Accreditation Prep

AAP

AAP Preparation Publications Package

Various Formats

The Accredited ACH Professional (AAP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the AAP examination, administered once in the fall each year, the following publications are recommended:
 

AAP Preparation Publications Package includes:

  • 2026 ACH Rules Book –  Hardcopy or Online Resource Code
  • AAP Flashcards – Electronic Version
  • ACH Compliance Manual – Hardcopy
  • ACHPro™ (Online) – Electronic Version
  • Revised Uniform Commercial Code Article 4A and the ACH System – Hardcopy

Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:

  • Customized Bookmarking
  • Keyword/Phrase Search
  • Copy options
  • Printing options

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.

 



Price: Formats:     

2026 Nacha Operating Rules & Guidelines

Online Resource (web-based)

This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with enhanced product features:

• Customized Bookmarking
• Keyword/Phrase Search
• Copy options
• Printing options

Perfect for financial institutions to provide the Nacha Rules to corporate customers or members. 

Annual publication December 31, 2025 – December 31, 2026

Please Note: All digital purchases are final.

 

 

 



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AAP Flashcards

Electronic Format

You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes five electronic flashcards "decks," each based on one of the five focus areas of the AAP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge. 

Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.

Format: Electronic Access Code



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ACH Compliance Manual - 11th Edition

Hardcopy

An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

 



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ACHPro (Online)

Electronic Format

ACHPro™ is a self-paced, computer-based training program developed to increase your knowledge of the ACH. ACHPro™ has been developed to promote knowledge of the ACH network. This tool can be used to evaluate your level of expertise of the ACH and related payment systems and to identify those areas that may require additional development. ACHPro™ was designed to make learning fun. 

ACHPro™ Challenges your knowledge in two ways: Game Mode & Test Mode

ACHPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payment Systems
• Marketing ACH
• Risk and the ACH
• ACH Rules and Regulations
• ACH Processing
• ACH Technical Requirements

Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.

In the ACHPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.

So, whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, ACHPro™ is an essential tool for your professional development.

User Access opens in May 2026 and closes on December 31, 2026.

 

 



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Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition

Hardcopy

The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.

 



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UCC Quick Reference Card

Electronic Format

Electronic Publication:

The Uniform Commercial Code (UCC), Articles 3 and 4 first published in 1952, is a set of standardized state laws that govern business and financial contracts that establishes general duty standards for parties to act in good faith and exercise ordinary care in their transactions across the United States of America (U.S.) through UCC adoption by all 50 states, the District of Columbia, and the Territories of the United States. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.

This Quick Reference Card outlines the key topics in the UCC Articles 3 and 4 with a brief description of each and the location of the UCC Reference. Together with case law, Articles 3 and 4 document legal boundaries for most aspects of check processing.

 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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APRP

APRP Preparation Publications Package

Various Formats

The APRP (Accredited Payments Risk Professional) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the APRP examination, administered once in the fall each year, the following publications are recommended:

APRP Preparation Publications Package includes:

  • ACH Rules Book – Online Resource Code or Hardcopy
  • ACH Compliance Manual - Hardcopy
  • Revised Uniform Commercial Code Article 4A and the ACH System - Hardcopy
  • ACH Risk Management Handbook - 8th Edition - Hardcopy
  • APRP Flashcards – Electronic Version
  • RiskPro™ (Online) – Electronic Version

Online Resource (web-based): This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop, or mobile device with enhanced product features:

  • Customized Bookmarking
  • Keyword/Phrase Search
  • Copy options
  • Printing options

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.



Price:   Qty:     

2026 Nacha Operating Rules & Guidelines

Online Resource (web-based)

This interactive website provides access to both the full Nacha Operating Rules & Nacha Operating Guidelines, as well as any potential supplement details. The Online Resource website has been divided into sections for easy browsing and searching of the content. This resource has been set up to allow for an easy and responsive viewing experience from a desktop computer, laptop or a mobile device with enhanced product features:

• Customized Bookmarking
• Keyword/Phrase Search
• Copy options
• Printing options

Perfect for financial institutions to provide the Nacha Rules to corporate customers or members. 

Annual publication December 31, 2025 – December 31, 2026

Please Note: All digital purchases are final.

 

 

 



Price:   Qty:     

ACH Compliance Manual - 11th Edition

Hardcopy

An essential tool to ensure compliance with the Nacha Operating Rules & Guidelines, the 11th edition offers crisp insights into authorizations, processing, and more from Nacha’s subject matter experts. Stay current with recent Rule changes on Micro-Entries and Third-Party Sender shifts and authorization updates. Whether you’re new to the payments industry or a seasoned professional, this offering simplifies complexities, provides insightful compliance tips, and includes a glossary and references to other valuable resources. 

 



Price: Shipping Options:   Qty:     

ACH Risk Management Handbook - 9th Edition

Hardcopy

The newly updated 9th edition offers essential insights into Nacha’s strategies for identifying and mitigating risks associated with ACH payments. This publication provides comprehensive recommendations for developing an effective risk management program tailored for organizations involved in ACH transactions. Importantly, the threats to ACH payments are not unique to the ACH Network; the lessons learned can be applied to create a holistic payments risk management program. The edition includes the latest 2024 Rules focusing on credit push fraud and offers methods to address evolving fraud tactics. Additionally, real-world case studies in each chapter illustrate practical applications of the concepts discussed, helping organizations evaluate and enhance their risk management practices.

