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About ACH

ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment. The Clearing House’s ACH operations service is called EPN, which handles essentially half the U.S. commercial ACH volume.

How it works

ACH Related Services

  • UPIC® is a unique account identifier issued by financial institutions that allows organizations to receive electronic payments without divulging confidential banking information.
  • OFAC Screening Service is the industry's only centralized database for screening cross-border ACH transactions safely, securely and cost-effectively.
  • Fraud Detection Services (ODFI and RDFI) identifies patterns of misuse of the ACH system and provide proactive and reactive warnings of suspicious activity.
  • Credit and Debit Origination Controls limits exposure to settlement, systemic and operational risk.
  • ACH-related education and professional services are available through The Clearing House Payments Authority.