The Payments Space™

ACH origination brings both opportunity and responsibility to financial institutions, and compliance is not always straightforward. Aparna Kulkarni and Kristina Lawless from ePayAdvisors discuss an often overlooked compliance gap around business external transfers and ACH origination agreements. Find out how ACH origination may exist in places you don't expect!

In our ongoing quarterly series in our Originator Education Community, Stephanie Hottle, Director, Payments Education, joins us to compare and contrast prenotes and micro-entries - not just what they do, but also what they don't do. Where is account validation headed in the future? Listen in to find out!

Michael Jeffcoat, Director, Payments Education, our resident Payments Answerline™ rock star, breaks down how the CCD and CTX Standard Entry Class Codes are the cheap and reliable workhorses for business payments in the ACH Network. Listen in to learn about use cases, authorization requirements, and resources for getting started or learning more.

Krystle Bucci, Manager, Payments Education, is back with a thorough overview of what ACH participants need to know to implement and be compliant with Nacha's fraud monitoring rules going into effect in 2026, with a focus on ACH Originators and the resources available to them in our Originator Education Community. Always adding value, Krystle also covers other 2026 rules updates and what to be on t...

The PaymentsJedi, Peter Davey, tells us why ePayConnect 2026 is the conference you are looking for. He and host Anne-Marie Leake discuss the top 3 issues facing financial institutions and how the conference will address them; why we expect our new location at National Harbor to be an incredible experience; and how conference MC Greg Schwem will keep us laughing as we learn. Don't miss this episode...

Host Anne-Marie Leake is joined by Krystle Bucci, AAP, APRP, Manager, Payments Education with ePayResources to learn the quirks of Debit WEB Entries and how Originators can stay on top of them, including compliance resources like the new Originator Education Community.

David Tente, Executive Director, USA & Americas for ATMIA, joins the podcast to talk about the association's work; the power of Super ATMs; the threat of jackpotting; why cash is still an important part of the payments system; and why you should not miss our joint webinar on October 28, 2025.

Quantum computing is not a futuristic concept but a reality that will impact financial institutions and the security of their transactions. In this episode kicking off the third year of the podcast, host Anne-Marie Leake welcomes Nanci McKenzie, Payments Expert in the Research Division of the Federal Reserve Bank of Atlanta, to talk about their work as members of the Quantum Payments Project Team...

As FedNow® and RTP® continue to grow, ePayAdvisors’ Crissy Terry and Amber Schweiger visit The Payments Space to share insights into the value of audits and risk assessments for instant payments, common findings in these engagements, and the impact of the discontinuation of the Zelle standalone app.

Way back in the last millennium, the ACH Network was focused almost entirely on PPD entries as Direct Deposit of Payroll took off. In this episode, ePayResources’ Angelica Larrañaga, Director, Payments Education, starts off a series of discussions around ACH Originator compliance by Standard Entry Class Code with a look at PPD uses cases; authorization requirements; benefits to the Originator...

Host Anne-Marie Leake welcomes back Crissy Terry and Amber Schweiger of ePayAdvisors to talk about why financial institutions should conduct a Reg E disputes audit, including its importance to risk mitigation, consumer protection, and operational efficiency. And no discussion of Reg E would be complete without a reminder of how it differs from – and works in tandem with – the Nacha Rules!

Stephanie Hottle, AAP, APRP, Director, Payments Education, joins host Anne-Marie Leake for part two of their discussion of recent and upcoming changes to the Nacha Operating Rules, focusing on the fraud monitoring rules going into effect in 2026; why performing a baseline risk assessment now is an important part of preparing for these changes; and how originators can stay informed on compliance ob...

Stephanie Hottle, AAP, APRP, Director, Payments Education, joins host Anne-Marie Leake to unpack changes to the Nacha Operating Rules in 2024 and 2025 that support the fight against fraud, laying the groundwork for a Part II discussion of the fraud monitoring rules going into effect in 2026. This episode's compliance insight is vital to all ACH participants and stakeholders.

