AAP case studies
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The Accredited ACH Professional (AAP) is a professional credential offered through Nacha, the organization that governs the ACH Network - the payment system behind Direct Deposits and Direct Payments reaching every U.S. bank and credit union account. The AAP case studies are 5 cases and about 3,396 words.
1The NOC That Landed Mid-Payroll
Meridian Payroll Services originates weekly CCD payroll credits for 1,400 employees of 60 employer clients through First Coastal Bank (ODFI). On Tuesday, February 4, First Coastal's ACH operations team forwards four Notifications of Change to Meridian: three are C03 (incorrect DFI account number) affecting employees at one client, and one is C02 (incorrect routing number) that moves an employee from First Coastal to a different receiving bank entirely.
725 words, about 4 min2The Day-58 R10
Wellness Club Billing (WCB) originates WEB debits for 22,000 gym memberships through a Third-Party Sender, Zephyr Payments, to ODFI Summit Bank. On March 3 Summit receives a return from member D.
646 words, about 3 min3The Nested Sender Nobody Registered
Cascade Payments is a Third-Party Sender processing ACH for 400 small merchants. Ninety of those merchants are boarded through a sub-ISO called Harbor Reseller, which signs the merchant agreements and passes files to Cascade; Harbor never talks to the bank.
669 words, about 3 min44:52 p.m. on the Last Day of the Quarter
Ridgeline Property Management must pay 1,900 vendor credits totaling 4.3 million today, March 31, to close its quarter. The file includes a 1.8 million payment to a general contractor and a 450,000 payment to a roofing supplier.
668 words, about 3 min5The Vendor Who Changed Banks by Email
Hartline Title originates CCD vendor credits, including 640,000 to Landmark Surveying, a vendor of twelve years. On March 2 an accounts payable clerk received an email that appeared to come from Landmark's controller, attaching a new W-9 and a bank letterhead letter with new remittance instructions.
688 words, about 3 min