NACHA Publishes ISO 20022 Mapping Guide

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Tool is Designed to Standardize ISO 20022 Payment Message Mapping for ACH Network Payments

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NACHA’s ISO 20022 strategy focuses on the current needs of ACH users while planning for the future of the ACH Network... [It] is an important step in helping to support ISO 20022 adoption in the United States.

NACHA—The Electronic Payments Association® announced today that it has published an ISO 20022 Mapping Guide to assist financial institutions in translating ISO 20022 payment instructions for their corporate customers into ACH payments.

ISO 20022 is the standard for financial service messaging used to describe business processes, such as payments, developed by the International Organization for Standardization (ISO), an international standard-setting body. Globally, some countries and multinational companies already have implemented ISO 20022 payment functionality.

The ACH Network currently supports usage of ISO 20022 payment remittance messages. To help support U.S. banks with their global customers that need to execute U.S. ACH payments, NACHA developed instructions outlining how to map the ISO 20022 payment files to ACH transactions. The ISO 20022 Mapping Guide standardizes the practice of mapping ISO 20022 formatted payment messages to corresponding NACHA file formats.

“NACHA’s ISO 20022 strategy focuses on the current needs of ACH users while planning for the future of the ACH Network,” said George Throckmorton, Managing Director of Network Development for NACHA. “The ISO 20022 Mapping Guide is an important step in helping to support ISO 20022 adoption in the United States.”

NACHA – in collaboration with financial institutions, corporations and industry subject matter experts – developed the data mapping tool as a first step to defining pathways for greater support of ISO 20022 in the U.S. NACHA plans to extend its mapping guidance to include additional industry needs such as debits, pre-notes, and consumer payments.

“With efforts such as the ISO 20222 Mapping Guide, NACHA is demonstrating clear leadership in the U.S. to promote and encourage the adoption of ISO 20222,” said Nasreen Quibria of Qinsights, who worked with NACHA to develop the mapping guide and a companion tool that provides standardized guidance for translating payment messages to corresponding ACH Network B2B credit transactions.

“The data mapping guide supports the growing global needs of the business community while helping to align the U.S. with the global payments infrastructure,” Quibria said.

The ISO 20022 Mapping Guide is available for download on the NACHA website.

NACHA will discuss the Mapping Guide and provide further case study information at the PAYMENTS 2015 conference that is being held now through April 22 in New Orleans, Louisiana. The “ACH Network Roadmap for ISO 20022” session will be held today at 10 a.m. CST. To learn more about PAYMENTS 2015, please visit

NACHA also will host a webinar, “How to Execute ISO 20022 Payment Initiation via the ACH Network” on May 28 to provide a technical overview of the Mapping Guide. For more information about the webinar, visit the webinar page on the NACHA website.

Additionally, NACHA’s Payments Innovation Alliance is engaging in projects exploring ISO 20022. The Alliance is a single membership program that spans across all payment areas, and creates a new inclusive voice for the payments industry and the ACH Network. To learn more about The Alliance and its work around ISO 20022, visit

About PAYMENTS 2015
PAYMENTS 2015, which is taking place April 19-22 at the New Orleans Morial Convention Center in New Orleans, Louisiana, features more than 130 educational sessions and workshops with renowned speakers from financial institutions, corporations, government agencies, legal and regulatory bodies, consulting and research firms, service providers and more. Sessions are organized along seven tracks — the ACH Network, Card Payments, Digital/Mobile, End User Experience, Game Changers & Disruptors, Risk & Security and Strategy – to address the topics of pivotal importance to payments professionals. In addition, a dynamic exhibit hall of nearly 100 industry leaders features today’s top products and services. To learn more about PAYMENTS 2015 sessions, workshops, speakers, sponsors and exhibitors, or to register, visit

The Payments Innovation Alliance
The Payments Innovation Alliance brings together diverse, global stakeholders to support payments innovation, collaboration, and results through discussion, debate, education, networking, and special projects that support the ACH Network and the payments industry worldwide. By organizing content and focus across all payment areas, including emerging payment technologies, electronic billing and presentment, mobile, payment security/risk, check conversion and global payments, the Alliance seeks to grow and advance payments and payments technology to better meet and serve the needs of the evolving industry. For more information and to learn how to join, visit    

NACHA—The Electronic Payments Association
Since 1974, NACHA – The Electronic Payments Association has served as trustee of the ACH Network, managing the development, administration and rules for the payment network that universally connects all 12,000 financial institutions in the U.S. The Network, which moves money and information directly from one bank account to another, supports more than 90 percent of the total value of all electronic payments in the U.S. Through its collaborative, self-governing model, education, and inclusive engagement of ACH Network participants, NACHA facilitates the expansion and diversification of electronic payments, supporting Direct Deposit and Direct Payment via ACH transactions, including ACH credit and debit payments, recurring and one-time payments; government, consumer and business transactions; international payments, and payments plus payment-related information. Through NACHA’s expertise and leadership, the ACH Network is now one of the largest, safest, and most reliable systems in the world, creating value and enabling innovation for all participants. Visit for more information.

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Kendra Beasley
NACHA - The Electronic Payments Association
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