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National Automated House Association (NACHA)

NACHA (previously the National Automated Clearing House Association) manages the development, administration, and governance of the ACH Network, the backbone for the electronic movement of money and data in the United States.

If you accept ACH or eCheck payments, then money moves from your customer's bank account to your bank account via NACHA's ACH network.

NACHA maintains a list of rules you must follow to accept ACH payments.

Make Sure You

Generally, if you accept ACH payments you should make sure that you do the following.

  • Clearly indicate to the customer that they are authorizing a one-time or recurring ACH debit
  • Obtain and retain authorizations from the customer to make a one-time or recurring ACH debit
  • Give appropriate notice to the customer if you are changing the debit amount or date
  • If a customer asks to cancel, promptly cancel their subscription and cease making additional debits
  • Protect the banking information received to initiate transactions

ChargeOver can help you obtain authorization and protect account data via Terms and Conditions statements and automated invoicing or debits.