the following benefits:
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A Reception Sponsorship includes the following benefits:
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| Description: | ||
| Care for an RTP (rum, tequila, & pineapple juice)? How about a pe-ACH mojito? The Signature Cocktail Sponsorship allows your organization to create a memorable cocktail to be served during the reception that follows Day 1 of the conference. | ||
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Quick Reference CardsUMACHA offers quick reference cards that provide essential information on ACH operations, including transaction codes, return reason codes, and risk mitigation tips. These compact, durable cards are designed to be a handy resource for professionals needing fast access to key payment system details.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
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| Description: | ||
| This publication was designed with the corporate ACH Originator in mind and is an excellent resource to provide to new Originators at the time of onboarding. | ||
| Best Serves: | ||
| ACH Originators | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
21 remaining
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| Description: | ||
| This publication was designed with a financial institution’s ACH Operations and Treasury Management staff in mind and is an excellent resource for each staff member to have available. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
3 remaining
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| Description: | ||
| This publication was designed for individuals who need to understand the ins and outs of each Standard Entry Class (“SEC”) Code – including financial institutions and corporate ACH Originators alike. | ||
| Best Serves: | ||
| ACH Originators, Third-Party Senders, Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
11 remaining
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| Description: | ||
| This publication was designed with a financial institution’s check operations (and check fraud operations) staff in mind and is a great resource when faced with check exception issues. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
10 remaining
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| Description: | ||
| This publication was designed with a financial institution’s ACH Operations staff in mind and is an excellent resource for staff responsible for determining the most appropriate return reason code for ACH returns. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
19 remaining
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| Description: | ||
| This publication was designed with the corporate ACH Originator in mind and is an excellent resource to provide to new Originators at the time of onboarding. | ||
| Best Serves: | ||
| ACH Originators | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
23 remaining
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| Description: | ||
| This publication was designed with a financial institution’s staff responsible for Reg E error resolution in mind. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
2 remaining
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| Description: | ||
| This publication was designed with a financial institution’s ACH Operations and Treasury Management staff in mind and is a great resource for each staff member to have available. | ||
| Best Serves: | ||
| Financial Institutions | ||
| Year | Format | Shipping/Handling |
| 2025 | Hard Copy | Yes |
28 remaining
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Webinar SeriesUMACHA offers a variety of webinar series tailored to enhance payments industry knowledge. These offerings are designed to accommodate different learning needs and schedules, ensuring relevant and current education is accessible to all members.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!
WebinarsUMACHA provides an extensive selection of on-demand webinars, allowing members to access payments education that fits their schedules. These webinars cover a variety of payment topics and are accessible anytime, anywhere.
Unless logged in, pricing will reflect Non-Member prices. Please remember to log into your UMACHA profile before making any purchases to ensure you receive member pricing!