Our History
The Clearing House is a banking association and payments company that is owned by the largest commercial banks and dates back to 1853.
The Clearing House Payments Company L.L.C. owns and operates core payments system infrastructure in the United States and is currently working to modernize that infrastructure by launching a new, ubiquitous, real-time payment system. The Payments Company is the only private-sector ACH and wire operator in the United States, clearing and settling nearly $2 trillion in U.S. dollar payments each day, representing half of all commercial ACH and wire volume.
It is focused on safety, security, reliability, and efficiency of bank-owned payment systems and has a long history of operational resilience, having maintained operations without interruption through every financial crisis and natural and man-made disaster since 1853.
The Clearing House provides a place to foster industry collaboration and development where industry coordination is necessary. Beginning with the first U.S. check exchanges, The company has brought together banks to collaborate on key issues, including needs for the next generation of payment systems. Most recently, The Clearing House launched RTP®, a real-time payment system for all U.S. banks.
Supporting services include those offered by The Clearing House Payments Authority, a payments association with more than 1,000 financial institution members and corporate subscribers and those offered by ECCHO, which include: check education, check advocacy, and the creation and maintenance of rules that govern private sector check image exchange for its members.
Contacter : The Clearing House
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