Alliance Members

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Financial institutions and corporate members across the Midwest choose UMACHA as a key resource to enhance their understanding of electronic payments. We're known for our extensive knowledge base, our high quality services, as well as our national presence in the payments industry.

We serve over 740 member banks, credit unions, affiliates, and partner organizations located in Minnesota, Michigan, Montana, North Dakota, South Dakota, and Wisconsin.

Our Vision
We are an extraordinary and distinctive provider of knowledge and services for payment system stakeholders.

Our Mission
We are a best in class provider of payments services, demonstrating our knowledge, professionalism and passion through our quality and dedication to members and stakeholders.

Macha/PAR shares a common strategy with its membership in the pursuit of maximized business efficiencies, improved and evolving payment processes, reduced risk and cost, and increased participant satisfaction. Macha is a certified ECCHO Check Educational Partner, a sponsor of the Center for Payments, and as a Direct Member Payment Association of Nacha, is a specially recognized and licensed provider of ACH education, publications, and support.

Macha/PAR is recognized among its members as their primary resource for questions, training, and expertise for all their payment needs. Macha/PAR assists its members not only with ACH payments, but check, card, wire, and faster payments. Knowledge of all payment systems is critical in today’s environment as payments continue to converge and evolve.

Our training is not just for financial institutions' operations and compliance staff. We offer training focused toward the financial institution’s corporate customers as well.

Macha/PAR currently has six Accredited ACH Professionals (AAPs), four National Check Professionals (NCPs), and one Accredited Payments Risk Professional (APRP) on staff. The staff is shared between the two organizations and has over 75 years of combined experience. In order to provide the best support to our members, our staff is also encouraged to partake in continued education.



The FRPA alert system distinguishes us from other groups by gathering and providing information to law enforcement, retailers AND financial institutions.

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Your electronic library to help in fighting financial fraud for all of our partners.

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