aid: nacha
url: https://raw.githubusercontent.com/api-evangelist/nacha/refs/heads/main/apis.yml
name: Nacha
kind: company
description: 'Nacha (formerly the National Automated Clearing House Association) is the nonprofit, member-governed
  steward of the ACH Network, the batch-based account-to-account payment rail that moves consumer and
  business direct deposits, direct payments, bill pay, and B2B transfers across the United States — more
  than 30 billion payments and over $80 trillion in value annually. Nacha writes and enforces the Nacha
  Operating Rules that bind the network''s participating depository financial institutions, but it is
  not itself an ACH Operator (the Federal Reserve and The Clearing House clear and settle the files).
  Nacha is documentation- and rulebook-first rather than a self-serve PSP: it does not operate a public
  production payments API of its own. Its API posture is delivered through Afinis Interoperability Standards,
  the Nacha-stewarded group that publishes royalty-free, standardized financial-services API specifications
  (payment initiation, account validation, transaction status, returns reporting, and directory services)
  as Swagger/OpenAPI documents on SwaggerHub, and through Phixius, its payment-information exchange platform.
  Its home market is the United States.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United States
- ACH
- Account-to-Account
- Real-Time Payments
- Account Validation
- Payment Rails
- ISO 20022
- Standards
- Afinis
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: nacha:nacha-initiate-payment
  name: Afinis Initiate ACH Payment API
  description: Afinis Interoperability Standards API for initiating an ACH credit or debit payment instruction
    from an originator through their financial institution. Part of the Afinis standardized payments API
    set stewarded by Nacha.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Initiate_Payment/1.0.7
  baseURL: https://api.asig.org/v1
  tags:
  - ACH
  - Payment Initiation
  - ISO 20022
  properties:
  - type: OpenAPI
    url: openapi/nacha-initiate-payment.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Initiate_Payment/1.0.7
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-initiate-payment-overlay.yaml
- aid: nacha:nacha-iar
  name: Afinis International ACH Remittance (IAR) API
  description: Afinis International ACH Remittance (IAR) API for sending remittance information tied to
    incoming IAT (International ACH Transaction) credits.
  humanURL: https://app.swaggerhub.com/apis/ASIG/IAR/1.0.1
  baseURL: https://api.asig.org/payments/v1
  tags:
  - ACH
  - Cross-Border
  - IAT
  properties:
  - type: OpenAPI
    url: openapi/nacha-iar.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/IAR/1.0.1
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-iar-overlay.yaml
- aid: nacha:nacha-iar-plus
  name: Afinis IAR Plus API
  description: Afinis IAR Plus API, an extended International ACH Remittance message for incoming IAT
    credits carrying additional remittance detail.
  humanURL: https://app.swaggerhub.com/apis/ASIG/IAR_Plus/1.0.1
  baseURL: https://api.asig.org/payments/v1
  tags:
  - ACH
  - Cross-Border
  - IAT
  properties:
  - type: OpenAPI
    url: openapi/nacha-iar-plus.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/IAR_Plus/1.0.1
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-iar-plus-overlay.yaml
- aid: nacha:nacha-transaction-status
  name: Afinis Transaction Status API
  description: Afinis Transaction Status API for querying the status of an ACH credit or debit payment
    by instruction ID or transaction ID.
  humanURL: https://app.swaggerhub.com/apis/ASIG/transaction_status/1.0.14
  baseURL: https://api.afinis.org/v1
  tags:
  - ACH
  - Transaction Status
  properties:
  - type: OpenAPI
    url: openapi/nacha-transaction-status.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/transaction_status/1.0.14
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-transaction-status-overlay.yaml
- aid: nacha:nacha-initiate-wire-payment
  name: Afinis Initiate Wire Payment API
  description: Afinis Initiate Wire Payment API enabling a business to originate a wire transfer through
    its financial institution via a standardized API call.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Initiate_Wire_Payment_API/1.0.3
  baseURL: https://api.asig.org/payments/v1
  tags:
  - Wire Transfer
  - Payment Initiation
  properties:
  - type: OpenAPI
    url: openapi/nacha-initiate-wire-payment.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Initiate_Wire_Payment_API/1.0.3
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-initiate-wire-payment-overlay.yaml
- aid: nacha:nacha-get-wire-status
  name: Afinis Get Wire Status API
  description: Afinis Get Wire Status API enabling the originator of a wire to retrieve the status of
    the wire payment.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Get_Wire_Status_API/1.0.0
  baseURL: https://api.asig.org/payments/v1
  tags:
  - Wire Transfer
  - Transaction Status
  properties:
  - type: OpenAPI
    url: openapi/nacha-get-wire-status.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Get_Wire_Status_API/1.0.0
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-get-wire-status-overlay.yaml
- aid: nacha:nacha-initiate-instant-payment
  name: Afinis Initiate Instant Payment API (IIP)
  description: Afinis Initiate Instant Payment (IIP) API enabling a business to make an instant payment
    through its financial institution, mapping to US real-time rails (RTP and FedNow).
