# Nacha

**Canonical:** https://apis.io/providers/nacha/  
**Website:** https://www.nacha.org/  
**APIs profiled:** 24

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.

## Kin Score — 38.7 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.7).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 48.5 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 54.2 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 33.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (24)

- **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.

## MCP servers (1)

- **Nacha MCP Server**

## Agentic access (1)

- **Nacha Agentic Access** — 30 operations · 25 acting

## Security (2)

- **Nacha Authentication** — apiKey · 1 scheme
- **Nacha Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, United States, ACH, Account-to-Account, Real-Time Payments, Account Validation, Payment Rails, ISO 20022, Standards, Afinis

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/nacha/). Scores are computed from the provider's own public artifacts under a published rubric.