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PCI Security Standards Council

The PCI Security Standards Council is an open global forum for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection.
The PCI Security Standards Council’s mission is to enhance payment account data security by driving education and awareness of the PCI Security Standards. The organization was founded by American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa, Inc.

NACHA The Electronic Payments Association

Established in 1974, NACHA The Electronic Payments Association was formed by the California ACH Association, the Georgia Association, the New England ACH Association, and the Upper Midwest ACH Association, to establish uniform operating rules for the exchange of Automated Clearing House (ACH) payments among ACH associations.
The ACH Network had its start in the early 1970’s when a group of California bankers formed the Special Committee on Paperless Entries (SCOPE) in direct response to the rapid escalation of check volume in the United States. The Committee set out to explore the technical, operational, and legal framework necessary for an automated payments system, leading to the formation of the first ACH association in 1972. Similar groups soon formed around the country.
By 1978, it was possible for two financial institutions located anywhere in the United States to exchange ACH payments under a common set of rules and procedures. By 1988, the number of ACH payments exceeded 1 billion annually. By 2001, the volume of ACH payments grew by more than 1 billion in a single year.
More than 18.2 billion ACH payments were made in 2008, an increase of 1.2 billion over 2007. ACH payment volume continues to double every five years. The 2007 Federal Reserve Payments Study revealed ACH payments had the largest compound annual growth rate, 18.6 percent, of all U.S. non-cash payments.
The ACH Network remains one of the largest, most efficient, and safest payment systems in the world.

American Collectors Association, International (ACA)

ACA International, the Association of Credit and Collection Professionals, is the comprehensive, knowledge-based resource for success in the credit and collection industry. Founded in 1939, ACA brings together more than 5,500 members worldwide, including third-party collection agencies, asset buyers, attorneys, creditors and vendor affiliates. The association establishes ethical standards; produces a wide variety of products, services and publications; and articulates the value of the credit and collection industry to businesses, policymakers and consumers.

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PIN-Less Debit Next Up On The Internet News

ISO & Agent | Friday, February 6, 2009
Pin-less Web Next Up On The Internet
By: Michael Giusti

Merchant… More >