  humanURL: https://app.swaggerhub.com/apis/ASIG/Initiate_Instant_Payment_API/1.0.6
  baseURL: https://api.asig.org/payments/v1
  tags:
  - Real-Time Payments
  - Instant Payments
  - Payment Initiation
  properties:
  - type: OpenAPI
    url: openapi/nacha-initiate-instant-payment.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Initiate_Instant_Payment_API/1.0.6
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-initiate-instant-payment-overlay.yaml
- aid: nacha:nacha-instant-payment-transfer
  name: Afinis Instant Payment Transfer API (IPT)
  description: Afinis Instant Payment Transfer (IPT) API enabling a financial institution to send another
    financial institution an instant payment via an API.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Instant_Payment_Transfer/1.0.1
  baseURL: https://api.asig.org/payments/v1
  tags:
  - Real-Time Payments
  - Instant Payments
  properties:
  - type: OpenAPI
    url: openapi/nacha-instant-payment-transfer.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Instant_Payment_Transfer/1.0.1
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-instant-payment-transfer-overlay.yaml
- aid: nacha:nacha-initiate-payment-api
  name: Afinis Initiate Payment API
  description: Afinis Initiate Payment API used to request movement of funds from a debtor account to
    a creditor account across supported payment rails.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Initiate_Payment_API/1.0.2
  baseURL: https://api.asig.org/payments/v1
  tags:
  - Payment Initiation
  - ACH
  properties:
  - type: OpenAPI
    url: openapi/nacha-initiate-payment-api.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Initiate_Payment_API/1.0.2
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-initiate-payment-api-overlay.yaml
- aid: nacha:nacha-ret
  name: Afinis Reporting ACH Return (RET) API
  description: Afinis Reporting ACH Return (RET) API allowing originators and payment providers to share
    ACH return payment data in support of fraud and risk mitigation.
  humanURL: https://app.swaggerhub.com/apis/ASIG/RET_API/1.0.3
  baseURL: https://api.afinis.org/payments/ach/v1
  tags:
  - ACH
  - Returns
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/nacha-ret.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/RET_API/1.0.3
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-ret-overlay.yaml
- aid: nacha:nacha-authorize-to-pay
  name: Afinis Authorize to Pay (Debit Authorizations) API
  description: Afinis Authorize to Pay API letting a buyer business provide bank account or virtual card
    details, purpose of payment, and authorization for a seller to debit the account.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Authorize_To_Pay/1.0.6
  baseURL: https://api.afinis.org/v1
  tags:
  - ACH
  - Authorization
  - Debit
  properties:
  - type: OpenAPI
    url: openapi/nacha-authorize-to-pay.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Authorize_To_Pay/1.0.6
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-authorize-to-pay-overlay.yaml
- aid: nacha:nacha-pay-me
  name: Afinis Pay Me API
  description: Afinis Pay Me API for requesting a payment (request-for-payment) from a payer through standardized
    messaging.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Pay_Me_API/1.0.11
  baseURL: https://api.afinis.org/ASIG/Pay_Me_API/1.0.10
  tags:
  - Request to Pay
  - Payment Initiation
  properties:
  - type: OpenAPI
    url: openapi/nacha-pay-me.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Pay_Me_API/1.0.11
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-pay-me-overlay.yaml
- aid: nacha:nacha-account-validation
  name: Afinis Account Validation API
  description: Afinis Account Validation API for validating that a bank account is open and able to accept
    ACH credits or debits, reducing returns and fraud.
