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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

Most Americans Now Fear Touching Cash

Source: Fortune

Reg E Changes for Consumer Remittances


As E-Commerce Grows, Work on Real-Time Payments Accelerates

Source: PaymentsSource

ACH Network Volume Statistics Q2 2020

Source: Nacha InfoGraphic

We Get Questions...

Q and A
Q.)   Our account holder purchased an item online and paid via PayPal but they never received the order and the merchant is not responding. The ACH debit for the order posted almost 90 days ago and PayPal’s 30-day dispute window has since closed. Is there anything we can do for the member?
A.)   Reg E and the ACH Rules both address payment authorization. They do not address delivery of goods and services. Because the payment was authorized, the buyer must work with the merchant directly to arrange for a refund. Even though PayPal’s dispute window is closed, they may still be able to provide better contact information for the seller.
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email
Payments Pulse

Concepts 2020 – A ‘Come As You Are’ Virtual Payments Conference
No travel, no hotel, no leaving the house, no kidding!

Like so many in-person events, Concept 2020 has been impacted by COVID-19 and will be presented virtually in 2020. And, although we’ll miss the togetherness of a face-to-face experience, the virtual event is now available to a larger audience, including some who may not have been able to attend previously due to travel restrictions.
We're finalizing the agenda and confirming sessions, descriptions and speakers. Full details will be available soon. Meanwhile, the topic list below should be helpful to you while making the decision to join us in October:
  • Creating a Culture of Payments Innovation
  • The Mind Behind the Financial Crime
  • A Small FI’s Journey to Real Time Payments
  • An Intuitive Approach to Classifying Fraud
  • Risk and Reversals – Real Life Case Study
  • The Impact of COVID-19 on Payments
  • Cannabis Banking: Boosting Your Bottom Line
  • Artificial Intelligence (AI) with a Payments Focus
  • Business Continuity During a Pandemic
  • Managing Your Financial Institution’s Payments Liability
  • Combatting BSA/AML & OFAC Risk

Register Today!

Reg E All-in-One Resource Guide

Does your financial institution have the appropriate procedures and documentation in place to effectively comply with Regulation E error resolution requirements? Compliance is a necessity for all financial institutions. Don’t spend your valuable time writing and creating documents. New in 2020! The Regulation E Resource provides essential sample documents you need to establish or enhance your Regulation E error resolution processes and maintain compliance:
  • Regulation E Error Resolution Procedures
  • Electronic Funds Transfer Error Resolution Log
  • EFT Error Resolution Timeline Quick Reference Chart
  • Regulation E Employee Training Log
  • EFT Statement of Dispute
  • Sample Notification Letters

Order from the TCHPA Store Today!

Upcoming TCHPA Education No charge for members!

Scheduled Sessions:


ACH Data Security Requirements and Considerations


RTP: Ready to Receive
(3 Part Webinar Series)


AAP Exam Prep Review
(2 Day Webinar)

Real-Time Payments

The RTP® network - What's in it for you?

If you’ve got questions, look no further.

RTP: Ready to Receive (Webinar Series)
September 11, 2020 10:00 – 11:30am ET

This 3-part series will provide attendees with an overview of the RTP® network, with a focus on rules compliance and operational considerations. The third session in this series will touch on sending payments through the RTP® network.

RTP Update (Webinar)
November 19, 2020

Join TCHPA as we welcome Steve Ledford, SVP of Product Management at The Clearing House for an RTP® network update. We'll review 2020 milestones, including RTP® network growth and advancements in innovation, as well as provide a look ahead at what's planned for 2021.

Member Support

Remember, when you need support from The Clearing House Payments Authority (TCHPA), you can reach our Member Services staff directly by calling 800-875-2242 and choosing option 3, or by emailing Although our staff is working remotely due to the COVID-19 pandemic, we’re still available to provide the support you need in a timely manner!

Professionals in every trade have an association they rely on for industry expertise, support and resources. We're the Association for Payments People.

Copyright © 2020 The Clearing House Payments Company L.L.C.
115 Business Park Dr.
Winston-Salem, NC 27107
United States

The Clearing House