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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Nacha the way a machine reads it — 46 machine-readable artifacts across 24 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Nacha scores 38.3/100 (thin), with a separate agent-readiness read of 26/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
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How we profile Nacha
Each block below is one kind of artifact we hold for Nacha. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 19
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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).
Scroll within the panel for all 19 ·
Open Collections 24
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
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 within the panel for all 24 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Nacha — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
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
Scroll within the panel for all 24 ·
← All providers · Data indexed from github.com/api-evangelist/nacha · machine-readable index on apis.io
This is an independent, third-party profile of Nacha, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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