Macha/PAR Online Store

Macha/PAR offers a wide selection of printed and electronic publications designed to assist you in the development of your electronic payment programs and procedures. These publications were developed with your needs in mind and are available at economical rates.

Are you a Macha Member? Don't forget - one of your many member benefits includes access to a variety of FREE sample forms and agreements. Visit the Members Only tab to view our selection.

Having trouble finding what you are looking for? Please let us know. We may be able to recommend an alternative or implement something in the future.

Nacha Rule Books (7)

2025 Nacha Operating Rules & Guidelines

**Hard Copy**

2025 Nacha Operating Rules & Guidelines in Print - an essential component of every ACH Network participant’s library, as a valuable hard copy reference and a must for important and required contingency planning purposes. Shipping and taxes will be added in the checkout process.

Price: Non-Member $120.00Member $60.00 Format: Hard Copy  Qty:     

Online 2025 Nacha Operating Rules & Guidelines

**Online Resource**

2025 Nacha Operating Rules & Guidelines Online Resource - an interactive website with easy browsing and searching, customized bookmarking, and copy and printing options.

Price: Non-Member $90.00Member $45.00 Format: Web-based  Qty:     

2025 Nacha Operating Rules & Guidelines via App

**eBook/App**

2025 Nacha Operating Rules & Guidelines via App - read only, ebook display identical to the hard copy book with access on up to two devices. This is a great resource for Corporate Originators!

Price: Non-Member $90.00Member $45.00 Format: eBook/App  Qty:     

Nacha Operating Rules & Guidelines Book Tabs

This set of 21 pre-printed and 4 blank self-stick tabs provides a convenient way to mark the sections of the Nacha Operating Rules & Guidelines that you reference most frequently.
Stock#: 58  

Price: Non-Member $20.00Member $10.00  Qty:     

2024 Nacha Operating Rules & Guidelines

**Hard Copy**

2024 Nacha Operating Rules & Guidelines in Print - an essential component of every ACH Network participant’s library, as a valuable hard copy reference and a must for important and required contingency planning purposes. Shipping and taxes will be added in the checkout process.

Price: Non-Member $114.00Member $57.00 Format: Hard Copy  Qty:     

Online 2024 Nacha Operating Rules & Guidelines

**Online Resource**

2024 Nacha Operating Rules & Guidelines Online Resource - an interactive website with easy browsing and searching, customized bookmarking, and copy and printing options. This is a great resource for Corporate Originators!

Price: Non-Member $78.00Member $39.00 Format: Web-based  Qty:     

2024 Nacha Operating Rules & Guidelines via App

**eBook/App**

2024 Nacha Operating Rules & Guidelines via App - read only, ebook display identical to the hard copy book with access on up to two devices. This is a great resource for Corporate Originators!

Price: Non-Member $78.00Member $39.00 Format: eBook/App  Qty:     

Sample Agreements & Policies (5)

ACH Origination Agreement

This sample agreement includes critical terms and conditions that should be addressed between your financial institution and your ACH originators. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
Stock#: 408  

Price: Non-Member $150.00Member $0.00 Format: Electronic  Qty:     

Master Cash Management & Online Banking Agreement

The sample agreement includes critical terms and conditions that should be addressed between your financial institution and your business cash management and online banking users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
Stock#: 406  

Price: Non-Member $190.00Member $95.00 Format: Electronic  Qty:     

Remote Deposit Capture (RDC) Service Agreement - Corporate

This sample agreement includes critical terms and conditions that should be addressed between your financial institution and your business RDC users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
Stock#: 202  

Price: Non-Member $150.00Member $75.00 Format: Electronic  Qty:     

Third-Party Sender Agreement

Revised for 2023

The Third-Party Sender Agreement is designed to provide the protection your financial institution needs that no other agreement can deliver. This electronic file contains a customizable Microsoft Word document that includes the critical terms and conditions needed between your financial institution and each third-party sender. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
Stock#: 402  

Price: Non-Member $190.00Member $95.00 Format: Electronic  Qty:     

