Ensure full Nacha 2026 compliance with automated fraud monitoring and ACH account validation, powered by Trustpair, a Nacha Preferred Partner for account validation.
400+ customers targeted by 0 successful fraud events
The largest coverage of international bank accounts on the market
No more manual callbacks, vendor controls are automated
Nacha compliance requires every organization using the ACH Network to implement risk-based fraud monitoring, account validation, and transaction oversight to protect against unauthorized payments. In 2026, businesses must ensure:
Compliance is no longer optional. Under the 2026 Nacha operating rules, all ACH originators, RDFIs, processors, and third-party service providers must adopt scalable fraud prevention practices or face penalties and heightened risks.
Trustpair helps enterprises meet and exceed Nacha’s fraud prevention standards through automated vendor account validation and continuous risk monitoring. Here’s how it works:
By automating ACH account verification, Trustpair boosts efficiency while meeting Nacha’s requirements for risk-based fraud monitoring and account validation.
Trustpair is officially recognized as a Nacha Preferred Partner for account validation, fraud monitoring, and risk prevention. This distinction highlights Trustpair’s role in supporting the integrity and security of the ACH Network.
As Nacha President and CEO Jane Larimer stated:
“Reducing fraud and keeping the ACH Network safe for all participants is top of mind for Nacha. We are pleased to welcome Trustpair as a new Preferred Partner.”
This partnership confirms Trustpair’s leadership in automating fraud prevention, securing ACH transactions, and helping organizations confidently stay compliant with Nacha 2026.
Browse through our different sections and find the answer to your question.
Trustpair goes beyond basic routing-number checks to deliver real-time, risk-based account validation that meets Nacha compliance standards.
Unlike other ACH validation tools that only verify routing numbers or ACH file formats, Trustpair confirms bank account ownership, detects anomalies, and continuously monitors vendor data across the entire ACH Network.
The platform gives businesses the level of accuracy required by the updated Nacha Operating Rules, reducing fraud and ensuring every ACH transaction is authorized, compliant, and secure.
Absolutely. Trustpair performs real-time ACH account verification using multiple banking data sources, enabling organizations to verify bank account ownership before funds move across the ACH Network.
This helps businesses comply with Nacha rules, ensures payments occur smoothly, and reduces exposure to unauthorized transactions or non-compliance penalties.
Yes, Trustpair continuously monitors for changes in vendor banking information, detecting suspicious updates before they affect ACH transactions. Under the new Nacha Operating Rules, organizations and depository financial institutions must take “reasonable steps” to monitor risk.
Trustpair automates those steps, using ongoing validation, anomaly detection, and alerts to strengthen data security and prevent fraud.
Yes. Trustpair integrates seamlessly with leading ERP and TMS systems (SAP, JAGGAER, Coupa, Zycus, Oracle, etc) -, automating compliance with Nacha guidelines and reducing manual workload.
This ensures that every ACH payment, direct deposit, vendor onboarding request, or bank-account update follows the correct operating rules, is verified automatically, and remains fully compliant across your financial processes.
Trustpair prevents vendor fraud across all electronic transactions ( ACH payments, wire transfers, instant payments, etc) by automatically verifying bank account ownership throughout the P2P. The platform validates vendor identities, routing numbers, and account details in real time – helping businesses wipe out fraud and stay aligned with Nacha Operating Rules, and other financial regulations (AML, VoP, etc.).
Core fraud-prevention features include:
Together, these capabilities give organizations a strong security foundation, help them comply with new rules and lower exposure to fraud and non compliance.
On top of that, the solution is Soc 2 Type 2 and Soc 1 Type 1 certified, guaranteeing the protection and privacy of sensitive information.
The ACH Network handled over $86 trillion in 2024, making it a key target for fraudsters.
The new Nacha 2026 rules aim to:
Non compliance can lead to:
Compliance isn’t just regulatory, it’s essential for protecting your business against payment fraud.
Explore how our solutions have empowered businesses like yours to fortify against fraud and build a resilient financial ecosystem.
"Trustpair gives us more reliability and peace of mind. The financial director is more serene when it comes to approving the transfer order."
"With Trustpair’s verification methodology, it's no longer just a consistency check but an exact confirmation of the validity of the third party: there is no longer any risk."
"With Trustpair, we are able to automatically and quickly monitor our third parties and ensure the security of that very data over the long term."
“I would definitely recommend Trustpair to finance departments. It makes adding and modifying beneficiaries more reliable, without resorting to manual processes that are cumbersome, time-consuming and fallible.”
“The control process is simplified with the Trustpair solution, the Finance Department is reassured and, above all, it no longer needs to waste time performing manual checks to verify a supplier's bank details.”
"Trustpair adapts very well to the specifics of our market and our way of working. Several features are developed as we work together. That's a real plus."
"Trustpair has become more than a reflex; it has become an obligation. The team no longer validates an IBAN unless Trustpair has confirmed it to us."
Thanks to Trustpair, we’ve made a significant shift in our security processes and filled the gaps we needed to fill. Trustpair has proved to be a committed and trustful partner and we’ve appreciated the support and transparency.
We’ve gone from manual and time-consuming fraud controls to automated bank account validation done directly in SAP. The workload has been drastically reduced and payment security is now guaranteed.
