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UMACHA 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.
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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 |
$100.00 USD
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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 |
$100.00 USD
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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 |
