Alliance Members

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UMACHA is a key partner to help enhance your understanding of electronic payments. We’re here to share knowledge, tools, and training that create confidence for our members. We serve over 645 member banks, credit unions, affiliates, and partner organizations throughout the United States. Our members and clients choose UMACHA for our expertise and collaborative approach.

Our Vision

It is our vision to be the top partner for interpreting ALL electronic payments rules and regulations for our members and clients.

Our Mission

It is our mission to bring clarity to complex rules and regulations by digging in to understand the needs of our members and clients and provide learning opportunities and consultative packages that best meet those needs.

Macha/PAR shares a common strategy with its membership in the pursuit of maximized business efficiencies, improved and evolving payment processes, reduced risk and cost, and increased participant satisfaction. Macha is a certified ECCHO Check Educational Partner, a sponsor of the Center for Payments, and as a Direct Member Payment Association of Nacha, is a specially recognized and licensed provider of ACH education, publications, and support.

Macha/PAR is recognized among its members as their primary resource for questions, training, and expertise for all their payment needs. Macha/PAR assists its members not only with ACH payments, but check, card, wire, and faster payments. Knowledge of all payment systems is critical in today’s environment as payments continue to converge and evolve.

Our training is not just for financial institutions' operations and compliance staff. We offer training focused toward the financial institution’s corporate customers as well.

Macha/PAR currently has six Accredited ACH Professionals (AAPs), four National Check Professionals (NCPs), and one Accredited Payments Risk Professional (APRP) on staff. The staff is shared between the two organizations and has over 75 years of combined experience. In order to provide the best support to our members, our staff is also encouraged to partake in continued education.



The FRPA alert system distinguishes us from other groups by gathering and providing information to law enforcement, retailers AND financial institutions.

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Your electronic library to help in fighting financial fraud for all of our partners.

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