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 24 APIs on the APIs.io network, including Afinis Initiate ACH Payment API, Afinis International ACH Remittance (IAR) API, Afinis IAR Plus API, and 21 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 18 more developer resources.

37.9/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
24 APIs 1 MCP Servers
PaymentsUnited StatesACHAccount-to-AccountReal-Time PaymentsAccount ValidationPayment RailsISO 20022StandardsAfinis

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality 9.4 / 25
Developer Ergonomics 12.6 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 8.8 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/nacha: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 24

Individual APIs this provider publishes, each with its own machine-readable definition.

Afinis Initiate ACH Payment API

Afinis Interoperability Standards API for initiating an ACH credit or debit payment instruction from an originator through their financial institution. Part of the Afinis standa...

Afinis International ACH Remittance (IAR) API

Afinis International ACH Remittance (IAR) API for sending remittance information tied to incoming IAT (International ACH Transaction) credits.

Afinis IAR Plus API

Afinis IAR Plus API, an extended International ACH Remittance message for incoming IAT credits carrying additional remittance detail.

Afinis Transaction Status API

Afinis Transaction Status API for querying the status of an ACH credit or debit payment by instruction ID or transaction ID.

Afinis Initiate Wire Payment API

Afinis Initiate Wire Payment API enabling a business to originate a wire transfer through its financial institution via a standardized API call.

Afinis Get Wire Status API

Afinis Get Wire Status API enabling the originator of a wire to retrieve the status of the wire payment.

Afinis Initiate Instant Payment API (IIP)

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).

Afinis Instant Payment Transfer API (IPT)

Afinis Instant Payment Transfer (IPT) API enabling a financial institution to send another financial institution an instant payment via an API.

Afinis Initiate Payment API

Afinis Initiate Payment API used to request movement of funds from a debtor account to a creditor account across supported payment rails.

Afinis Reporting ACH Return (RET) API

Afinis Reporting ACH Return (RET) API allowing originators and payment providers to share ACH return payment data in support of fraud and risk mitigation.

Afinis Authorize to Pay (Debit Authorizations) API

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.

Afinis Pay Me API

Afinis Pay Me API for requesting a payment (request-for-payment) from a payer through standardized messaging.

Afinis Account Validation API

Afinis Account Validation API for validating that a bank account is open and able to accept ACH credits or debits, reducing returns and fraud.

Afinis Account Validation Plus Ownership (Name) API

Afinis Account Validation Plus Ownership API validating account status together with account-owner name/ownership for confirmation-of-payee style checks.

Afinis Account Validation Plus Name Plus Return API

Afinis Account Validation combined with name verification and ACH return-history signals in a single standardized message.

Afinis Real-Time Billing Account Validation API

Afinis Real-Time Billing Account Validation API for validating a consumer bank account at the point of billing enrollment.

Afinis Get Corporate Account Balances API

Afinis Get Corporate Account Balances API letting a corporate/business customer retrieve balance information for their accounts for a date or date range.

Afinis Get Corporate Transaction History API

Afinis Get Corporate Transaction History API letting a corporate bank customer retrieve financial transaction history for review or integration.

Afinis Get Transaction Detail API

Afinis Get Transaction Detail API letting a corporate financial professional request detailed information for a specific transaction in their account.

Afinis Payee Profile API

Afinis Payee Profile API for exchanging standardized payee onboarding and directory profile information between participants.

Afinis Written Statement of Unauthorized Debit (WSUD) API

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.

Afinis Proof of Authorization API

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.

Afinis Bank Contacts API

Afinis Bank Contacts API for retrieving standardized operational contact information for financial institutions.

Afinis Bank Contact V2 API

Afinis Bank Contact V2 API, a two-step input/retrieve interface for exchanging standardized financial-institution contact information.

Scroll for all 24

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

nacha-mcp.yml

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nacha Authentication

apiKey · 1 scheme

SECURITY

Nacha Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Nacha Agentic Access

30 operations · 25 acting

30 operations · 25 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 4

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

Source (apis.yml)

apis.yml Raw ↑
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