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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

Digital Banking: The Brewing Battle for Where We Will Bank


Payments Are Eating the World


Request for Payment on the RTP Network is Game Changer for Corporates and Consumers

Source: TCH Payments Nerds Podcast

We Get Questions...

Q and A
Q.)   Our account holder wrote a check that was converted to an ARC debit but on the same day the ACH transaction posted, the check was also presented. This happened 4-5 weeks ago and our account holder just now brought it to our attention. The check is too old to return. Now what should we do?
A.)   Because the return deadline has passed for the check, you can return the ACH transaction using return code R37 (Source document presented for payment) Under these circumstances, ARC, BOC and POP entries can be returned up to 60 days from settlement. A Written Statement (WSUD) is also required. (Nacha Operating Rules, Article Three, Section 3.13)
The information contained herein has been prepared for general informational purposes only and is not offered as and does not constitute legal advice. You should consult with your legal counsel regarding the legal, regulatory and payments industry rule requirements that apply to specific transaction scenarios.
2020 ACH Rules

2022 ACH Rules

Annual Pre-Production Order Opportunity

Lowest prices of the year!
$3.00 off every ACH Rule Book, Online Access Code and eBook (aka Digital App) ordered by December 1, 2021 (additional discounts when Rule Books are ordered in bulk).

Each year, The Clearing House Payments Authority (TCHPA) automatically delivers one complimentary ACH Rule Book to every member. These are shipped to the financial institution’s primary address and to the attention of your ACH Department.

All books are expected to be delivered by the end of December; however, postal slowdowns that are beyond the control of TCHPA may impact delivery dates.

Order Now! (Prices return to the regular rate on December 2nd)

Accreditation Prep in 2022

Are you thinking of becoming an accredited payments professional in 2022? You’ll want to keep an eye on TCHPA’s Payments Certification page where you’ll find information about what it takes to become an AAP, APRP and NCP and how we can help you prepare.

Exam Prep Course Options:

  • National Check Professional (NCP) Prep Webinar Series: Thursdays, January 20 – April 7 (registration opens soon)
  • Accredited Payments Risk Professional (APRP): Thursdays, June 2 – July 21 (registration opens January 2022)
  • Accredited ACH Professional (AAP): Thursdays, August 4 – September 22 (registration opens January 2022)

Payments Education


TCHPA 2022 Education Preview (Webinar)

Recently added on-demand recorded webinars:

Visit TCHPA’s Payments Education page and choose from more than 70 topics (live and on-demand)!

Member Support

TCHPA Fact Sheet

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 © 2021 The Clearing House Payments Company L.L.C.
115 Business Park Dr.
Winston-Salem, NC 27107
United States

The Clearing House
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