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Table of Contents

Lead Story

Legislative outlook:
Some clouds but no rain

Patti Murphy
The Takoma Group


Industry Update

New fees, more money for Visa, MasterCard

RBS, Heartland PCI compliance revoked: What's next?

A token of payments to come

Raising the ACH bar

Virtucard for virtual goods


Bill Pirtle

Breaches across America
installment two

Selling Prepaid

Prepaid in brief

Boom time for prepaid game card market

Global payroll done with SaaS

The state of escheatment


Be the toast of hosts

Scott Henry

Sluggish economy spurs faster payments

Nasreen Quibria
Association for Financial Professionals

Mobile payments? Not yet

Biff Matthews
CardWare International


Street SmartsSM:
Who are you?

Jon Perry and Vanessa Lang

Pull back the expense curtain

Jeff Fortney
Clearent LLC

Downshifting to rev up sales

Christian Murray
Global eTelecom Inc.

PCI versus tricky technology

Michael Wright
Panoptic Security Inc.

Five magical questions in making sales

Daniel Wadleigh
Marketing Consultant

Company Profile

UseMyBank Services Inc.

Data Delivery Services Inc.

New Products

Instant mobile processing

MerchantWare Mobile
Company: Merchant Warehouse

A most literate check reader

Company: Parascript LLC


See it, believe it



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

April 13, 2009  •  Issue 09:04:01

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Raising the ACH bar

To help payment professionals expand their knowledge base, NACHA - The Electronic Payments Association - offers the Accredited ACH Professional (AAP) program. NACHA has certified over 3,500 AAPs since it founded the program in 1993. Candidates are welcome from any sector of the industry but need at least two years of automated clearing house experience.

"The whole point is to make sure that people have a solid subject-matter base to start from," said Scott Lang, Senior Vice President of Association Services at NACHA. "The exam is a way for us to ascertain that the AAP has expertise in issues relating not only to the ACH network, but other payment system issues as well."

It's the journey that counts

Lang said the AAP program is ideal for operations, risk and product management experts. However he believes it would be valuable for ISOs and merchant level salespeople to take this exam.

"It will give them a comprehensive understanding of how the network operates and help them to be more effective in meeting the needs of their corporate customers," Lang said. "Because of the new complexities in the payments system, financial institutions, processors and governments need to make sure that the people they are employing have that subject expertise.

"And remember, it's not the exam that is critical, it's the preparation and commitment required to master the information and to stay on top of new developments and issues that arise around the payment network's evolution," he added.

A greater understanding

AAPs attended NACHA's annual conference in Orlando, Fla., from April 5 to 8, 2009. On the last evening of the conference the association hosted a seminar called Destination: AAP, with presenters from NACHA and its regional payment associations. It gave aspiring AAPs a chance to network with current AAP professionals and instructors.

"We are seeing financial organizations and governments hiring people who specifically deal with the payments industry, and more and more are requiring that certification because it is a clear indication that the AAP understands all the network issues as they apply to that organization and can help them better manage their infrastructure and maintain security and efficiency within it," Lang said.

The AAP exam will be administered from Oct. 12 to 30, 2009. For more information, e-mail

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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