1383:
1155:
2303:
2323:
1317:
46:
1256:
1342:
1479:
2367:
2114:
2024:
1917:
2387:
2222:
2156:
2515:
1214:
2242:
897:
1429:
1235:
1196:
2428:
2181:
1677:
1134:
917:
2202:
1549:
1297:
2072:
2003:
1404:
2343:
1961:
1897:
1697:
1657:
1458:
2449:
2135:
1876:
1504:
1175:
1114:
1835:
1765:
1982:
1855:
1637:
1569:
1529:
1362:
1929:
1617:
2093:
1740:
2283:
2044:
1277:
1597:
1941:
1785:
2263:
1815:
1715:
907:
1033:, and other types of bills. Transactions received by the bank during the day are stored and transmitted in batches to the ACH. ACHs are net settlement systems, so settlement may be delayed for days, and there is some settlement risk. ACHs may allow for the transfer of a limited amount of additional information along with payment instructions.
1040:(RTGS) payments which are processed immediately by the central RTGS system and not subject to any waiting period on a one-to-one basis. ACH systems are typically used for low-value, non-urgent transactions while RTGS systems are typically used for high-value, urgent transactions.
2501:
payment of consumer bills such as mortgages, loans, utilities, insurance premiums, rents, and any other regular or membership style payment. These type of payments are usually used by businesses that collect ongoing payments from the same
1493:
3545:
2013:
2469:
1084:
When transaction arrives in the destination bank, the bank executes the transaction: such as crediting the payment to the beneficiary, while the ordering customer's bank debits the ordering customer's account.
2438:
2082:
1352:
3074:
2659:
1393:
1372:
1687:
1328:
1992:
1245:
2103:
3553:
2480:
There are various usages of ACH systems; the terminology related to different types of transactions varying in different countries. Most ACH payment systems support the following types:
1971:
1266:
1224:
2357:
2124:
1185:
2934:
2054:
979:. The ACH system is designed to process batches of payments containing numerous transactions, and it charges fees low enough to encourage its use for low-value payments.
2553:
2253:
1647:
3637:
2853:
1097:
identified 87 systems in their 2010 survey and 98 systems in their 2012 survey, while other sources have made qualitative analysis of a smaller number of ACH systems.
3362:
2995:
2333:
1667:
1048:
This section describes in a generic way the typical operation of an ACH system. Each ACH system has its own specifics; see, for example, quick facts for the
2663:
1825:
1468:
2809:
2780:
2145:
1025:
collections are initiated by the payee with pre-authorization from the payer; ACH direct debits include consumer payments such as utility bills,
1414:
3440:
3185:
1750:
1519:
1165:
1072:
The ACH operator combines the information submitted by the banks within each cycle (generally ACHs have several cycles throughout the day).
2881:
3495:
2687:
1559:
1287:
1078:
The ACH operator ensures that the settlement amounts are received from all participants for the cycle, so that the cycle can be executed.
1063:
The ordering customer makes a transaction initiation, which can be either manually or by sending a file of initiation requests to a bank.
1514:
3049:
2631:
2273:
2034:
3210:
1069:
On a periodic basis, the bank creates a file that it dispatches to the ACH either at the end of day or in cycles throughout the day.
1539:
1489:
1144:
2938:
2191:
2166:
1886:
1865:
1775:
1439:
967:) is a computer-based electronic network for processing transactions, usually domestic low value payments, between participating
3323:
1124:
1066:
The bank gathers all transaction initiations for an ACH that arrive from different customers (combining manual and file-based).
3155:
2909:
2743:
2543:
1579:
1021:
are initiated by the payer and include payments such as: direct deposits, payrolls, retail payments and vendor payments. ACH
999:
537:
403:
3240:
2406:
3694:
1730:
3704:
1725:
946:
2835:
110:
3294:
3265:
694:
445:
2059:
1206:
Xırda Ödənişlər üzrə Hesablaşma
Klirinq Sistemi (XÖHKS) / Low Value Payments Clearing and Settlement System
1075:
The ACH operator informs each bank of the net settlement amount for which they are responsible for the cycle.
848:
791:
2712:
2605:
818:
195:
2807:
2410:
639:
2487:: non-immediate transfer of funds between accounts at different financial institutions for payments by
2170:
1037:
599:
527:
359:
85:
2778:
3689:
3470:
2538:
1583:
502:
337:
19:
This article is about the generic concept. For the specific payment system in the United States, see
3448:
3023:
2533:
2353:
2313:
1907:
1307:
910:
452:
3341:
699:
342:
130:
3130:
3699:
2892:
3499:
1419:
2781:"Payment Systems Worldwide – A Snapshot – Outcomes of the Global Payment Systems Survey 2010"
2460:
968:
939:
873:
634:
572:
532:
391:
170:
160:
998:
payments. This led to the first automated clearing house in the US in 1972, operated by the
3597:
2492:
2397:
796:
771:
649:
609:
604:
472:
261:
210:
140:
120:
3575:
8:
3218:
2808:
The
International Bank for Reconstruction and Development / The World Bank (5 May 2013).
2761:
1627:
863:
689:
679:
629:
567:
276:
145:
90:
2528:
994:
In the U.S. in the late 1960s, a group of banks in
California sought a replacement for
838:
813:
709:
704:
592:
577:
552:
517:
305:
125:
30:
2579:
1795:
1026:
916:
751:
746:
587:
557:
492:
205:
2952:
3163:
1443:
932:
900:
828:
806:
786:
761:
624:
614:
522:
440:
2119:
1951:
1587:
1332:
1009:
basis. Netting ACH transactions reduces the amount of deposits a bank must hold.