Wire Transfer Agreement

This sample agreement includes the critical terms and conditions needed between your financial institution and your business wire transfer users. Please remember that all contracts and agreements should be reviewed by legal counsel prior to implementation.
Stock#: 405  

Price: Non-Member $150.00Member $75.00 Format: Electronic  Qty:     

Tools & Templates (7)

ACH Policies & Procedures Manual

Provided in an electronic format, this manual is designed to assist you with the creation and documentation of your internal ACH policies and procedures. This fully customizable document contains sample ACH policies and provides a template to guide you through documenting your ACH procedures. Each section includes the ACH rules and requirements that pertain to the individual procedure along with related sample language and guiding questions.
Stock#: 33c  

Price: Non-Member $350.00Member $175.00  Qty:     

Accredited ACH Professional (AAP) Flash Cards

Electronic Delivery

Updated to reflect the current ACH Rules changes, the AAP Flashcards provide a hands-on study aid for those planning to take the AAP Exam. Highlighting the six areas of focus on the AAP Exam, this is a great self-study tool to help registrants prepare for the exam and earn their accreditation. Timeframes, SEC codes, participant responsibilities and most of the need-to-know information is covered in this digital set of flash cards. 
Stock#: 101a  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

ACHPro Online Access

ACH Pro is a self-paced, computer-based training tool developed to increase knowledge of ACH. This program provides ACH and EFT professionals with a unique method of measuring knowledge of ACH and understanding which areas require additional improvement.
Stock#: 59  

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

Accredited Payments Risk Professional (APRP) Flash Cards

If you are planning to take the APRP Exam, the APRP Flashcards will help you study like a pro! The six areas of focus for the APRP Exam-Fundamentals of Payments Risk Management, Payments Risk Management Controls, Payments Systems, Physical & Information Security, Regulatory Environment, and Payments Risk Policy & Governance-are covered in this set of approximately 200 cards. Risk management strategies, concepts, mitigation techniques and risk considerations for payment systems are just some of the topics covered in this great study resource.
Stock#: 101b  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

CheckPro Online Access

Whether studying for the NCPC exam or keeping current with professional development, CheckPro™ is the tool that gets you where you are going. CheckPro™ has been specifically designed to help you master the changing check landscape and related payment systems.

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

Check/Image Flash Cards

Need to brush up on your check knowledge? The Check/Image Flashcards are a hands-on, convenient study aide. Sections of study covered in this set of approximately 200 cards include a general overview; rules, laws and regulations; fraud and risk mitigation; operations; products; and standards and formats. EPCOR
Stock#: 301a  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

RiskPro Online Access

RiskPro™ is a self-paced, computer-based training program developed to increase your knowledge of payments risk. RiskPro™ has been developed to promote knowledge of the risk that payments systems pose to the industry. RiskPro™ was designed to make learning fun.

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

Audit & Risk Assessment Guides (5)

ACH Audit Guide

For Macha Member Financial Institutions Only

The ACH Audit Guide takes you step-by-step through the ACH audit process. The Guide is based on the Nacha Operating Rules and addresses all the current requirements. Macha publications are only for sale to financial institution members and may not be resold, transferred or assigned.
Stock#: 27a  

Price: $250.00 Format: Electronic  Qty:     

ACH Risk Assessment Guide

For Macha Member Financial Institutions Only

This Guide is designed to help safeguard your financial institution from potential loss. The ACH Risk Assessment will help you determine your potential ACH risks and develop mitigating controls. Macha publications are only for sale to financial institution members and may not be resold, transferred or assigned.
Stock#: 401  

Price: $150.00 Format: Electronic  Qty:     

Remote Deposit Capture (RDC) Risk Assessment Guide

For Macha Member Financial Institutions Only

The Risk Assessment Guide is designed to help financial institutions apply the FFIEC Guidance to their Remote Deposit Capture (RDC) program. This risk assessment looks at your operations and helps you identify those that could lead to potential risk. Macha publications are only for sale to financial institution members and may not be resold, transferred or assigned.
Stock#: 61a  

Price: $150.00 Format: Electronic  Qty:     

