Payment Infrastructure
Automated Clearing House (ACH)
Batch and near-real-time clearing of credit and debit transfers, with multilateral netting and settlement to RTGS.
Overview
An ACH processes high volumes of lower-value payments — salaries, supplier payments, direct debits and government disbursements — and settles the net positions between participants.
IMARA builds ACH systems that handle file and message-based submissions, validate and route transactions, calculate multilateral net positions per clearing session, and hand settlement instructions to the RTGS.
Capabilities
What our ACH technology covers.
Credit & debit transfers
Processing of bulk credit transfers, direct debits, returns and rejections.
Clearing sessions
Configurable clearing windows and cycles, including near-real-time sessions.
Multilateral netting
Calculation of net positions per participant and generation of settlement instructions.
Validation & routing
Format, business-rule and participant validation with automated routing.
Mandate management
Registration and verification of direct debit mandates.
Reconciliation & reporting
Participant reports, reconciliation files and operational statistics.
Related solutions
Designed to work together.
Discuss your ACH requirements.
Whether you are modernising a national payment system, replacing a core banking platform or launching digital services, our team is ready to discuss your requirements.