Accredited ACH Professional (AAP)

Propel your business forward and earn recognition throughout the payments industry

What's an AAP®?AAP Logo

Accredited ACH Professional (AAP) designation is obtained by passing a nationally administered exam given annually in October. The AAP exam covers a wide range of ACH information including; knowledge of the ACH Network and comparative payment systems; knowledge of ACH rules and regulations; technical ACH skills, including operational requirements; understanding of ACH products and applications; risk management and other policy issues; marketing ACH services; management of electronic payment services; Regulation E and other federal requirements.

AAP accreditation is valid for five years and you may maintain your AAP status by earning and reporting continuing education credits or passing another AAP exam. Participation in UMACHA's ACH training sessions and annual conference all qualify as continuing education credits.

For more information about AAP certification, visit:

Why should I become certified?

  • An Accredited ACH Professional (AAP®) designation recognizes professionals who have successfully proven a certain level of understanding of the current ACH payments landscape. This sets you apart by:
  • Recognizing your knowledge and comprehension of ACH payments
  • Recognizing you as a leader in your field
  • Strengthening your professional credibility
  • Demonstrating your commitment to customer service
  • Demonstrating your commitment to stay on the leading edge of industry trends and topics of interest
  • Positioning you for professional advancement

Why should I have my employees certified?

The Accredited ACH Professional certification program enhances the credibility of your team and gives you a competitive advantage in a constantly changing and challenging environment with:

  • Improved customer service
  • Improved audit performance
  • Enhanced understanding of industry products, trends, and practices
  • Increased understanding of how and why ACH payments continue to provide value for your customers
  • Increased industry leaders
  • An industry-recognized opportunity for employee professional development and advancement

UMACHA Can Help!

UMACHA will help you attain the Accredited ACH Professional (AAP) designation. Many financial institutions and companies want staff to become AAPs to show their commitment to having expert ACH knowledge so that they may ensure safe and efficient processing of customer's electronic payments. AAPs demonstrate experience and expertise in ACH operations, product management and marketing strategies.

UMACHA provides a variety of preparation training sessions for AAP candidates including webinars, teleseminars, and classroom sessions. 

The 2018 AAP Exam Preparation Series

The AAP Exam Preparation Series is ideal for UMACHA members who are considering, or are planning on sitting for, the AAP exam in the fall. Attendees will receive guidance on how to plan and execute a customized training blueprint to ensure their success. 

Free Informational Webinar Recording: Becoming an AAP Webinar Recording 2016
Download Presentation Slides (.pdf) 

Seize the opportunity to enhance your career and promote your credibility as an Accredited ACH Professional now.

Still need to convince management of the value you will add if you became an AAP? 
Download the  AAP Justification Letter

CLICK HERE to contact UMACHA or NACHA for more AAP registration information and helpful 2018 AAP Exam Prep Study Aids

Renewing the AAP® Certification

AAP® accreditation is valid for five years. You may maintain your status as an AAP by earning and reporting 60 continuing education credits during the five year period or by passing another exam. Participation in AAP® training sessions, Payments University, and select annual conference sessions all qualify as continuing education credits.

Useful Links for AAPs

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