ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment. The Clearing House’s ACH operations service is called EPN, which handles essentially half the U.S. commercial ACH volume.

ACH Related Services

• UPIC^® is a unique account identifier issued by financial institutions that allows organizations to receive electronic payments without divulging confidential banking information.
  • Universal Payment Identification Code (UPIC^®) Guide
  • What is a UPIC^®?
• OFAC Screening Service is a centralized database for screening cross-border ACH transactions safely, securely, and cost-effectively.
• ACH Risk Monitoring report services (ODFI and RDFI), used to identify patterns of misuse or suspicious activity through the ACH system.
• Credit and Debit Origination Controls limits exposure to settlement, systemic and operational risk.
• ACH-related education and professional services are available through The Clearing House Payments Authority.