Nacha
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.
Nacha publishes 19 APIs on the APIs.io network, including Account Validation API, Accounts API, ACH Payments API, and 16 more. Tagged areas include Payments, United States, ACH, Account-to-Account, and Real-Time Payments.
Nacha’s developer surface includes authentication, API reference, documentation, getting-started guide, engineering blog, and 44 more developer resources.
Kin Score
APIs 19
Individual APIs this provider publishes, each with its own machine-readable definition.
Nacha Account Validation API
The Account Validation API from Nacha — 1 operation(s) for account validation.
Nacha Accounts API
The Accounts API from Nacha — 4 operation(s) for accounts.
Nacha ACH Payments API
The ACH Payments API from Nacha — 2 operation(s) for ach payments.
Nacha ACH Transaction Status API
The ACH Transaction Status API from Nacha — 4 operation(s) for ach transaction status.
Nacha Authorize to Pay API
The Authorize to Pay API from Nacha — 1 operation(s) for authorize to pay.
Nacha Banks API
The Banks API from Nacha — 1 operation(s) for banks.
Nacha Expand Bank Contact V2 API
The Expand Bank Contact V2 API from Nacha — 1 operation(s) for expand bank contact v2.
Nacha Get Corporate Account Balances API
The Get Corporate Account Balances API from Nacha — 1 operation(s) for get corporate account balances.
Nacha Get Corporate Transaction History API
The Get Corporate Transaction History API from Nacha — 2 operation(s) for get corporate transaction history.
Nacha Get Participants Profile API
The Get Participants Profile API from Nacha — 1 operation(s) for get participants profile.
Nacha Initiate Payment API
The Initiate Payment API from Nacha — 1 operation(s) for initiate payment.
Nacha Instant Payment API
The Instant Payment API from Nacha — 1 operation(s) for instant payment.
Nacha Instant Payment Transfer API
The Instant Payment Transfer API from Nacha — 1 operation(s) for instant payment transfer.
Nacha International ACH Remittance (IAR) API
The International ACH Remittance (IAR) API from Nacha — 2 operation(s) for international ach remittance (iar).
Nacha Proof of Authorization API
The Proof of Authorization API from Nacha — 1 operation(s) for proof of authorization.
Nacha Reporting ACH Return Payments API
The Reporting ACH Return Payments API from Nacha — 1 operation(s) for reporting ach return payments.
Nacha Route Billing Information API
The Route Billing Information API from Nacha — 1 operation(s) for route billing information.
Nacha Wire Transfer API
The Wire Transfer API from Nacha — 2 operation(s) for wire transfer.
Nacha Written Statement of Unauthorized Debit (WSUD) API
The Written Statement of Unauthorized Debit (WSUD) API from Nacha — 1 operation(s) for written statement of unauthorized debit (wsud).
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Open Collections 24
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
AV + Name + Return
OPEN COLLECTIONAccount Validation Plus Ownership API
OPEN COLLECTIONAccount Validation APIs
OPEN COLLECTIONDebit Authorizations
OPEN COLLECTIONBank Contact V2
OPEN COLLECTIONBank Contacts APIs
OPEN COLLECTIONGet Corporate Account Balances API
OPEN COLLECTIONGet Transaction Detail API
OPEN COLLECTIONGet Corporate Transaction History API
OPEN COLLECTIONGet Wire Status
OPEN COLLECTIONIAR Plus API
OPEN COLLECTIONIAR_API
OPEN COLLECTIONInitiate Instant Payment API (IIP)
OPEN COLLECTIONInitiate Payment API
OPEN COLLECTIONInitiate Payment API
OPEN COLLECTIONInitiate Wire Payment API
OPEN COLLECTIONInstant Payment Transfer (IPT)
OPEN COLLECTIONPay Me API
OPEN COLLECTIONPayee Profile API
OPEN COLLECTIONProof of Authorization API
OPEN COLLECTIONReal Time Billing Account Validation User Story 1
OPEN COLLECTIONRET (Reporting ACH Return Payments) API
OPEN COLLECTIONTransaction Status API
OPEN COLLECTIONScroll for all 24
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 24
Properties that don't map to a standard resource type
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Source (apis.yml)
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