{"id":524238,"date":"2026-03-02T09:00:00","date_gmt":"2026-03-02T14:00:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=524238"},"modified":"2026-02-27T11:47:42","modified_gmt":"2026-02-27T16:47:42","slug":"ach-and-the-path-toward-future-ready-payments","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/ach-and-the-path-toward-future-ready-payments\/","title":{"rendered":"ACH and the Path Toward Future-Ready Payments"},"content":{"rendered":"\n<p>ACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such as supplier payments, payroll, and many others. Despite competition from newer rails that serve similar purposes, ACH continues to grow at a remarkable pace.<\/p>\n\n\n\n<p>In a PaymentsJournal Podcast, <a href=\"https:\/\/www.linkedin.com\/in\/radha-suvarna-6868465\/\" target=\"_blank\" rel=\"noreferrer noopener\">Radha Suvarna<\/a>, Chief Product Officer of Payments at Finastra, and <a href=\"https:\/\/javelinstrategy.com\/our-team\/james-wester\" target=\"_blank\" rel=\"noreferrer noopener\">James Wester<\/a>, Co-Head of Payments at Javelin Strategy &amp; Research, examined why ACH payments have remained so resilient and valuable, and highlighted the benefits for financial institutions considering offering ACH payments to their customers.<\/p>\n\n\n<div itemscope itemtype=\"http:\/\/schema.org\/AudioObject\"><meta itemprop=\"name\" content=\"ACH and the Path Toward Future-Ready Payments\" \/><meta itemprop=\"uploadDate\" content=\"2026-03-02T09:00:00-05:00\" \/><meta itemprop=\"encodingFormat\" content=\"audio\/mpeg\" \/><meta itemprop=\"description\" content=\"\nACH is a critical part of the U.S. payment infrastructure, driving a significant portion of transaction volumes and supporting important use cases such as supplier payments, payroll, and many others. Despite competition from newer rails that serve s...\" \/><meta itemprop=\"contentUrl\" content=\"https:\/\/media.blubrry.com\/paymentsjournal\/content.blubrry.com\/paymentsjournal\/Finastra_001-004_Final_Draft.mp3\" \/><iframe data-src=\"https:\/\/player.blubrry.com\/?media_url=https%3A%2F%2Fmedia.blubrry.com%2Fpaymentsjournal%2Fcontent.blubrry.com%2Fpaymentsjournal%2FFinastra_001-004_Final_Draft.mp3&amp;modern=1&amp;podcast_link=https%3A%2F%2Fwww.paymentsjournal.com%2Fach-and-the-path-toward-future-ready-payments%2F#mode-Light&border-161682&progress-161682\" scrolling=\"no\" width=\"100%\" height=\"165\" frameborder=\"0\" id=\"blubrryplayer-1\" class=\"blubrryplayer lazyload\" title=\"Blubrry Podcast Player\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-load-mode=\"1\"><\/iframe><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-old-is-new-again\">Old Is New Again<\/h2>\n\n\n\n<p>When fintech is discussed in the context of modernizing financial services, there is often the assumption that \u201cold\u201d means outdated and \u201cnew\u201d means superior. Even though ACH is considered a legacy rail, it\u2019s still highly reliable. It was designed for a specific type of payment: high-volume, predictable transactions that need to be scheduled, such as payroll or bill payments.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"#form\"><img fetchpriority=\"high\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/Finastra-001-004-Banner.jpg\" alt=\"\" class=\"wp-image-524243\" style=\"width:563px;height:auto\" srcset=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/Finastra-001-004-Banner.jpg 728w, https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/03\/Finastra-001-004-Banner-300x37.jpg 300w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n<\/div>\n\n\n<p>\u201cOne reason ACH continues to grow is because we can do the planning for those predictable payments,\u201d said Wester. \u201cIf you can plan for all of that beforehand, it becomes a great rail for handling those types of payments.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A Modern ACH Payments Engine<\/h2>\n\n\n\n<p>Looking ahead, ACH must become forward compatible alongside other payment rails. Enabling forward compatibility allows the industry to leverage new technologies such as artificial intelligence and integrate them seamlessly with ACH driving improvements in areas such as fraud detection and automation.<\/p>\n\n\n\n<p>So what does a modern ACH payments engine look like from an operational perspective? First and foremost, it must be cloud-native and modular. It should leverage modern technologies such as microservices and API-based capabilities to connect seamlessly with both upstream and downstream systems. The platform should also be architected to scale volumes up or down as needed, recognizing that ACH doesn&#8217;t necessarily need to run continuously throughout the day and has peaks in volumes.<\/p>\n\n\n\n<p>\u201cIf we can scale the infrastructure up and down as necessary to drive more efficient total cost of ownership, that would be a significant value add,\u201d said Suvarna. \u201cIt would be particularly effective in high volume throughput windows.\u201d<\/p>\n\n\n\n<p>Another important component of forward compatibility is the ability to test new use cases and enable fast experimentation. Smart routing between batch payments and real-time payments, for example, could be offered as a value-added service. To determine whether such capabilities create meaningful impact, organizations need platforms that allow quick testing, with the ability to fail fast or scale successful outcomes.<\/p>\n\n\n\n<p>Financial institutions can rely on a modern ACH solution to integrate with cloud-native and API-driven systems, enabling faster and more efficient launches for new offerings.<\/p>\n\n\n\n<p>It\u2019s also important to note that while the ACH clearing itself has not yet transitioned to ISO 20022, many corporates are already using this for their submissions. A modern ACH platform needs to be able to both handle this, and the eventual migration of the clearing system, seamlessly while accommodating the complex workflows already built around ACH today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seeking ROI: Cost<\/h2>\n\n\n\n<p>The ROI from ACH can be viewed through two primary lenses: cost and revenue. On the cost side, the first consideration is infrastructure. Platforms built on open-source technologies and modern software stacks are typically less expensive than legacy systems.