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The Clearing House Payments Authority

The Clearing House Payments Authority (TCHPA) serves more than 4,000 member banks, credit unions and companies throughout the U.S. with a focus on ensuring access to payments education on the various U.S. payment systems, assisting with compliance testing, informing efforts to reduce risk and positioning member organizations for success in the rapidly changing payments landscape.

We are the go-to resource regarding payments system rules, regulations and risk management, covering all payment channels:  ACH, check/image, card transactions, wire transfer and instant payments.

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2027 Concepts Conference

Save the Date and Come Join Us

Concepts brings together payments professionals for two days of timely education, industry insights, and valuable networking with peers, experts, and solution providers. Explore the trends, challenges, and innovations shaping the future of payments, and discover practical ideas you can put to work right away. Plans for Concepts 2027 are well underway! Stay tuned as new details are added in the months ahead. More Info

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Audit Guide Resources

RTP® Audit Services

The RTP Operating Rules require all RTP Participants to complete an annual RTP Audit, either internally or through an independent third-party provider. TCHPA offers a comprehensive audit experience designed to help participants assess compliance, identify potential risks, & strengthen operational controls. Visit TCHPA Compliance & Consulting.

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New Check Resource

Check Dispute Quick Reference Guide

The Check Dispute Quick Reference Guide provides a practical overview of how check disputes are evaluated and resolved across the check collection system. Designed for financial institutions, it explains common check and dispute terminology, outlines the responsibilities of key check participants, and summarizes key legal frameworks that govern check processing and disputes.

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Save the Date

Virtual Fraud Symposium

Fraud is top of mind for financial institutions of all sizes including Business Email Compromise, Account Takeover, Vendor Impersonation, and friendly fraud. Join our Fraud Symposium as we bring together industry experts and regulators to explore the latest fraud trends and resources that you can use to combat fraud across all payment rails.