An ePayResource's ACH Certification candidate has one year to complete the required courses and pass the exam. The program expiration is calculated one year from the date of purchase. Once coursework is complete, the exam may be taken at any time during the year. Two opportunities exist to take and pass the exam within the one-year registration period.

On average, it takes two and a half hours to complete one On Demand Course. Some courses may take longer. Some courses can be completed in less time. The time you take to complete an On Demand Course depends on your learning style, the length of audio/video components within the course, how many times the player is paused, and other factors.

The ACH Certification test is internet-based. There is no need to travel.

The test covers six areas of expertise included in the required ePayResource's ACH Certification courses. The exam blueprint categories are listed below.

1. General Payments Overview/Comparative Payment Systems
2. Marketing & Products
3. Risk Management
4. Rules & Regulations
5. Operational Process/Flow
6. Technical Standards/Formats

Sometime before your exam, download the virtual proctor software from ProctorFree. The software must be installed on your device for the test duration; you may uninstall the software when you are done. We recommend installing it at least a week before you plan to take the test to avoid any last-minute technical issues.

Before beginning the testing process, you must acknowledge acceptance and use of the software because it provides a minimal amount of personal information to ePayResources, including first and last name and email address. Audio, video, and screen captures are sent as separate encrypted data streams only during the active proctored session. ProctorFree stores the final package of data for one year. ProctorFree protects any confidential information it receives according to commercially acceptable standards and implements, maintains, and uses appropriate administrative, technical, and physical security measures to preserve the confidentiality, integrity, and availability of all electronically managed confidential information.

Once you complete the exam, video, and screen captures from the ProctorFree software will be sent and reviewed by ePayResources. Please allow up to six weeks for a pass or no pass status to be determined. If you pass, you will be provided a verification code to finalize earning your certificate.

Upon receipt of ePayResource's ACH Certification, all certified members must complete continuing education obligations annually to maintain ePayResource's ACH Certification. The continuing education requirement begins the calendar year after the ePayResource's ACH Certification certificate is printed. You are able to begin the recertification process through our online learning management system, ePayU, nine months before expiration.

Access to recertification can begin by following the steps below

1. Log in to ePayU
2. Navigate to your Dashboard
3. Select the grey Certifications button
4. Select Recertify under Actions next to your earned certificate

NOTE: Continuing education credits do not carry over to subsequent years for later use nor can continuing education credits be pre-completed in a prior year.

ePayResource's ACH Certified members must file all continuing education credits no later than the expiration date provided on your certificate. You do not have to wait until expiration to begin the recertification process; you may complete it as early as nine months prior to expiration. A late filing fee is assessed if the certificate expires.