<\/p>\n\n\n\n<p>The second cost driver is software maintenance and enhancement. As new use cases come up across corporate and retail segments, and as specifications continue to evolve, keeping pace with business-driven and standards-driven changes can be very expensive for legacy platforms.<\/p>\n\n\n\n<p>\u201cThere are fewer software developers available to code in some of the older technologies like COBOL,\u201d said Suvarna. \u201cWhich means there aren&#8217;t that many developers around to make the necessary changes for the foreseeable future. The specialized infrastructure roles where you have a person who really knows the system, those obviously become more expensive.\u201d<\/p>\n\n\n\n<p>The third cost area is operations. Today, exception handling and returns for ACH are often managed separately from other clearing systems. Consolidating these processes into a unified stack\u2014and leveraging technologies like AI\u2014can streamline operations.<\/p>\n\n\n\n<p>\u201cI&#8217;m not saying today you can&#8217;t deploy AI technologies and machine learning to identify payment repairs, based on the data coming from the legacy ACH capabilities,\u201d said Suvarna. \u201cBut the more open modern stack makes it easier and faster.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seeking ROI: Revenue<\/h2>\n\n\n\n<p>On the revenue side, the primary opportunity for banks lies in differentiation through an enhanced user experience. Examples include offerings such as smart routing between ACH and real-time payments. A second opportunity comes from innovative use cases, where banks create differentiated value propositions around ACH that set them apart from competing institutions.<\/p>\n\n\n\n<p>\u201cWhen people start talking about ROI, I often hear them talk about revenue first,\u201d said Wester. \u201cBut you have to be careful when you talk about system upgrades from a revenue standpoint. To sell it to your leadership, start with the inevitable things that need to be sunsetted and where you can find cost avoidance.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Finding a Partner<\/h2>\n\n\n\n<p>Financial institutions embarking on this modernization journey need partners with experience across multiple implementation domains. A broad perspective helps identify dependencies, eliminate blind spots, and apply best practices. An experienced vendor understands the optimal path forward, knows where common pitfalls exist, and can guide institutions toward scalable, future-ready solutions.<\/p>\n\n\n\n<p>\u201cI like to use the phrase \u201cfish don&#8217;t know water is wet,\u201d\u2019 said Wester. \u201cOftentimes, financial institutions have been running their systems a certain way for so long that they no longer look inefficient, just because they still work. A good partner can come in and say, here are the best practices, here are things where you might be blind to your own issues.\u201d<\/p>\n\n\n\n<p>Finastra, for instance, serves both large enterprise and mid-market client segments. They have built out Global PAYplus for large enterprises and Payments to Go for mid-market clients\u2014both delivered on cloud-native platforms supporting modern <a href=\"https:\/\/www.finastra.com\/ach-modernizing-so-should-you?utm_campaign=Oktopost-Global-FY26-01-PY-CrossProduct-PP-ACH3&amp;utm_medium=social&amp;utm_source=LinkedIn\" target=\"_blank\" rel=\"noreferrer noopener\">ACH<\/a>\u00a0 clearing. This single, modern payment hub architecture supports multiple clearing types with a common user experience across all rails, and enables forward compatibility, positioning the platform to support future use cases as they emerge.<\/p>\n\n\n\n<p>\u201cAt the end of the day, ACH isn&#8217;t about just technology modernization,\u201d said Suvarna. \u201cIt&#8217;s a transformation of business processes around very critical infrastructure that serves many corporate and retail customer needs.\u201d<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\" id=\"form\"\/>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f524241-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"524241\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/wp-json\/wp\/v2\/posts\/524238#wpcf7-f524241-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"524241\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f524241-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<table style=\"width:100%;table-layout:fixed\">\n\t<tr>\n\t\t<td style=\"border: 1px solid #cccccc;\">\n\t\t\t<table>\n\t\t\t\t<tr >\n\t\t\t\t\t<td style=\"vertical-align: top !important;\" width=\"50%\">\n\t\t\t\t\t\t<div style=\"padding-left:2%\">\n\t\t\t\t\t\t\t<P style=\"font-size: 18px;color:#4e64eb;margin-bottom: 10px;\"><b>FACTSHEET<\/b>\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<P style=\"font-size: 42px;color:black;margin-top: 0;margin-bottom: 10px;white-space: initial;\"><b>Finastra\u2019s ACH Payment Solutions \u2013<br \/>\nFeature Value Matrix<\/b>\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t<P style=\"font-size: 18px;color:black;margin-top: 10px;margin-bottom: 0px\">Access now!\n\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t<td class=\"hide-image\" width=\"50%\">\n\t\t\t\t\t\t<p><img decoding=\"async\" data-src=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2026\/02\/Finastra-001-004-cover_v2.jpg\" border: 5px solid #555; 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Despite competition from newer rails that serve similar purposes, ACH continues to grow at a remarkable pace. In a PaymentsJournal Podcast, Radha Suvarna, Chief Product [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":502168,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[1820,64514,1138,818],"tags":[263,211,185,1064,141,62356,62061,60971],"class_list":["post-524238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ach","category-commercial-payments","category-featured-content","category-the-paymentsjournal-podcast","tag-ach","tag-api","tag-finastra","tag-operations-management","tag-partnerships","tag-payment-infrastructure","tag-roi","tag-smart-routing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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