 



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APRP Flashcards

Electronic Format

You can now access our APRP flashcards virtually, making it easier to fit valuable study time into your busy schedule! No need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the APRP exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge. Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.

Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.

Format: Electronic Access Code



Price: Format:   Qty:     

Revised Uniform Commercial Code Article 4A and the ACH System - 4th Edition

Hardcopy

The refreshed 4th Edition contains new statistics and evaluates the impact of the UCC 4A on security procedures, bank/corporate agreements, recommended contractual provisions, errors, unauthorized entries, and more. Includes Article 4A (law unchanged) with staff commentary. For financial institutions and corporations that handle ACH wholesale credits.

 



Price: Shipping Options:   Qty:     

RiskPro (Online)

Electronic Format

Electronic Publication: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 payments systems pose to the industry. RiskPro was designed to make learning fun.

Why Should You Purchase RiskPro™?
Updated annually to reflect the latest changes in the payments landscape and the risks they pose, the program is valuable for payments professionals, risk professionals, and new employees alike. Challenge yourself and test your knowledge using RiskPro's™ game and scorekeeping features or use it to train others.

RiskPro™ Challenges your knowledge in two ways: Game Mode & Test Mode

RiskPro™ Game Mode is a fun, interactive program, which tests your skills in six competency areas:
• Payments Risk
• Fundamentals of Risk Management
• Risk Policy and Governance
• Risk Management and Controls
• Physical and Information Security
• Regulatory Environment

Organized around the game board, you can play the practice game-winning game money and get coached along the way with feedback on your answers.

In the RiskPro™ Test Mode timed test, you will complete all the questions and receive a score rating your performance in each category. The test is all multiple-choice, and you will complete a "blacken the dot" form as you answer questions, just like in a real standardized test situation.

So whether you are looking to brush up on your payment systems skills or start a foundation that you can build upon, RiskPro™ is an essential tool for your professional development.

User Access opens in early April 2026 and closes December 31, 2026. 

 



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AFPP

AFPP Preparation Publications Package

Electronic Format

The Accredited Faster Payments Professional (AFPP) designation distinguishes its bearers as members of an elite corps of payments system professionals. To assist you in preparing for the AFPP examination, administered once in the winter each year, the following electronic publications are recommended:

AFPP Preparation Publications Package includes:

  • AFPP Flashcards
  • AFPP Core Concepts: A Study Guide
  • RTP Message Type Quick Reference Guide
  • FedNow Message Type Quick Reference Guide

Note: If your organization requires special permission to download and/or install programs, please contact your IT department for assistance before purchase.



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AFPP Core Concepts: A Study Guide

Electronic Format

The AFPP Core Concepts Study Guide is designed to reinforce fundamental concepts found on the AFPP exam. The Guide is easy to read and the graphic format is especially useful for the comprehension of difficult concepts such as Legal framework, Payment Systems comparisons, and much more. We've also provided space for you to add additional notes. An ideal resource for studying for the AFPP Exam!

Format: PDF



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AFPP Flashcards

Electronic Format

Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for AFPP exam preparation. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.

Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.

Format: Electronic Access Code



Price:   Qty:     

FedNow Message Type Quick Reference Guide

Electronic Format

The FedNow Message Type Quick Reference Guide gives fundamental information for FedNow Message Type Codes in a handy electronic format.

Format: PDF



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RTP Message Type Quick Reference Guide

Electronic Publication: The RTP Message Type Quick Reference Guide gives fundamental information for RTP Message Type Codes in a handy electronic format.

Format: PDF



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NCP

Check Returns & Adjustments Quick Reference Guide

Electronic Format

When processing check payments, there are multiple ways to resolve check exceptions: Returns (Customer and Administrative), Rule 8 & Rule 9 Claims, Adjustments, and Warranty Breach Claims. This guide will highlight the information needed to process these exceptions and how you can mitigate your risk of losses by performing tasks in a timely manner. Return codes and adjustments are provided in an easy-to-read chart that combines essential information from Accredited Standards Committee X9, ECCHO Operating Rules, and Federal Reserve. This updated guide will also include newly added adjustment types along with all forms required to be completed with certain adjustment types.
 
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


Price:   Qty:     

Check/Image Flashcards

Electronic Format

You can now access one of our most popular study aids virtually, making it easier to fit valuable study time into your busy schedule! There is no need to lug around bulky paper flashcards. Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool includes six electronic flashcard "decks," each based on one of the six focus areas of the NCP Exam. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.

 

Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.

Format: Electronic Access Code



Price: Format:   Qty:     

Check/RDC Quick Reference Cards

Electronic Format

This handy set of cards explores the commonly used adjustment investigation types, duplicate situations, and how the Regulation CC Remote Deposit Capture (RDC) Indemnity can help, the account holder's duty to discover and report an unauthorized signature or alteration and key elements of the FFIEC Guidance related to RDC. Ensure your staff always has a need-to-know check and RDC information within fingertip reach and stands ready to handle difficult exception items such as altered, counterfeit, and forged checks. Key topics covered include Check 21 expedited recredit provisions, exception holds, return reason codes, commonly used FRB adjustment information and RDC risk management tips. 

This publication is formatted as a PDF document. Users must have access to Adobe Reader.
 
Format: PDF


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CheckPro™ (Online)

Electronic Format

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. Covering 4 essential knowledge areas: Fraud and Risk, Operations, Products and Rules, Laws, and Regulations, CheckPro™ contains all the extra practice and information you need to be a successful Check Professional.

User Access opens in February 2026 and closes on December 31, 2026.

 



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