868:
853:
843:
766:
756:
669:
619:
562:
542:
512:
487:
462:
376:
266:
256:
105:
80:
398:
3391:"GSIMT - Groupement pour un Système Interbancaire Marocain de Télécompensation"
2713:"Clearing and Settlement Systems from Around the World: A Qualitative Analysis"
2548:
2488:
2372:
2232:
1845:
1484:
1347:
1030:
1006:
920:
833:
801:
741:
674:
659:
654:
582:
381:
364:
347:
251:
216:
200:
185:
100:
45:
3683:
2558:
2484:
2392:
1056:
1018:
972:
878:
858:
781:
736:
507:
497:
477:
354:
165:
155:
135:
70:
60:
3102:
2779:
The
International Bank for Reconstruction and Development / The World Bank.
2744:"What is ACH?: Quick Facts About the Automated Clearing House (ACH) Network"
1017:
ACHs process large volumes of credit and debit transactions in batches. ACH
3520:
2520:
2498:
2227:
2161:
1022:
976:
664:
467:
332:
271:
228:
190:
175:
95:
75:
1081:
The ACH operator informs the destinator's bank of the transaction details.
2418:
2308:
2247:
2029:
1922:
1219:
1052:
823:
714:
684:
295:
180:
115:
65:
20:
991:
in the United
Kingdom, which started processing payments in April 1968.
2632:"Glossary of Terms Related to Payment, Clearing and Settlement Systems"
1805:
1434:
1240:
1201:
1094:
300:
3619:
2688:"The Automated Clearinghouse System: Moving Toward Electronic Payment"
3390:
3302:
3273:
2433:
2293:
2186:
1682:
1607:
1160:
1139:
413:
235:
3665:
2207:
2077:
2008:
1554:
1409:
1302:
457:
290:
2454:
2348:
2212:
2140:
1966:
1934:
1902:
1881:
1702:
1662:
1622:
1509:
1463:
1261:
1180:
1119:
776:
547:
150:
3415:
2977:
2401:
2328:
2288:
2049:
1987:
1860:
1840:
1770:
1642:
1602:
1574:
1322:
1282:
995:
327:
2414:
2268:
1946:
1820:
1790:
1720:
1534:
1388:
1367:
1049:
435:
386:
3578:. Korea Financial Telecommunications and Clearings Institute
2468:
In addition, there are various ACH associations such as the
2254:
Korea
Financial Telecommunications & Clearings Institute
3186:"How BPC and EthSwitch are interconnecting Ethiopian banks"
2554:
Society for
Worldwide Interbank Financial Telecommunication
2377:
2098:
1800:
1745:
988:
644:
482:
408:
37:
3050:"Six Cayman retail banks install automated clearing house"
2710:
1494:
Czech
Express Real Time Interbank Gross Settlement System
3638:"Cash and Treasury Management Country Report: Venezuela"
2854:"Cash and Treasury Management Country Report: Argentina"
3590:
2935:"ACH to unveil personal money transfers in early 2012"
3363:"Cash and Treasury Management Country Report: Mexico"
2996:"Cash and Treasury Management Country Report: Brazil"
2580:"Technological Developments in Indian Banking Sector"
16:
Type of electronic network for financial transactions
3075:"Cash and Treasury Management Country Report: Chile"
2762:"ACH Payments: A primer for subscription businesses"
2510:
2194:
which is part of
Singapore Automated Clearing House
1093:
There are various ACH systems around the world. The
3496:"The Saudi Arabian Riyal Interbank Express (SARIE)"
3103:"Payment, clearing and settlement systems in China"
2910:"Low Value Payments Clearing and Settlement System"
2629:
2603:
2475:
2459:Interbank Payment System (IBPS), operated by the
3681:
3538:
3148:
2738:
2736:
2014:National Institutional Facilitation Technologies
1889:(The Moroccan Interbank Remote Clearing System)
3666:"European Automated Clearing House Association"
2945:
2706:
2704:
2970:
1396:(CNAPS) Bulk Electronic Payment System (BEPS)
3355:
3211:"GIRO - Services - Interbank Clearing System"
3041:
2733:
2681:
2679:
2677:
2675:
2673:
2623:
2470:European Automated Clearing House Association
940:
3658:
3630:
2953:"Bangladesh Automated Clearing House (BACH)"
2801:
2701:
2597:
3383:
3287:
2836:"AECH - Albanian Electronic Clearing House"
2772:
2685:
2577:
3612:
3047:
2670:
2571:
1450:; National System of Electronic Payments)
947:
933:
3598:"Payment and Settlement Systems in Korea"
3463:
3342:"Israel's Payment and Settlement Systems"
3334:
277:Transaction (checking / current)
3258:
3131:"National System of Electronic Payments"
3067:
2988:
3568:
2874:
2754:
1353:Cayman Islands Automated Clearing House
987:The first automated clearing house was
3682:
3016:
2846:
2810:"Global Payment Systems Survey (GPSS)"
2662:. Bacs. April 17, 2018. Archived from
1448:Sistema Nacional de Pagos Electrónicos
1394:China National Advanced Payment System
1166:Bulk Electronic Clearing System (BECS)
1005:BACS operated from the beginning on a
3513:
3488:
3316:
3233:
3095:
2544:Pan-European automated clearing house
1580:Pan-European automated clearing house
1327:Retail System, known formally as the
1000:Federal Reserve Bank of San Francisco
3546:"Singapore Automated Clearing House"
3433:
3408:
2927:
2902:
2828:
1688:Hong Kong Interbank Clearing Limited
1329:Automated Clearing Settlement System
906:
2083:Sociedade Interbancária de Serviços
1993:Norwegian Interbank Clearing System
1373:Centro de Compensación Automatizado
1246:Bangladesh Automated Clearing House
1088:
13:
2978:"Centre for Exchange and Clearing"
2711:Michael Tompkins; Ariel Olivares.