Third-Party Sender ACH Audit Guide

For Macha Member Financial Institutions Only

The Third-Party Sender ACH Audit Guide is designed to assist Third-Party Senders in conducting their annual ACH audit as required by the Nacha Operating Rules. Provided electronically, to allow for distribution to all your Third-Party Senders, the guide includes audit worksheets that will take your Third-Party Senders step-by-step through the audit process. Macha publications are only for sale to financial institution members and may not be resold, transferred or assigned.
Stock#: 403  

Price: $199.00 Format: Electronic  Qty:     

Third Party Sender ACH Risk Assessment

For Macha Member Financial Institutions Only

In addition to the annual ACH Audit, Nacha now requires a risk assessment of all Third-Party Senders. Based off Macha’s award-winning ACH Risk Assessment, the Third-Party Risk Assessment covers universal risks associated with the activity.

Price: $150.00 Format: Electronic Copy  Qty:     

Handbooks (5)

ACH Compliance Manual

How to Comply with ACH-Related Rules & Regulations - 11th Edition

This comprehensive manual explains the requirements of the Nacha Operating Rules & Guidelines and covers topics such as authorizations, disclosures, processing, funds availability, settlement, error resolution, returns, reversals, retention, audit, all Standard Entry Class Codes and more. It also provides a general overview of related Federal Regulations as well as helpful compliance tips, a resource list, and glossary of terms. 
Stock#: 2  

Price: Non-Member $120.00Member $60.00 Format: Hard Copy  Qty:     

Revised Uniform Commercial Code Article 4A and the ACH Network

4th Edition

New, easy to understand edition. Evaluates the impact of UCC 4A on security procedures and bank/corporate agreements. For financial institutions and corporations that handle ACH wholesale credits.
Stock#: 47  

Price: Non-Member $120.00Member $60.00 Format: Book  Qty:     

Third-Party Senders & The ACH Network (4th Edition)

An Implementation Guide

This publication from Nacha provides a review of the variations in legal requirements and processing obligations relating to the origination of ACH entries when a Third-Party Service Provider, acting as a Third-Party Sender, is involved in the origination of transactions through the ACH Network.
Stock#: 42  

Price: Non-Member $80.00Member $40.00 Format: Book  Qty:     

ACH Origination Implementation Guide

Want to begin originating ACH, but don’t know where to start? Macha has developed an origination guide to assist your organization in implementing ACH origination.

Price: Non-Member $160.00Member $80.00 Format: Electronic Copy  Qty:     

ACH Risk Management Handbook

A Comprehensive Guide to Mitigating Risk (8th Edition)

ACH participants must take action to control risk in any payment system – including ACH. This edition explains the types of ACH payments risk, assesses the operational implications and provides best practices for developing an effective risk management program. In addition, case studies are included in each chapter to offer realistic examples to assist you in evaluating and implementing your risk control program.
Stock#: 3  

Price: Non-Member $90.00Member $60.00 Format: Book  Qty:     

Quick Reference (6)

Instant Payments Quick Reference Cards

Have you implemented Instant Payments and are looking for a general, day-to-day guide? Our Quick Reference cards provide your teams with an operational resource to disputes, processing codes, definitions, and more!

Price: Non-Member $70.00Member $35.00 Format: Electronic  Qty:     

Quick Reference Cards for Exception Handling

Online Resource (Members Only)

These handy cards are a must have for every financial institution! They provide a simple and quick way to look up the Nacha Operating Rules as you are processing your daily ACH activity.
Stock#: 23  

Price: $35.00 Format: Online Resource  Qty:     

Quick Reference Cards for Exception Handling

Hard Copy

These handy cards are a must have for every financial institution! They provide a simple and quick way to look up the Nacha Operating Rules as you are processing your daily ACH activity.
Stock#: 23  

Format: Member Only $35.00Non-Member $70.00  Qty:     

Frontline ACH Quick Reference Cards

These user-friendly cards contain the information your frontline staff needs to know about ACH. Designed to assist your frontline staff with handling payment calls and inquiries from accountholders, the cards provide them with critical information right at their fingertips.
Stock#: 28  

