Tell the world you are vetted, validated, valued. NACHA Certified.




Learn more about becoming NACHA Certified.

Are you a Third-Party Sender? Industry-leading NACHA Certified sets you apart in today’s competitive market as an entity focused on knowing and demonstrating commitment to quality and strong core practices. NACHA Certified affirms that Third-Party Senders have met specific guidelines governing financial stability, rules and regulations.


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NACHA Certified

NACHA Certified. The first step for Third-Party Senders.

At a glance, NACHA Certified signals that you are:




NACHA Certified organizations have met published criteria demonstrating current compliance, and have shown tangible measures of corporate governance and risk management. With annual attestation, NACHA Certified is valid for two years.

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Committed to Quality.

Becoming NACHA Certified demonstrates a commitment to quality and a willingness to undergo additional vetting to set yourself apart in this crowded and competitive market.

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Strong in core practices.

Being NACHA Certified means that you have employed effective oversight of your business and understand the risk and compliance obligations associated with processing ACH transactions. Your sound governance is demonstrated through the submission of appropriate return rate reporting and your organization’s risk assessment.

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Credible. Strong. Leading.
That’s what NACHA certification
says about your company.


As a certified Third-Party Sender, you’re validated, vetted – and valued above your competitors. There are many Third-Party Senders and only those committed to meeting the specific criteria and who are vetted by NACHA will become NACHA Certified.


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How NACHA Certified Opens Doors For Third-Party Senders



NACHA Certified positions you in a strong, secure ACH Network.

A vigorous, thriving ACH Network depends on quality Third-Party Senders. Stand out from the pack.



Financial institutions know NACHA. And respect NACHA Certified.

NACHA governs the ACH Network and advocates for the health of all players in the electronic payments space – including Third-Party Senders.



Banks and credit unions recognize NACHA Certified.

Meeting the baseline criteria established by NACHA, a certified industry leader projects immediate credibility.



Set your company apart as a valued ACH participant.

NACHA Certified validates banks’ and credit unions’ due diligence efforts, garnering them confidence in you as a new business partner.




NACHA Certified.


Helping banks and credit unions find valued Third-Party Senders.


In a rapidly growing and increasingly complex market, financial institutions know there is value in having NACHA, a trusted partner, to complement their own due diligence and onboarding processes. Look for the NACHA Certified seal when reviewing prospective Third-Party Senders and you’ll find:




Paves the way to a more positive interaction between you and Third-Party Senders.


Businesses that have met published baseline criteria established by NACHA – the experts you value and trust. The stronger your partners, the stronger the ACH Network.


NACHA Certified affirms that Third-Party Senders have met standards governing financial stability, and have a commitment to quality and strong core practices.


Certified Third-Party Senders have demonstrated sound risk management and are vetted, validated and valued.



NACHA Certified Third-Party Senders




NACHA Certified is a voluntary accreditation program for Third-Party Senders in the ACH Network to demonstrate to the industry, including ODFIs, originators, and their peers, that they are meeting standards established by NACHA signaling sound core practices and corporate governance. NACHA Certified helps Third-Party Senders set themselves apart from the pack while improving the quality of the Network.


A thriving and secure ACH Network depends on quality Third-Party Senders, and NACHA’s new program - NACHA Certified - enables Third-Party Senders to set themselves apart in today’s competitive market by demonstrating to financial institutions that they are vetted, validated and valued. The program will help them demonstrate that they have effective oversight of their businesses and understand the risk and compliance obligations associated with processing ACH transactions.

All Third-Party Senders that have been in business for at least two years are eligible to become NACHA Certified. A Third-Party Sender serves as an intermediary between the company originating the ACH payment and the Originating Depository Financial Institution (ODFI) of that transaction. A key point that differentiates a Third-Party Sender from other third parties is that it sends the payment on behalf of its client through its own financial institution as opposed to the financial institution of the client, or Originator – this means that the Third-Party Sender is the customer of the ODFI and the ODFI does not have a direct business relationship with the Originator of the transaction.

Third-Party Senders can become NACHA Certified when they provide required documentation meeting certification standards in support of strong practices, corporate governance, and risk management, including:

  • Independent NACHA Rules Audit
  • ACH Risk Assessment
  • Specified Compliance and Risk Program Elements
  • Agreement to Criminal Background Check for all principals and key officers
  • Audited Financial Statements

NACHA recognizes the value that Third-Party Senders create in the Network and the importance of their role in payment systems more broadly. They enable technological advancement and innovation in their partnerships with financial institutions. NACHA Certified represents one more step in NACHA’s journey in helping ODFIs and Third-Parties to work together for the betterment of the ACH Network. In fact, in NACHA‘s 2012 Risk Management strategy, we envisioned a certification program for Third-Party Senders.

NACHA consulted industry experts to develop criteria – consultancies, ODFIs, legal experts, and Third-Party Senders themselves helped to vet and fine-tune the criteria. Criteria was drawn from existing regulatory requirements and guidance, NACHA Rules, and principles of sound corporate governance and business practices.

The introductory fee for application to apply to become NACHA Certified is $5,000 for the two year certification period. The cost to maintain the certification in intervening years is $750. As the program’s processes are appropriately scaled based on expected high demand costs may be adjusted.

All NACHA Certified Third-Party Senders may display the NACHA Certified seal and will have their names and company information displayed on the NACHA Certified website.

If the applying organization does not meet the established baseline criteria, there are organizations that can provide education to strengthen origination practices and risk management through NACHA and the Regional Payments Associations, in addition to consultative services through Elevation.

Please use the contact us page to provide additional information on the NACHA Certified program, and we will contact you.

Yes. The Registration Rule requires ODFIs to acknowledge whether they process for a Third Party Sender and, if so, to provide required information related to the Third Party Sender. NACHA Certified is a voluntary program for well-governed Third-Party Senders to set themselves apart in the industry. NACHA Certified will work in concert with NACHA’s other risk management initiatives by improving transparency into industry, setting them apart in a competitive industry.