2439:Cámera de Compensación Electrónica
2104:Camara de Compensacion Electronica
1731:National Electronic Funds Transfer
14:
3716:
3471:"Automated Clearing House - SENT"
3295:"Payment & Clearance Systems"
2660:"Half a Century of Bacs Payments"
1972:Nigeria Automated Clearing System
1726:National Automated Clearing House
3024:"Regulated and Payment Services"
2610:www.bankingsupervision.europa.eu
2513:
2447:
2426:
2385:
2365:
2341:
2321:
2301:
2281:
2261:
2240:
2220:
2200:
2179:
2154:
2133:
2112:
2091:
2070:
2042:
2022:
2001:
1980:
1959:
1939:
1927:
1915:
1895:
1874:
1853:
1833:
1813:
1783:
1763:
1738:
1713:
1695:
1675:
1655:
1635:
1615:
1595:
1567:
1547:
1527:
1502:
1477:
1456:
1427:
1402:
1381:
1360:
1340:
1315:
1295:
1275:
1267:Centre for Exchange and Clearing
1254:
1233:
1225:Bahamas Automated Clearing House
1212:
1194:
1173:
1153:
1132:
1112:
915:
905:
896:
895:
44:
3620:"System of Electronic Payments"
3203:
3178:
3123:
2606:"Payments and markets glossary"
2652:
2476:Uses of the ACH payment system
695:Strategic financial management
1:
2564:
2358:System of Electronic Payments
2125:Clearing House KIBS AD Skopje
1186:Payment Services Austria GmbH
1043:
849:Sustainable development goals
3521:"Singapore Consumer Banking"
2378:Bacs Payment Schemes Limited
1012:
7:
3324:"The Banks' Clearing House"
3241:"HKICL Electronic Clearing"
2506:
2411:Electronic Payments Network
1147:(Compensadora Electrónica)
1036:ACH payments contrast with
10:
3721:
3441:"About Automated Clearing"
2055:Krajowa Izba Rozliczeniowa
1707:Reiknistofa Bankanna (RB)
1038:real-time gross settlement
982:
600:Fractional-reserve banking
528:Enterprise risk management
18:
3695:Electronic funds transfer
2539:Electronic funds transfer
2491:customers and non-urgent
1648:DIAS Interbanking Systems
1584:Single Euro Payments Area
503:Diversification (finance)
3705:Payment clearing systems
2534:Clearing house (finance)
2354:National Bank of Ukraine
2314:Swiss Interbank Clearing
2294:Bankgirocentralen BGC AB
1908:National Bank of Moldova
961:automated clearing house
453:Automated teller machine
2695:www.philadelphiafed.org
2630:European Central Bank.
2604:European Central Bank.
700:Stress test (financial)
3190:Intelligent CIO Africa
1447:
1059:and its terminology.
971:. It may support both
969:financial institutions
3160:www.egyptianbanks.com
2941:on December 18, 2018.
2898:on November 20, 2018.
2882:"GeldService Austria"
2840:www.bankofalbania.org
2461:State Bank of Vietnam
2334:Taiwan Clearing House
2120:Republic of Macedonia
1868:(Sistema de Camaras)
874:Too connected to fail
635:Investment management
533:Environmental finance
392:Correspondent account
86:Community development
3576:"Electronic Payment"
2584:www.researchgate.net
2493:business-to-business
2398:Federal Reserve Bank
2252:HOFINET operated by
772:Exchange traded fund
650:Mathematical finance
610:Fundamental analysis
605:Full-reserve banking
211:Bank holding company
121:Export credit agency
29:Part of a series on
3166:on 19 November 2018
2768:. 22 December 2015.
1668:InterGIRO2 GIRO Zrt
1628:Deutsche Bundesbank
864:Time value of money
690:Statistical finance
680:Sustainable finance
630:Investment advisory
272:Time deposit (Bond)
2889:www.geldservice.at
2529:Clearing (finance)
2407:The Clearing House
1027:insurance premiums
839:Security (finance)
814:History of banking
710:Structured product
705:Structured finance
518:Economic expansion
31:financial services
3645:www.afponline.org
3370:www.afponline.org
3082:www.afponline.org
3003:www.afponline.org
2982:www.cecbelgium.be
2861:www.afponline.org
2814:www.worldbank.org
2788:www.worldbank.org
2766:www.chargebee.com
2686:James McAndrews.
2666:on June 18, 2020.
2639:www.ecb.europa.eu
2578:Dr. B.S. Sawant.