Price: Non-Member $60.00Member $30.00 Format: Electronic  Qty:     

Government Payments Exception Handling Cards

These cards are durable for your desktop and right at your fingertips to get all the critical information for handling federal government exceptions. They provide a simple and quick way to lookup the required information from The Green Book: A Guide to Federal Government ACH Payments and Collections. These detailed cards are a must for every financial institution.
Stock#: 79  

Price: Non-Member $60.00Member $30.00 Format: Electronic  Qty:     

Quick Reference Cards for Originators

The Quick Reference Cards for Originators were designed to help your originators with a quick reference to exceptions such as; returns, NOCs, reversals, and the rules they need to follow.
Stock#: 206  

Price: Non-Member $60.00Member $30.00 Format: Electronic  Qty:     

Other: Educational Offers (18)

AAP Test Prep Package (Macha)

Macha offers a special incentive package to individuals who want to take the AAP exam in October. You will need certain publications for reference and study as well as training sessions, which cover information necessary to pass the AAP exam.
Stock#: 101  

Price: Non-Member $1900.00Member $950.00  Qty:     

Accredited ACH Professional (AAP) Flash Cards

Electronic Delivery

Updated to reflect the current ACH Rules changes, the AAP Flashcards provide a hands-on study aid for those planning to take the AAP Exam. Highlighting the six areas of focus on the AAP Exam, this is a great self-study tool to help registrants prepare for the exam and earn their accreditation. Timeframes, SEC codes, participant responsibilities and most of the need-to-know information is covered in this digital set of flash cards. 
Stock#: 101a  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

ACHPro Online Access

ACH Pro is a self-paced, computer-based training tool developed to increase knowledge of ACH. This program provides ACH and EFT professionals with a unique method of measuring knowledge of ACH and understanding which areas require additional improvement.
Stock#: 59  

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

AFPP Accreditation Prep Package

Price: Non-Member $1300.00Member $650.00  Qty:     

Accredited Payments Risk Professional (APRP) Flash Cards

If you are planning to take the APRP Exam, the APRP Flashcards will help you study like a pro! The six areas of focus for the APRP Exam-Fundamentals of Payments Risk Management, Payments Risk Management Controls, Payments Systems, Physical & Information Security, Regulatory Environment, and Payments Risk Policy & Governance-are covered in this set of approximately 200 cards. Risk management strategies, concepts, mitigation techniques and risk considerations for payment systems are just some of the topics covered in this great study resource.
Stock#: 101b  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

APRP Accreditation Prep Package

Price: Non-Member $1500.00Member $750.00  Qty:     

CheckPro Online Access

Whether studying for the NCPC exam or keeping current with professional development, CheckPro™ is the tool that gets you where you are going. CheckPro™ has been specifically designed to help you master the changing check landscape and related payment systems.

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

Check/Image Flash Cards

Need to brush up on your check knowledge? The Check/Image Flashcards are a hands-on, convenient study aide. Sections of study covered in this set of approximately 200 cards include a general overview; rules, laws and regulations; fraud and risk mitigation; operations; products; and standards and formats. EPCOR
Stock#: 301a  

Price: Non-Member $230.00Member $115.00 Format: Electronic  Qty:     

2025 Educational Package Plan

Macha Members-Only Benefit

Macha's Educational Package Plan offers the convenience and cost savings of making a one-time payment for an entire calendar year of training. Think of them as educational season tickets! Any staff member(s), from any department within your organization, may attend Macha training as defined in the plan purchased. Educational Package Plan is a members-only benefit!

Plan: Individual $1250.00Group $3350.00 Additional Individual Plan: Click dropdown to selectAdditional Individual Plan $1150.00    

2024 Educational Package Plan

Macha Members-Only Benefit

Macha's Educational Package Plan offers the convenience and cost savings of making a one-time payment for an entire calendar year of training. Think of them as educational season tickets! Any staff member(s), from any department within your organization, may attend Macha training as defined in the plan purchased. Educational Package Plan is a members-only benefit!