  humanURL: https://app.swaggerhub.com/apis/ASIG/account_validation/1.0.2
  baseURL: https://api.afinis.org/v1
  tags:
  - Account Validation
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/nacha-account-validation.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/account_validation/1.0.2
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-account-validation-overlay.yaml
- aid: nacha:nacha-account-validation-plus-name
  name: Afinis Account Validation Plus Ownership (Name) API
  description: Afinis Account Validation Plus Ownership API validating account status together with account-owner
    name/ownership for confirmation-of-payee style checks.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Account_Validation_Plus_Ownership_API/1.1.0
  baseURL: https://api.asig.org/afinis/accounts/aavplus/v1
  tags:
  - Account Validation
  - Name Verification
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/nacha-account-validation-plus-name.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Account_Validation_Plus_Ownership_API/1.1.0
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-account-validation-plus-name-overlay.yaml
- aid: nacha:nacha-account-validation-plus-name-ret
  name: Afinis Account Validation Plus Name Plus Return API
  description: Afinis Account Validation combined with name verification and ACH return-history signals
    in a single standardized message.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Account_Validation_Plus_Name_and_RET/1.0.4
  tags:
  - Account Validation
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/nacha-account-validation-plus-name-ret.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Account_Validation_Plus_Name_and_RET/1.0.4
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-account-validation-plus-name-ret-overlay.yaml
- aid: nacha:nacha-realtime-billing-account-validation
  name: Afinis Real-Time Billing Account Validation API
  description: Afinis Real-Time Billing Account Validation API for validating a consumer bank account
    at the point of billing enrollment.
  humanURL: https://app.swaggerhub.com/apis/ASIG/RealTimeBillingAccountValidation/1.0.7
  baseURL: https://api.afinis.org/v1
  tags:
  - Account Validation
  properties:
  - type: OpenAPI
    url: openapi/nacha-realtime-billing-account-validation.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/RealTimeBillingAccountValidation/1.0.7
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-realtime-billing-account-validation-overlay.yaml
- aid: nacha:nacha-corporate-account-balances
  name: Afinis Get Corporate Account Balances API
  description: Afinis Get Corporate Account Balances API letting a corporate/business customer retrieve
    balance information for their accounts for a date or date range.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Get_Corporate_Account_Balances_API/1.0.3
  baseURL: https://api.afinis.org/accounts/v1
  tags:
  - Cash Management
  - Corporate
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/nacha-corporate-account-balances.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Get_Corporate_Account_Balances_API/1.0.3
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-corporate-account-balances-overlay.yaml
- aid: nacha:nacha-corporate-transaction-history
  name: Afinis Get Corporate Transaction History API
  description: Afinis Get Corporate Transaction History API letting a corporate bank customer retrieve
    financial transaction history for review or integration.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Get_Corporate_Transaction_History_API/1.0.5
  baseURL: https://api.afinis.org/accounts/v1
  tags:
  - Cash Management
  - Corporate
  properties:
  - type: OpenAPI
    url: openapi/nacha-corporate-transaction-history.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Get_Corporate_Transaction_History_API/1.0.5
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-corporate-transaction-history-overlay.yaml
- aid: nacha:nacha-corporate-transaction-detail
  name: Afinis Get Transaction Detail API
  description: Afinis Get Transaction Detail API letting a corporate financial professional request detailed
    information for a specific transaction in their account.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Get_Transaction_Detail_API/1.0.4
  baseURL: https://api.afinis.org/accounts/v1
  tags:
  - Cash Management
  - Corporate
  properties:
  - type: OpenAPI
    url: openapi/nacha-corporate-transaction-detail.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Get_Transaction_Detail_API/1.0.4
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-corporate-transaction-detail-overlay.yaml
