Nacha governs the thriving ACH Network, the payment system that drives safe, smart, and fast Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts. There were 35.2 billion ACH Network payments made in 2025, valued at $93 trillion. Through problem-solving and consensus-building among diverse payment industry stakeholders, Nacha advances innovation and interoperability in the payments system. Nacha develops rules and standards, provides industry solutions, and delivers education, accreditation, and advisory services.
Phixius is Nacha’s payment information network for bank account validation and risk mitigation. A connected ecosystem of data requesters and data providers that simplifies risk processes and eases frictions with one contract, one API gateway, and multiple validation opportunities.