2466:
2465:
2413:, underpinned by
957:
956:
752:Corporate finance
747:Capital structure
722:
721:
493:Corporate finance
313:
312:
3712:
3690:Payment networks
3674:
3673:
3662:
3656:
3655:
3653:
3651:
3642:
3634:
3628:
3627:
3616:
3610:
3609:
3607:
3605:
3594:
3588:
3587:
3585:
3583:
3572:
3566:
3565:
3563:
3561:
3552:. Archived from
3542:
3536:
3535:
3533:
3531:
3517:
3511:
3510:
3508:
3507:
3498:. Archived from
3492:
3486:
3485:
3483:
3481:
3475:www.transfond.ro
3467:
3461:
3460:
3458:
3456:
3447:. Archived from
3437:
3431:
3430:
3428:
3426:
3412:
3406:
3405:
3403:
3401:
3387:
3381:
3380:
3378:
3376:
3367:
3359:
3353:
3352:
3346:
3338:
3332:
3331:
3320:
3314:
3313:
3311:
3310:
3301:. Archived from
3291:
3285:
3284:
3282:
3281:
3272:. Archived from
3262:
3256:
3255:
3253:
3251:
3245:www.hkicl.com.hk
3237:
3231:
3230:
3228:
3226:
3221:on 15 April 2021
3217:. Archived from
3207:
3201:
3200:
3198:
3197:
3182:
3176:
3175:
3173:
3171:
3162:. Archived from
3152:
3146:
3145:
3143:
3141:
3127:
3121:
3120:
3118:
3116:
3107:
3099:
3093:
3092:
3090:
3088:
3079:
3071:
3065:
3064:
3062:
3060:
3048:Spencer Fordin.
3045:
3039:
3038:
3036:
3034:
3020:
3014:
3013:
3011:
3009:
3000:
2992:
2986:
2985:
2974:
2968:
2967:
2965:
2963:
2949:
2943:
2942:
2937:. Archived from
2931:
2925:
2924:
2922:
2920:
2906:
2900:
2899:
2897:
2891:. Archived from
2886:
2878:
2872:
2871:
2869:
2867:
2858:
2850:
2844:
2843:
2832:
2826:
2825:
2823:
2821:
2805:
2799:
2798:
2796:
2794:
2785:
2776:
2770:
2769:
2758:
2752:
2751:
2740:
2731:
2730:
2728:
2726:
2717:
2708:
2699:
2698:
2692:
2683:
2668:
2667:
2656:
2650:
2649:
2647:
2645:
2636:
2627:
2621:
2620:
2618:
2616:
2601:
2595:
2594:
2592:
2590:
2575:
2523:
2518:
2517:
2516:
2453:
2451:
2450:
2432:
2430:
2429:
2391:
2389:
2388:
2371:
2369:
2368:
2347:
2345:
2344:
2327:
2325:
2324:
2307:
2305:
2304:
2287:
2285:
2284:
2267:
2265:
2264:
2246:
2244:
2243:
2226:
2224:
2223:
2206:
2204:
2203:
2185:
2183:
2182:
2160:
2158:
2157:
2139:
2137:
2136:
2118:
2116:
2115:
2097:
2095:
2094:
2076:
2074:
2073:
2063:
2048:
2046:
2045:
2028:
2026:
2025:
2007:
2005:
2004:
1986:
1984:
1983:
1965:
1963:
1962:
1945:
1943:
1942:
1933:
1931:
1930:
1921:
1919:
1918:
1901:
1899:
1898:
1880:
1878:
1877:
1859:
1857:
1856:
1839:
1837:
1836:
1826:Zengin (banking)
1819:
1817:
1816:
1789:
1787:
1786:
1769:
1767:
1766:
1744:
1742:
1741:
1719:
1717:
1716:
1701:
1699:
1698:
1681:
1679:
1678:
1661:
1659:
1658:
1641:
1639:
1638:
1621:
1619:
1618:
1601:
1599:
1598:
1573:
1571:
1570:
1553:
1551:
1550:
1533:
1531:
1530:
1508:
1506:
1505:
1483:
1481:
1480:
1469:Financial Agency
1462:
1460:
1459:
1433:
1431:
1430:
1408:
1406:
1405:
1387:
1385:
1384:
1366:
1364:
1363:
1346:
1344:
1343:
1321:
1319:
1318:
1301:
1299:
1298:
1281:
1279:
1278:
1260:
1258:
1257:
1239:
1237:
1236:
1218:
1216:
1215:
1200:
1198:
1197:
1179:
1177:
1176:
1159:
1157:
1156:
1138:
1136:
1135:
1118:
1116:
1115:
1100:
1099:
1089:Existing systems
1019:credit transfers
973:credit transfers
949:
942:
935:
919:
909:
908:
899:
898:
829:Personal finance
762:Equity (finance)
625:Impact investing
615:Growth investing
523:Enterprise value
430:
429:
241:
240:
196:Savings and loan
48:
26:
25:
3720:
3719:
3715:
3714:
3713:
3711:
3710:
3709:
3680:
3679:
3678:
3677:
3664:
3663:
3659:
3649:
3647:
3640:
3636:
3635:
3631:
3618:
3617:
3613:
3603:
3601:
3600:. Bank of Korea
3596:
3595:
3591:
3581:
3579:
3574:
3573:
3569:
3559:
3557:
3556:on May 22, 2013
3544:
3543:
3539:
3529:
3527:
3519:
3518:
3514:
3505:
3503:
3494:
3493:
3489:
3479:
3477:
3469:
3468:
3464:
3454:
3452:
3439:
3438:
3434:
3424:
3422:
3414:
3413:
3409:
3399:
3397:
3389:
3388:
3384:
3374:
3372:
3365:
3361:
3360:
3356:
3344:
3340:
3339:
3335:
3322:
3321:
3317:
3308:
3306:
3293:
3292:
3288:
3279:
3277:
3264:
3263:
3259:
3249:
3247:
3239:
3238:
3234:
3224:
3222:
3209:
3208:
3204:
3195:
3193:
3184:
3183:
3179:
3169:
3167:
3154:
3153:
3149:
3139:
3137:
3129:
3128:
3124:
3114:
3112:
3105:
3101:
3100:
3096:
3086:
3084:
3077:
3073:
3072:
3068:
3058:
3056:
3046:
3042:
3032:
3030:
3022:
3021:
3017:
3007:
3005:
2998:
2994:
2993:
2989:
2976:
2975:
2971:
2961:
2959:
2951:
2950:
2946:
2933:
2932:
2928:
2918:
2916:
2908:
2907:
2903:
2895:
2884:
2880:
2879:
2875:
2865:
2863:
2856:
2852:
2851:
2847:
2834:
2833:
2829:
2819:
2817:
2806:
2802:
2792:
2790:
2783:
2777:
2773:
2760:
2759:
2755:
2742:
2741:
2734:
2724:
2722:
2720:www.payments.ca
2715:
2709:
2702:
2690:
2684:
2671:
2658:
2657:
2653:
2643:
2641:
2634:
2628:
2624:
2614:
2612:
2602:
2598:
2588:
2586:
2576:
2572:
2567:
2519:
2514:
2512:
2509:
2485:Credit transfer
2478:
2448:
2446:
2427:
2425:
2405:
2386:
2384:
2366:
2364:
2342:
2340:
2322:
2320:
2302:
2300:
2282:
2280:
2262:
2260:
2241:
2239:
2221:
2219:
2201:
2199:
2180:
2178:
2155:
2153:
2134:
2132:
2113:
2111:
2092:
2090:
2071:
2069:
2057:
2043:
2041:
2023:
2021:
2002:
2000:
1981:
1979:
1960:
1958:
1952:equensWorldline
1940:
1938:
1928:
1926:
1916:
1914:
1896:
1894:
1875:
1873:
1854:
1852:
1834:
1832:
1814:
1812:
1804:
1799:
1784:
1782:
1764:
1762:
1739:
1737:
1729:
1714:
1712:
1696:
1694:
1676:
1674:
1656:
1654:
1636:
1634:
1616:
1614:
1596:
1594:
1568:
1566:
1548:
1546:
1528:
1526:
1518:
1503:
1501:
1478:
1476:
1457:
1455:
1428:
1426:
1418:
1403:
1401:
1382:
1380:
1361:
1359:
1341:
1339:
1333:Payments Canada
1331:(ACSS), run by
1316:
1314:
1296:
1294:
1276:
1274:
1255:
1253:
1234:
1232:
1213:
1211:
1195:
1193:
1174:
1172:
1154:
1152:
1133:
1131:
1113:
1111:
1091:
1046:
1015:
985:
953:
888:
887:
869:Too big to fail
854:Systematic risk
767:Ethical banking
757:Cost of capital
732:
724:
723:
670:Private banking
640:Islamic banking
620:Hedge (finance)
543:Ethical banking
513:Economic bubble
488:Climate finance
463:Bank regulation
427:
419:
418:
377:Instant payment
323:
315:
314:
238:
221:
220:
56:
24:
17:
12:
11:
5:
3718:
3708:
3707:
3702:
3697:
3692:
3676:
3675:
3657:
3629:
3611:
3589:
3567:
3550:www.mas.gov.sg
3537:
3512:
3487:
3462:
3451:on 23 May 2020
3432:
3407:
3382:
3354:
3349:www.boi.org.il
3333:
3328:www.boi.org.il
3315:
3286:
3257:
3232:
3202:
3177:
3147:
3135:www.bccr.fi.cr
3122:
3094:
3066:
3054:Cayman Compass
3040:
3015:
2987:
2969:
2944:
2926:
2901:
2873:
2845:
2827:
2800:
2771:
2753:
2732:
2700:
2669:
2651:
2622:
2596:
2569:
2568:
2566:
2563:
2562:
2561:
2556:
2551:
2549:Payment system
2546:
2541:
2536:
2531:
2525:
2524:
2508:
2505:
2504:
2503:
2496:
2477:
2474:
2464:
2463:
2457:
2443:
2442:
2436:
2422:
2421:
2395:
2381:
2380:
2375:
2373:United Kingdom
2361:
2360:
2351:
2337:
2336:
2331:
2317:
2316:
2311:
2297:
2296:
2291:
2277:
2276:
2271:
2257:
2256:
2250:
2236:
2235:
2233:BankservAfrica
2230:
2216:
2215:
2210:
2196:
2195:
2189:
2175:
2174:
2164:
2150:
2149:
2146:TransFonD SENT
2143:
2129:
2128:
2122:
2108:
2107:
2101:
2087:
2086:
2080:
2066:
2065:
2052:
2038:
2037:
2032:
2018:
2017:
2011:
1997:
1996:
1990:
1976:
1975:
1969:
1955:
1954:
1949:
1911:
1910:
1905:
1891:
1890:
1884:
1870:
1869:
1863:
1849:
1848:
1846:Latvijas Banka
1843:
1829:
1828:
1823:
1809:
1808:
1796:Banca d'Italia
1793:
1779:
1778:
1773:
1759:
1758:
1748:
1734:
1733:
1723:
1709:
1708:
1705:
1691:
1690:
1685:
1671:
1670:
1665:
1651:
1650:
1645:
1631:
1630:
1625:
1611:
1610:
1605:
1591:
1590:
1577:
1563:
1562:
1557:
1543:
1542:
1537:
1523:
1522:
1512:
1498:
1497:
1487:
1485:Czech Republic
1473:
1472:
1466:
1452:
1451:
1437:
1423:
1422:
1412:
1398:
1397:
1391:
1377:
1376:
1370:
1356:
1355:
1350:
1348:Cayman Islands
1336:
1335:
1325:
1311:
1310:
1305:
1291:
1290:
1285:
1271:
1270:
1264:
1250:
1249:
1243:
1229:
1228:
1222:
1208:
1207:
1204:
1190:
1189:
1183:
1169:
1168:
1163:
1149:
1148:
1142:
1128:
1127:
1122:
1108:
1107:
1104:
1090:
1087:
1086:
1085:
1082:
1079:
1076:
1073:
1070:
1067:
1064:
1045:
1042:
1031:mortgage loans
1014:
1011:
1007:net settlement
984:
981:
955:
954:
952:
951:
944:
937:
929:
926:
925:
