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Full detail: Where this data comes from
Nacha (formerly the National Automated Clearing House Association) is the nonprofit, member-governed steward of the ACH Network — the batch account-to-account payment rail that moves consumer and business direct deposits, direct payments, bill pay, and B2B transfers across the United States, totaling more than 30 billion payments and over $80 trillion in value annually. Nacha writes and enforces the Nacha Operating Rules that bind participating depository financial institutions, but it is not itself an ACH Operator — the Federal Reserve (FedACH) and The Clearing House clear and settle the files. Nacha does not run a public self-serve 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, and through Phixius, its payment-information exchange platform.
APIs.json: https://raw.githubusercontent.com/api-evangelist/nacha/refs/heads/main/apis.yml
- 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
Nacha is a rulebook- and documentation-first scheme steward, not a self-serve PSP. There is no Nacha-hosted production payments API. What is real and public is the Afinis API Catalog: 24 standardized Swagger 2.0 (OpenAPI) specifications hosted on SwaggerHub under the ASIG organization, catalogued at nacha.org/content/apis-development. These are interoperability standards intended for financial institutions and their vendors to implement; each declares an API-key (apikey query parameter) security scheme and requires developer registration with Afinis. All 24 specs are harvested verbatim into openapi/.
Payment initiation
- Afinis Initiate ACH Payment API — Swagger ·
openapi/nacha-initiate-payment.json - Afinis Initiate Payment API — Swagger ·
openapi/nacha-initiate-payment-api.json - Afinis Pay Me API (request-for-payment) — Swagger ·
openapi/nacha-pay-me.json - Afinis Authorize to Pay (Debit Authorizations) API — Swagger ·
openapi/nacha-authorize-to-pay.json
Instant & wire payments
- Afinis Initiate Instant Payment API (IIP) — Swagger ·
openapi/nacha-initiate-instant-payment.json - Afinis Instant Payment Transfer API (IPT) — Swagger ·
openapi/nacha-instant-payment-transfer.json - Afinis Initiate Wire Payment API — Swagger ·
openapi/nacha-initiate-wire-payment.json - Afinis Get Wire Status API — Swagger ·
openapi/nacha-get-wire-status.json
Cross-border (International ACH Remittance)
- Afinis International ACH Remittance (IAR) API — Swagger ·
openapi/nacha-iar.json - Afinis IAR Plus API — Swagger ·
openapi/nacha-iar-plus.json
Status, returns & disputes
- Afinis Transaction Status API — Swagger ·
openapi/nacha-transaction-status.json - Afinis Reporting ACH Return (RET) API — Swagger ·
openapi/nacha-ret.json - Afinis Written Statement of Unauthorized Debit (WSUD) API — Swagger ·
openapi/nacha-wsud.json - Afinis Proof of Authorization API — Swagger ·
openapi/nacha-proof-of-authorization.json
Account validation & fraud
- Afinis Account Validation API — Swagger ·
openapi/nacha-account-validation.json - Afinis Account Validation Plus Ownership (Name) API — Swagger ·
openapi/nacha-account-validation-plus-name.json - Afinis Account Validation Plus Name Plus Return API — Swagger ·
openapi/nacha-account-validation-plus-name-ret.json - Afinis Real-Time Billing Account Validation API — Swagger ·
openapi/nacha-realtime-billing-account-validation.json
Corporate cash management
- Afinis Get Corporate Account Balances API — Swagger ·
openapi/nacha-corporate-account-balances.json - Afinis Get Corporate Transaction History API — Swagger ·
openapi/nacha-corporate-transaction-history.json - Afinis Get Transaction Detail API — Swagger ·
openapi/nacha-corporate-transaction-detail.json
Directory services
- Afinis Payee Profile API — Swagger ·
openapi/nacha-payee-profile.json - Afinis Bank Contacts API — Swagger ·
openapi/nacha-bank-contacts.json - Afinis Bank Contact V2 API — Swagger ·
openapi/nacha-bank-contact-v2.json
- Website
- About
- Developer Portal — Afinis API Catalog
- API Reference — Afinis API Catalog
- Documentation — Afinis Interoperability Standards
- Getting Started — ACH Guide for Developers
- Nacha Operating Rules
- News / Blog
- Terms / Legal Information
FN: Kin Lane Email: kin@apievangelist.com