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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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2026 Concepts Conference

30 Years of Concepts

Celebrate the 30th Anniversary of Concepts in May of 2026 at Crystal Mountain Resort. Nestled in in the mountains of Michigan, this unique setting is a perfect getaway to participate in two interactive days of payments programming, networking with colleagues, sponsors, and industry speakers. More Info

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New NCP Prep Resource

NCP Prep Workbook Available Now

This new resource focuses on applying core concepts through guided exercises, followed by a complete answer key with explanations for self-review. Purchase today.

2022 NCP Exam Climb To Success
Payments Accreditations Journey

Exam Prep Education and Resources

Are you ready to position yourself for professional advancement? Accreditation shows you have superior skills and abilities, a level of commitment to your profession, and that you have invested your valuable time and resources to prove that you are an experienced payments professional. TCHPA offers exam prep education and resources to help you prepare for the NCP, APRP, AAP, AFPP.

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Industry Updates

FraudClassifier Survey

The Federal Reserve Financial Services is conducting a brief survey of U.S. based financial services depository organizations use of the FraudClassifierSM Model. Survey participants should have some capacity in fraud detection/mitigation and have either retail consumer and/or businesses customers. Complete the survey here.