924:
923:
913:
903:
890:
889:
886:
885:
882:
881:
876:
871:
866:
861:
856:
851:
846:
841:
836:
834:Public finance
831:
826:
821:
816:
811:
810:
809:
804:
799:
794:
789:
779:
774:
769:
764:
759:
754:
749:
744:
742:Bond (finance)
739:
733:
731:Related topics
730:
729:
726:
725:
720:
719:
718:
717:
712:
707:
702:
697:
692:
687:
682:
677:
675:Sustainability
672:
667:
662:
660:Money creation
657:
655:Mobile banking
652:
647:
642:
637:
632:
627:
622:
617:
612:
607:
602:
597:
596:
595:
590:
585:
580:
575:
570:
565:
560:
555:
545:
540:
535:
530:
525:
520:
515:
510:
505:
500:
495:
490:
485:
480:
475:
470:
465:
460:
455:
450:
449:
448:
443:
428:
425:
424:
421:
420:
417:
416:
411:
406:
401:
396:
395:
394:
384:
379:
374:
369:
368:
367:
362:
352:
351:
350:
345:
335:
330:
324:
322:Funds transfer
321:
320:
317:
316:
311:
310:
309:
308:
303:
298:
293:
285:
284:
280:
279:
275:
274:
269:
264:
259:
254:
252:Christmas club
246:
245:
239:
227:
226:
223:
222:
217:Lists of banks
214:
213:
208:
203:
198:
193:
188:
183:
178:
173:
171:Postal savings
168:
163:
158:
153:
148:
146:Mutual savings
143:
138:
133:
128:
123:
118:
113:
108:
103:
98:
93:
88:
83:
78:
73:
68:
63:
57:
55:Types of banks
54:
53:
50:
49:
41:
40:
34:
33:
15:
9:
6:
4:
3:
2:
3717:
3706:
3703:
3701:
3700:Banking terms
3698:
3696:
3693:
3691:
3688:
3687:
3685:
3671:
3670:www.eacha.org
3667:
3661:
3646:
3639:
3633:
3625:
3621:
3615:
3599:
3593:
3577:
3571:
3555:
3551:
3547:
3541:
3526:
3522:
3516:
3502:on 2020-08-11
3501:
3497:
3491:
3476:
3472:
3466:
3450:
3446:
3442:
3436:
3421:
3417:
3411:
3396:
3392:
3386:
3371:
3364:
3358:
3350:
3343:
3337:
3329:
3325:
3319:
3305:on 2021-04-27
3304:
3300:
3296:
3290:
3276:on 2021-05-27
3275:
3271:
3267:
3261:
3246:
3242:
3236:
3220:
3216:
3212:
3206:
3191:
3187:
3181:
3165:
3161:
3157:
3151:
3136:
3132:
3126:
3111:
3104:
3098:
3083:
3076:
3070:
3055:
3051:
3044:
3029:
3028:www.borica.bg
3025:
3019:
3004:
2997:
2991:
2983:
2979:
2973:
2958:
2957:www.bb.org.bd
2954:
2948:
2940:
2936:
2930:
2915:
2911:
2905:
2894:
2890:
2883:
2877:
2862:
2855:
2849:
2841:
2837:
2831:
2815:
2811:
2804:
2789:
2782:
2775:
2767:
2763:
2757:
2749:
2748:www.nacha.org
2745:
2739:
2737:
2721:
2714:
2707:
2705:
2696:
2689:
2682:
2680:
2678:
2676:
2674:
2665:
2661:
2655:
2640:
2633:
2626:
2611:
2607:
2600:
2585:
2581:
2574:
2570:
2560:
2559:Wire transfer
2557:
2555:
2552:
2550:
2547:
2545:
2542:
2540:
2537:
2535:
2532:
2530:
2527:
2526:
2522:
2511:
2500:
2497:
2494:
2490:
2486:
2483:
2482:
2481:
2473:
2471:
2462:
2458:
2456:
2445:
2444:
2440:
2437:
2435:
2424:
2423:
2420:
2416:
2412:
2408:
2403:
2399:
2396:
2394:
2393:United States
2383:
2382:
2379:
2376:
2374:
2363:
2362:
2359:
2355:
2352:
2350:
2339:
2338:
2335:
2332:
2330:
2319:
2318:
2315:
2312:
2310:
2299:
2298:
2295:
2292:
2290:
2279:
2278:
2275:
2272:
2270:
2259:
2258:
2255:
2251:
2249:
2238:
2237:
2234:
2231:
2229:
2218:
2217:
2214:
2211:
2209:
2198:
2197:
2193:
2190:
2188:
2177:
2176:
2172:
2168:
2165:
2163:
2152:
2151:
2147:
2144:
2142:
2131:
2130:
2126:
2123:
2121:
2110:
2109:
2105:
2102:
2100:
2089:
2088:
2084:
2081:
2079:
2068:
2067:
2061:
2056:
2053:
2051:
2040:
2039:
2036:
2033:
2031:
2020:
2019:
2015:
2012:
2010:
1999:
1998:
1994:
1991:
1989:
1978:
1977:
1973:
1970:
1968:
1957:
1956:
1953:
1950:
1948:
1936:
1924:
1913:
1912:
1909:
1906:
1904:
1893:
1892:
1888:
1885:
1883:
1872:
1871:
1867:
1864:
1862:
1851:
1850:
1847:
1844:
1842:
1831:
1830:
1827:
1824:
1822:
1811:
1810:
1807:
1802:
1797:
1794:
1792:
1781:
1780:
1777:
1774:
1772:
1761:
1760:
1756:
1752:
1749:
1747:
1736:
1735:
1732:
1727:
1724:
1722:
1711:
1710:
1706:
1704:
1693:
1692:
1689:
1686:
1684:
1673:
1672:
1669:
1666:
1664:
1653:
1652:
1649:
1646:
1644:
1633:
1632:
1629:
1626:
1624:
1613:
1612:
1609:
1606:
1604:
1593:
1592:
1589:
1585:
1581:
1578:
1576:
1565:
1564:
1561:
1558:
1556:
1545:
1544:
1541:
1538:
1536:
1525:
1524:
1521:
1516:
1513:
1511:
1500:
1499:
