NACHA Enhances ISO 20022-to-ACH Mapping Guide

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The Guide, which standardizes ISO 20022 payment message mapping for ACH Network transactions, now includes information to map debit transactions, additional credit transactions, rejections and returns, and Same Day ACH transactions. NACHA also releases a case study showcasing the value of the business use of ISO 20022 and holds a webinar to provide guidance on related financial institution opportunities and features of the mapping guide.

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Given the ACH Network’s ability to support ISO 20022 messages, NACHA has been leading efforts for a number of years to develop programs and tools to educate, support and encourage use of the standard.

NACHA —The Electronic Payments Association® announced today that it has published an enhanced version of its ISO 20022-to-ACH Mapping Guide to assist financial institutions in translating ISO 20022 payment instructions into ACH payments for their business customers. The Guide, which previously only provided information to map ISO 20022-formatted payment messages to corresponding ACH Network business credit and international transactions, now includes instructions for mapping debit and additional credit transactions, rejections and returns, as well as Same Day ACH.

“Given the ACH Network’s ability to support ISO 20022 messages, NACHA has been leading efforts for a number of years to develop programs and tools to educate, support and encourage use of the standard,” said Janet O. Estep, president and CEO of NACHA. “To continue to meet the evolving needs of the industry as more organizations seek to leverage ISO 20022, we are always looking to refine and create the tools necessary to support those needs. NACHA’s enhanced ISO 20022-to-ACH Mapping Guide serves as another valuable resource to support the seamless and consistent integration of ISO 20022 across organizations as they look to enhance and improve operational processes.”

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. The ISO 20022-to-ACH Mapping Guide, developed in collaboration with financial institutions, corporations and industry subject matter experts, helps financial institutions support their global customers that need to execute U.S. ACH payments by outlining the mapping of ISO 20022 payment files to ACH transactions. Specifically, the enhanced Guide provides instructions on how to translate ISO messages to ACH Network business and consumer transactions – both credit and debit transactions – as well as returns and rejected items, and Same Day ACH.

“We commend the leadership role NACHA has taken with respect to ISO 20022 industry education and support,” said Gordon Skjeie, first vice president, DNB Bank ASA. “The resources they have developed, including the ISO 20022-to-ACH Mapping Guide, have provided the tools we need to successfully support our growing base of customers that want to efficiently execute ACH payments. These types of tools allow us to continue to serve as that valued resource to our corporate customers.”

“NACHA’s mapping effort is the product of diligent work with the key industry stakeholders leading the adoption of the ISO 20022 standard in the U.S.,” said Nasreen Quibria, Managing Director & Founder of Qinsights, the organization that worked with NACHA to develop the Guide. “Understanding their approaches helped in building a harmonized resource that will ultimately result in more consistent data exchange between corporations and their banks.”

As part of its ISO 20022 strategy for the ACH Network, NACHA will continue to develop tools and resources and provide educational opportunities to support integration of ISO 20022. Additionally, NACHA will continue to work together with the industry to explore options for greater integration via mapping and/or incremental changes to the ACH Network to help bring the benefit of consistency to all organizations and payments.

To download the ISO 20022-to-ACH Mapping Guide, visit NACHA’s ISO 20022 Resource Center.

NACHA will host a free webinar, “How to Execute Standardized ISO 20022 Payment Initiation via the ACH Network,” on Dec. 6 to provide an overview of the ISO 20022 landscape and details around use of the enhanced ISO 20022-to-ACH Mapping Guide. For more information or to register, visit NACHA Webinars.

NACHA also recently released a case study showcasing how a large company leveraged the ISO 20022 standard to reduce costs, streamline processes, and gain efficiencies. The case study is an additional resource financial institutions and businesses can use to learn how ISO 20022 is being applied in practice and the value it brings to organizations. To download the case study, visit NACHA’s ISO 20022 Resource Center.

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About 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 by moving money and information directly from one bank account to another. Financial institutions exchange 24 billion ACH payments valued at $41 trillion annually. 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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