NACHA Compliance

Call 1-800-684-0388 Today!

Ready to start reducing your returns and ensure compliance?

NACHA Compliance Solutions

NACHA is an industry trade organization and the administrator of the Automated Clearing House (ACH) Network, responsible for authoring ACH operating rules, and performing rules enforcement and risk management. The NACHA Operating Rules provide the legal foundation for the exchange of ACH payments and ensure that the ACH Network remains efficient, reliable, and secure for the benefit of all participants.

ABA Routing Numbers and NACHA Compliance

To reduce the number of administrative returns entered in the ACH Network, NACHA compliance requires companies originating ACH transactions to use commercially reasonable procedures to verify that routing numbers are valid for WEB and TEL ACH transactions.

Validate ABA Routing Numbers

One way to do this is to verify the length and the check digit of the routing number, and to make sure it is properly formed. However, verifying the length cannot prevent the use of the routing number.

Options for Compliance

Lyons Commercial Data offers two excellent options for payment processors to achieve NACHA compliance and perform ABA Number Verification at a reasonable cost per transaction. The iBankRegistry routing number database is available by subscription as an FTP download or via an XML Web Service.

Optionally, subscribers can access iBankRegistry data online when performing research on failed payments. Lyons iBankRegistry online database access provides flexible search capabilities, yielding accurate results with limited information including partial bank routing numbers and previously used bank routing numbers. Registered users receive instant access to detailed bank information including phone and fax numbers.

Routing Number Verification Services


The iBankRegistry online tool accesses the iBankRegistry routing number database in real-time and empowers your operations staff to easily locate the information they need to process wire transfers, returns, pre-authorized drafts, and collections. Whether your operations staff needs to quickly find the location or the phone number for the ACH operations department at another financial institution or find the correct SWIFT number for wire transfer purposes, Lyons provides the right data in a user-friendly environment.


Verifying bank routing number information is essential for banks, credit unions, payroll departments, call centers, ACH processors, e-Commerce developers, and nearly everyone involved with payment processing. Our dedicated content management staff performs hundreds of updates per week to maintain the highest possible data accuracy. When you incorporate the iBankRegistry routing number database, you can benefit from a complete and accurate U.S. and Canadian financial institution data set.

web services

Lyons Commercial Data provides real-time access to the iBankRegistry database via XML-based Web Services hosted in a secure and fully redundant data center. These services provide developers a seamless link to vital transaction processing information. Applications accessing Lyons routing number Web Services utilize Simple Object Access Protocol (SOAP) to process information requests to and from Lyons servers via https:// for SSL encryption.