Host Anne-Marie Leake is joined once again by ePayAdvisors' Crissy Terry and Amber Schweiger to talk about the new services that ePayAdvisors offers; the timeline and process for a typical audit or risk assessment engagement; and the importance of ODFIs educating their Third-Party Sender originators on their audit requirement.

Host Anne-Marie Leake is joined by ePayAdvisors' Crissy Terry and Amber Schweiger to talk about why DIY may not be the right approach when your institution’s compliance and risk management are at stake. Listen in to find out the importance of a testing vs. inquiry only approach and why It can pay off for your institution in the long run to outsource these very important tasks to outside experts.

The clock is rapidly ticking down on migration to the ISO 20022 message format for the Fedwire Funds Service, effective March 10, 2025. No matter where your institution is in the preparation process, this episode is required listening as Tracy Marshall, SVP, Technology and Support, ePayResources, and Fred Gibbons, Vice President and Deposit Operations Payment System Officer, Jefferson Ba...

In the last of the episodes recorded at Nacha's Payments 2024, guest host Peter Davey, The Payments Jedi, sits down with Dean Jenkins, Principal Digital Strategist for Q2, one of ePayResources' Vendor Partners. Listen in as they discuss the holistic approach to improving the workflow of payments; driving SMB adoption from the outside in; and how technology levels the playing field.

In our next-to-last episode recorded at Payments 2024, The Payments Jedi, Peter Davey, talks with Erika Baumann, Research Director, Commercial Banking and Payments, Datos Insights, about what happens – and what financial institutions should do – when 42% of companies report they will be leaving their FIs for access to faster payments, and 61% of FIs believe they have already lost clients to fintec...

Recorded in the ePayResources booth at Payments 2024, guest host Peter Davey, The Payments Jedi, poses some important questions to Joe Proto, payments industry influencer, innovator, and leader, and recipient of ePayResources' first-ever Lifetime Achievement Award in 2022. Listen in as Joe shares invaluable insight from his decades as a payments senior executive and fintech entrepreneur, including...

Payments 2024 showcased Nacha's inaugural "15 Under 40" award honoring rising stars in the payments industry. Guest host Peter Davey, The Payments Jedi, was fortunate to get a few minutes with award finalist and conference speaker Bridget Hall, Leader of Real-Time Payments for the Americas at ACI Worldwide, to chat about getting financial institutions comfortable with instant payments and finding...

Host Anne-Marie Leake is joined by ePayAdvisors’ Crissy Terry, Vice President, Payments Consulting, to continue the discussion of overcoming barriers to instant payments. The Early Adopter ship has sailed, but you can still be a Fast Follower! Crissy provides important insight into how to hear what your customers or members need even if they aren’t asking for instant payments by name; how to addre...

The ePayResources booth at Payments 2024 was BUZZING as guest host Peter Davey, The Payments Jedi, sat down with Payments Elsa, aka Angela Murphy, VP of Marketing and Solutions at Pidgin and fintech thought leader. Their conversation covers the importance of telling the story of cost optimization and revenue creation in your instant payments strategy; why you should be looking at migrating wire vo...

In her decades with the Federal Reserve Bank, Nell Campbell-Drake, Vice President in Industry Relations of the Federal Reserve Financial Services enterprise, has been an invaluable partner of the Payments Associations and other industry stakeholders. Our guest host Peter Davey, The Payments Jedi, got to visit with Nell at Payments 2024 to discuss the expansion of the U.S. payments ecosys...

Guest host Peter Davey, the Payments Jedi, continues his series recorded at Payments 2024 with Reed Luhtanen, Executive Director of the U.S. Faster Payments Council. They discuss the Council's high-level initiatives in the quest for safe, easy-to-use, ubiquitous faster payments and their contributions to the recently published book Smart Instant Payments .

In this fascinating episode recorded at Payments 2024, guest host Peter Davey, the Payments Jedi, sits with Caroline Cypriano, Co-Founder & COO of Miami-based JJ4Tech, a fintech member of the U.S. Faster Payments Council and Nacha's Payments Innovation Alliance. Caroline gives us the inside scoop on the success of Pix, the Brazilian instant payments system that has experienced remarkable...