1495:
1491:
1488:
1486:
1475:
1474:
1470:
1467:
1465:
1454:
1453:
1449:
1445:
1441:
1438:
1436:
1425:
1424:
1421:
1416:
1413:
1411:
1400:
1399:
1395:
1392:
1390:
1379:
1378:
1374:
1371:
1369:
1358:
1357:
1354:
1351:
1349:
1338:
1337:
1334:
1330:
1326:
1324:
1313:
1312:
1309:
1306:
1304:
1293:
1292:
1289:
1286:
1284:
1273:
1272:
1268:
1265:
1263:
1252:
1251:
1247:
1244:
1242:
1231:
1230:
1226:
1223:
1221:
1210:
1209:
1205:
1203:
1192:
1191:
1187:
1184:
1182:
1171:
1170:
1167:
1164:
1162:
1151:
1150:
1146:
1143:
1141:
1130:
1129:
1126:
1123:
1121:
1110:
1109:
1105:
1102:
1101:
1098:
1096:
1083:
1080:
1077:
1074:
1071:
1068:
1065:
1062:
1061:
1060:
1058:
1057:United States
1054:
1051:
1041:
1039:
1034:
1032:
1028:
1024:
1020:
1010:
1008:
1003:
1001:
997:
992:
990:
980:
978:
977:direct debits
974:
970:
966:
962:
950:
945:
943:
938:
936:
931:
930:
928:
927:
922:
918:
914:
912:
904:
902:
894:
893:
892:
891:
884:
883:
880:
879:Watered stock
877:
875:
872:
870:
867:
865:
862:
860:
859:Systemic risk
857:
855:
852:
850:
847:
845:
842:
840:
837:
835:
832:
830:
827:
825:
822:
820:
819:List of banks
817:
815:
812:
808:
805:
803:
800:
798:
795:
793:
790:
788:
785:
784:
783:
780:
778:
775:
773:
770:
768:
765:
763:
760:
758:
755:
753:
750:
748:
745:
743:
740:
738:
737:Asset pricing
735:
734:
728:
727:
716:
713:
711:
708:
706:
703:
701:
698:
696:
693:
691:
688:
686:
683:
681:
678:
676:
673:
671:
668:
666:
663:
661:
658:
656:
653:
651:
648:
646:
643:
641:
638:
636:
633:
631:
628:
626:
623:
621:
618:
616:
613:
611:
608:
606:
603:
601:
598:
594:
591:
589:
586:
584:
581:
579:
576:
574:
571:
569:
566:
564:
561:
559:
556:
554:
551:
550:
549:
546:
544:
541:
539:
536:
534:
531:
529:
526:
524:
521:
519:
516:
514:
511:
509:
508:Eco-investing
506:
504:
501:
499:
498:Disinvestment
496:
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478:Capital asset
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161:Participation
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141:Middle market
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3444:
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3395:www.gsimt.ma
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3214:
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3192:. 2016-09-15
3189:
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3164:the original
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2654:
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2609:
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2583:
2573:
2521:Banks portal
2499:Direct debit
2479:
2467:
2306:
2228:South Africa
2162:Saudi Arabia
1754:
1415:ACH-Colombia
1092:
1047:
1035:
1023:direct debit
1016:
1004:
993:
986:
964:
960:
958:
792:participants
665:Pension fund
473:Asset growth
468:Bank secrecy
371:
343:Bill payment
262:Money-market
232:
215:
96:Credit union
3624:bank.gov.ua
3560:19 November
3530:18 February
3445:www.nift.pk
3420:www.bits.no
3225:23 February
3215:www.giro.hu
3170:19 November
3110:www.bis.org
3059:19 November
3033:11 February
2962:19 November
2914:www.cbar.az
2820:19 November
2793:19 November
2725:19 November
2644:19 November
2615:19 November
2589:20 November
2419:ACH Network
2309:Switzerland
2248:South Korea
2058: [
2030:Philippines
2016:(NIFT) ACH
1923:Netherlands
1751:PAYA system
1053:ACH Network
824:Market risk
715:Toxic asset
685:Speculation
573:engineering
111:Development
91:Cooperative
21:ACH Network
3684:Categories
3525:abs.org.sg
3506:2019-03-07
3455:5 December
3309:2020-01-27
3299:www.cbi.ir
3280:2020-01-27
3270:www.cbi.ir
3250:5 December
3196:2020-10-08
3115:5 February
2919:24 January
2565:References
2169:with both
1520:Nets Group
1435:Costa Rica
1241:Bangladesh
1202:Azerbaijan
1095:World Bank
1044:Operations
797:regulation
446:management
441:allocation
338:Electronic
131:Industrial
126:Investment
106:Depository
81:Commercial
3604:3 January
3582:4 January
2502:customer.
