About Us

EPN (Electronic Payments Network) - The Leading ACH Operator.

EPN processes 42% of all commercial ACH volume in the US through our network with a level of:

… that is unmatched in the industry. Visit www.epaynetwork.com for more information.

What is ACH?

ACH stands for “Automated Clearing House”. It is a low-cost, flexible and highly reliable payment network that uses national standards and is the only payment system that handles a wide variety of credit transfers, like payroll, dividends and more. ACH also handles debit transfers like loan and bill payments and insurance premiums.

Industry Leading Innovations
Since 1975, EPN has played an innovative, leadership role in the development of the ACH Network in the US over the past thirty years. Click here for an impressive list of “firsts” from the nation’s only private sector ACH Operator.

Below are just a few examples of EPN’s dedication to innovation and leadership. You can also read The Clearing House’s 2006 Research on Business-to-Business Wire Transfer Payments and EPN’s research on “The Remaining Barriers to ePayments and Straight-through Processing”


EPN STP 820 Standard The EPN STP 820 standard specifies up to 10 data elements that most companies need to reconcile and post payments. When this information is included with the electronic payment, transactions can flow straight through from the originating company’s A/P or cash management system to the receiving company’s A/R system without human intervention. To view the 10 standard data elements, click here. Click here to view STP Standards Specifications Document.		Click here to download the EPN STP 820 brochure.
Approved, Promoted & Adopted! EPN STP 820 is approved by the American National Standards Institute's (ANSI) Accredited Standards Committee (ASC) X12F, promoted by NACHA and adopted by leading cash management software packages. It is also supported by numerous organizations, such as:

	The Clearing House owner banks NACHA, the electronic payments association The Association for Financial Professionals, the trade group for treasury management executives The Federal Reserve banks The Independent Community Bankers of America BITS, the technology arm of the Financial Services Roundtable

Universal Payment Identification Code (UPIC®)

UPICs are being adopted readily by progressive companies who want their trading partners to pay them electronically. Government Agencies, Utilities, and companies of all sizes are finding the UPIC to be an essential component to their business.

For more information, contact Sharon Jablon at 201-319-5516.