- aid: nacha:nacha-payee-profile
  name: Afinis Payee Profile API
  description: Afinis Payee Profile API for exchanging standardized payee onboarding and directory profile
    information between participants.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Payee_Profile_API/2.1.3
  baseURL: https://api.afinis.org/participants/v2
  tags:
  - Directory
  - Onboarding
  - Payee
  properties:
  - type: OpenAPI
    url: openapi/nacha-payee-profile.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Payee_Profile_API/2.1.3
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-payee-profile-overlay.yaml
- aid: nacha:nacha-wsud
  name: Afinis Written Statement of Unauthorized Debit (WSUD) API
  description: Afinis WSUD API letting an ODFI send an automated electronic request to an RDFI for a copy
    of a consumer's Written Statement of Unauthorized Debit.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Written_Statement_of_Unauthorized_Debit/1.0.8
  tags:
  - ACH
  - Disputes
  - Unauthorized
  properties:
  - type: OpenAPI
    url: openapi/nacha-wsud.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Written_Statement_of_Unauthorized_Debit/1.0.8
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-wsud-overlay.yaml
- aid: nacha:nacha-proof-of-authorization
  name: Afinis Proof of Authorization API
  description: Afinis Proof of Authorization API providing a real-time alternative message for a request
    for an ACH proof of authorization to increase automation and reduce manual handling.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Proof_of_Authorization/1.0.6
  baseURL: https://api.afinis.org/banks/v1
  tags:
  - ACH
  - Authorization
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/nacha-proof-of-authorization.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Proof_of_Authorization/1.0.6
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-proof-of-authorization-overlay.yaml
- aid: nacha:nacha-bank-contacts
  name: Afinis Bank Contacts API
  description: Afinis Bank Contacts API for retrieving standardized operational contact information for
    financial institutions.
  humanURL: https://app.swaggerhub.com/apis/ASIG/bank_contacts/1.0.5
  baseURL: https://api.afinis.org/v1
  tags:
  - Directory
  - Bank Contacts
  properties:
  - type: OpenAPI
    url: openapi/nacha-bank-contacts.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/bank_contacts/1.0.5
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-bank-contacts-overlay.yaml
- aid: nacha:nacha-bank-contact-v2
  name: Afinis Bank Contact V2 API
  description: Afinis Bank Contact V2 API, a two-step input/retrieve interface for exchanging standardized
    financial-institution contact information.
  humanURL: https://app.swaggerhub.com/apis/ASIG/Bank_Contact_V2/1.0.9
  baseURL: https://api.afinis.org/ASIG/Bank_Contact_v2/1.0.5
  tags:
  - Directory
  - Bank Contacts
  properties:
  - type: OpenAPI
    url: openapi/nacha-bank-contact-v2.json
  - type: APIReference
    url: https://app.swaggerhub.com/apis/ASIG/Bank_Contact_V2/1.0.9
  - type: Documentation
    url: https://www.nacha.org/content/apis-development
  - type: Overlay
    url: overlays/nacha-bank-contact-v2-overlay.yaml
common:
- type: DomainSecurity
  url: security/nacha-domain-security.yml
- type: AgenticAccess
  url: agentic-access/nacha-agentic-access.yml
- type: Authentication
  url: authentication/nacha-authentication.yml
- type: Website
  url: https://www.nacha.org/
- type: About
  url: https://www.nacha.org/content/about-us
- type: DeveloperPortal
  url: https://www.nacha.org/content/apis-development
- type: APIReference
  url: https://www.nacha.org/content/afinis-api-catalog
- type: Documentation
  url: https://www.nacha.org/content/afinis-interoperability-standards
- type: GettingStarted
  url: https://achdevguide.nacha.org/
- type: Rules
  url: https://www.nacha.org/rules
- type: Blog
  url: https://www.nacha.org/news
- type: LinkedIn
  url: https://www.linkedin.com/company/nacha
- type: TermsOfService
  url: https://www.nacha.org/content/legal-information
- type: Conventions
  url: conventions/nacha-conventions.yml
- type: ErrorCatalog
  url: errors/nacha-problem-types.yml
- type: Conformance
  url: conformance/nacha-conformance.yml
- type: Lifecycle
  url: lifecycle/nacha-lifecycle.yml
- type: MCPServer
  url: mcp/nacha-mcp.yml
- type: ToolCrosswalk
  url: mcp/nacha-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/nacha-llms.txt
- type: DataModel
  url: data-model/nacha-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: PrivacyPolicy
  url: https://www.nacha.org/content/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com