Accredited ACH Professional           AAP Logo - 2025
(AAP) 

Become a leader and authority in the electronic payments industry!

Since its inception in 1993, Nacha's Accredited ACH Professional (AAP) Accreditation Program has recognized 4,200+ ACH professionals. As an AAP, you will join this elite group of professionals who are recognized for their ACH payments expertise.

AAP Exam Dates: October 5 - 31, 2026.

AAP Topic Areas (Exam Blueprint):

  • ACH Operations
  • Rules & Regulations
  • Risk Management
  • ACH File Formatting
  • Other Payment Systems

Click here to learn more and register for the AAP Exam at Nacha.org.

 

SFE's AAP Exam Prep Program

Starting May 13, the 2026 SFE Exam Prep Program will walk you through every key topic area covered on the exam, including ACH network fundamentals, ODFI/RDFI operations, risk, regulations, file formatting, and more, through 10 live, interactive webinars (all recorded for on-demand access). 

Your enrollment also includes: ✅ Two-part 3-hour AAP Exam Review session ✅ AAP Question of the Day emails ✅ An AAP Preparation Publications Package: 2026 ACH Rules Book - Online Resource Code,  AAP Flashcards, ACH Desk Reference Card, and ACHPro™ ✅ Direct email and phone support from an SFE AAP throughout the program!

Program will kick off on May 13, 2026.

2026 AAP Exam Prep Program - Learn More

 

Need a little encouragement? Check out So You Think You Want To Become an AAP? to learn more about what to expect and how to prepare.

 

AAP Continuing Education Credits

An AAP must earn 60 hours of Continuing Education, with no more than 20 hours earned in any one year, during the five-year accreditation period. AAPs also have an option to retest during the fourth or fifth year if the Continuing Education requirements are not met.

  • Filing Deadline: March 31st (for prior year)
  • Late Filing Deadline - April 30th (late fee applies)

 


Testimonials

"I took the AAP test on October 15 and PASSED!!!!!!! [I took all of the last week off just to decompress from studying for this test!]

I wanted to THANK YOU and the entire team at SFE that worked on the Summer Study program!  The questions that I got for the actual test were nothing like the practice questions (I swear I didn’t get asked even one IAT question), BUT how the questions were worded and how the questions ‘felt’ was just like the practice tests.

Again, THANK YOU! The Study Program was extremely helpful! I also appreciate all of the hard work that has and does go into making it."

Erica Hare, AAP, Electronic Funds Specialist

 

 

Professional Development