2495:payments.
2434:Venezuela
2187:Singapore
1683:Hong Kong
1608:STET-CORE
1560:EthSwitch
1288:CIP-SILOC
1161:Australia
1140:Argentina
1013:Operation
777:Financial
568:economics
548:Financial
414:BRICS PAY
206:Wholesale
201:Universal
101:Custodian
3480:19 March
3425:16 March
3156:"EG-ACH"
2507:See also
2208:Slovenia
2173:and ACH
2078:Portugal
2009:Pakistan
1757:, پایا)
1582:for the
1555:Ethiopia
1515:Eurogiro
1410:Colombia
1303:Bulgaria
901:Category
593:services
578:forecast
553:analysis
458:Bad debt
244:Accounts
229:Accounts
166:Payments
156:Offshore
136:Merchant
61:Advising
3650:1 March
3375:1 March
3087:1 March
3008:1 March
2866:1 March
2455:Vietnam
2349:Ukraine
2274:Iberpay
2213:Bankart
2141:Romania
2127:(KIBS)
2085:(SIBS)
2035:PesoNet
1995:(NICS)
1974:(NACS)
1967:Nigeria
1935:Germany
1903:Moldova
1882:Morocco
1703:Iceland
1663:Hungary
1623:Germany
1510:Denmark
1471:(FINA)
1464:Croatia
1444:Spanish
1262:Belgium
1248:(BACH)
1227:(BACH)
1220:Bahamas
1181:Austria
1120:Albania
1106:System
1103:Country
1055:in the
983:History
911:Commons
588:planner
558:analyst
306:Prepaid
267:Savings
257:Deposit
191:Savings
176:Private
151:Neobank
76:Central
38:Banking
3416:"NICS"
3400:12 May
3266:"Paya"
3140:30 May
2489:retail
2452:
2441:(CCE)
2431:
2402:FedACH
2390:
2370:
2346:
2329:Taiwan
2326:
2289:Sweden
2286:
2266:
2245:
2225:
2205:
2184:
2159:
2138:
2117:
2106:(CCE)
2096:
2075:
2064:(KIR)
2050:Poland
2047:
2027:
2006:
1988:Norway
1985:
1964:
1944:
1932:
1920:
1900:
1879:
1861:Mexico
1858:
1841:Latvia
1838:
1818:
1788:
1771:Israel
1768:
1755:Paayaa
1743:
1718:
1700:
1680:
1660:
1643:Greece
1640:
1620:
1603:France
1600:
1575:Europe
1572:
1552:
1540:EG-ACH
1532:
1507:
1490:CERTIS
1482:
1461:
1432:
1407:
1386:
1375:(CCA)
1365:
1345:
1323:Canada
1320:
1308:BISERA
1300:
1283:Brazil
1280:
1269:(CEC)
1259:
1238:
1217:
1199:
1188:(PSA)
1178:
1158:
1145:COELSA
1137:
1117:
921:Portal
844:Shares
807:system
787:market
348:Mobile
328:Cheque
296:Credit
231:
186:Retail
181:Public
116:Direct
3641:(PDF)
3366:(PDF)
3345:(PDF)
3106:(PDF)
3078:(PDF)
2999:(PDF)
2896:(PDF)
2885:(PDF)
2857:(PDF)
2816:: 1–9
2784:(PDF)
2716:(PDF)
2691:(PDF)
2635:(PDF)
2415:Nacha
2269:Spain
2192:eGIRO
2167:SARIE
2062:]
1947:Italy
1887:GSIMT
1866:SICAM
1821:Japan
1791:Italy
1776:Masav
1721:India
1588:STEP2
1535:Egypt
1440:SINPE
1420:CENIT
1389:China
1368:Chile
1050:Nacha
996:check
563:asset
436:Asset
426:Terms
387:SWIFT
301:Debit
283:Cards
236:Cards
3652:2019
3606:2024
3584:2024
3562:2018
3532:2019
3482:2019
3457:2018
3427:2021
3402:2022
3377:2019
3252:2018
3227:2021
3172:2018
3142:2022
3117:2019
3089:2019
3061:2018
3035:2022
3010:2019
2964:2018
2921:2024
2868:2019
2822:2018
2795:2018
2727:2018
2646:2018
2617:2018
2591:2018
2404:and
2171:RTGS
2148:ACH
2099:Peru
1803:and
1801:Nexi
1746:Iran
1728:and
1517:and
1417:and
1125:AECH
989:BACS
975:and
802:risk
645:Loan
583:plan
483:Cash
409:SPFS
404:CIPS
382:Giro
360:RTGS
355:Wire
333:Card
66:Banq
2417:'s
2409:'s
2400:'s
2356:'s
1806:SIA
1002:.
965:ACH
959:An
782:law
538:ESG
399:CLS
372:ACH
291:ATM
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