Intellect Design Arena has announced that its eMACH.ai Payments platform has received the highest rating from Nacha Consulting across all four major US payment rails: TCH RTP, FedNow (™), Fedwire, and ACH. This accolade provides US financial institutions modernising their payment infrastructure with a solid basis for confidence.
The rating was awarded by Nacha Consulting, the official consulting arm of Nacha, which enforces the operating rules governing the US ACH Network. Intellect commissioned this comprehensive compliance review to demonstrate that eMACH.ai Payments aligns fully with applicable payment rules across every major US rail.
The assessment by Nacha Consulting encompassed 72 live payment scenarios across 16 evaluated categories, with zero compliance findings on any rail. It covered critical dimensions such as architecture, risk management, information security, business continuity, and rail compliance. The review confirmed full scheme compliance for all ISO 20022 message types used in FedNow(™), TCH RTP, and Fedwire, including Request to Pay flows, Fedwire drawdowns, credit transfers, investigations, and enquiries. It also validated compliance across US ACH processing, including Same Day ACH, Notice of Change, Micro-Entries, and the handling of various SEC codes within Nacha 94 file formats.
Nacha Consulting highlighted the platform’s ability to support instant payments, bulk batch payments, and high-value RTGS payments on a single platform as a key differentiator. The assessment also recognised the modular architecture that spans end-to-end payment origination, pre-processing, orchestration, clearing, and settlement, alongside risk management capabilities such as transaction limits management.
The review follows Intellect’s launch of eMACH.ai Payments in the US market in January 2026. That same month, Intellect was named a Leader in the inaugural Gartner Magic Quadrant for Banking Payment Hub Platforms, with noted strengths in its Purple Fabric AI, Rail Composer, and enterprise payments depth.
US financial institutions considering eMACH.ai Payments can rely on its global deployment scale, serving clients from global and regional banks to community financial institutions across 40 countries, supporting 75+ clearing schemes.
Samantha Carrier, Associate Managing Director at Nacha Consulting, stated, “The Intellect team was committed to payment system rules compliance and industry best practices to ensure the highest standards were met prior to their US launch.” Manish Maakan, Executive President & Group Chief Revenue Officer of Intellect Design Arena, added, “US banks no longer need to take our word for it.”
Intellect will be showcasing eMACH.ai Payments at NACHA Smarter Faster Payments, April 26-29 in San Diego at Booth #828.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).