Plan: Individual $1250.00Group $3350.00 Additional Individual Plan: Click dropdown to selectAdditional Individual Plan $1150.00    

NCP Accreditation Prep Package

Macha has built this special preparation package to prepare individuals for the National Check Professional (NCP) Exam.

Price: Non-Member $3300.00Member $1650.00  Qty:     

PacPay AAP Test Prep Package

PacPay and Macha/PAR offer a special incentive package to individuals who want to take the AAP exam in October. You will need certain publications for reference and study as well as training sessions, which cover information necessary to pass the AAP exam.
Stock#: 101  

Style: Member $800.00Non-Member $1600.001 Comp Code $625.002 Comp Codes $450.003 Comp Codes $275.004 Comp Codes $100.005 Comp Codes   Qty:     

PacPay AFPP Accreditation Prep Package

Style: Member $650.00Non-Member $1300.001 Comp Code $475.002 Comp Codes $300.003 Comp Codes $125.004+ Comp Codes   Qty:     

PacPay APRP Accreditation Prep Package

Style: Member $750.00Non-Member $1500.001 Comp Code $575.002 Comp Codes $400.003 Comp Codes $225.004 Comp Codes $50.005 Comp Codes   Qty:     

2025 PacPay Educational Package Plan

PacPay Members-Only Benefit

PacPay & Macha's Educational Package Plans offer the convenience and cost savings of making a one-time payment for an entire calendar year of training. Think of them as educational season tickets! Any staff member(s), from any department within your organization, may attend Macha training as defined in the plan purchased. Educational Package Plans are a members-only benefit!

Plan: Individual $650.00Group $1250.001 Comp Code Individual $475.002 Comp Codes Individual $300.003 Comp Codes Individual $125.004 Comp Codes Individual 1 Comp Code Group $1075.002 Comp Codes Group $900.003 Comp Codes Group $725.004 Comp Codes Group $550.005 Comp Codes Group $375.00  Qty:     

2024 PacPay Educational Package Plan

PacPay Members-Only Benefit

PacPay & Macha's Educational Package Plans offer the convenience and cost savings of making a one-time payment for an entire calendar year of training. Think of them as educational season tickets! Any staff member(s), from any department within your organization, may attend Macha training as defined in the plan purchased. Educational Package Plans are a members-only benefit!

Plan: Individual $650.00Group $1250.001 Comp Code Individual $475.002 Comp Codes Individual $300.003 Comp Codes Individual $125.004 Comp Codes Individual 1 Comp Code Group $1075.002 Comp Codes Group $900.003 Comp Codes Group $725.004 Comp Codes Group $550.005 Comp Codes Group $375.00  Qty:     

PacPay NCP Accreditation Prep Package

Macha has built this special preparation package to prepare individuals for the National Check Professional (NCP) Exam.

Style: Member $1650.00Non-Member $3300.001 Comp Code $1475.002 Comp Codes $1300.003 Comp Codes $1125.004 Comp Codes $950.005 Comp Codes $775.00  Qty:     

RiskPro Online Access

RiskPro™ is a self-paced, computer-based training program developed to increase your knowledge of payments risk. RiskPro™ has been developed to promote knowledge of the risk that payments systems pose to the industry. RiskPro™ was designed to make learning fun.

Price: Non-Member $230.00Member $115.00 Format: Online   Qty:     

Faster Payments Cookbook (2)

Instant Payments Cookbook

FedNow, RTP, or both? Macha’s Instant Payments Cookbook has you covered! Designed specifically for financial institutions, this digital guide offers clear answers to all your instant payments questions. It’s the ultimate resource for smoothly and securely integrating instant payments into your systems.

Price: Non-Member $500.00Member $250.00 Format: Electronic  Qty:     

Instant Payments Quick Reference Cards

Have you implemented Instant Payments and are looking for a general, day-to-day guide? Our Quick Reference cards provide your teams with an operational resource to disputes, processing codes, definitions, and more!

Price: Non-Member $70.00Member $35.00 Format: Electronic  Qty: