{
  "slug": "the-clearing-house-epn",
  "name": "the-clearing-house-epn",
  "description": "The Electronic Payments Network (EPN®) is a private-sector Automated Clearing House (ACH) service operated by The Clearing House, designed for large originating and receiving financial institutions. It clears and settles high-volume, recurring, batch, and non-urgent ACH transactions, handling essentially half of U.S. commercial ACH volume. EPN emphasizes reliable performance, operational flexibility, and participant-focused support.",
  "url": "https://optimly.ai/brand/the-clearing-house-epn",
  "websiteUrl": "https://theclearinghouse.org/",
  "logoUrl": "https://logo.clearbit.com/theclearinghouse.org",
  "baiScore": null,
  "bai_tier_status": "active",
  "bai_score_status": "active",
  "archetype": null,
  "archetype_status": "active",
  "category": "Interbank Clearing & Settlement Networks",
  "categorySlug": null,
  "keyFacts": [],
  "aiReadiness": [],
  "competitors": [],
  "competitorsProse": null,
  "inboundCompetitors": [],
  "aiAlternatives": [],
  "parentBrand": null,
  "subBrands": [],
  "updatedAt": "2026-08-30T00:06:06.140Z",
  "verifiedVitals": {
    "website": "https://theclearinghouse.org",
    "category": "ACH Operator",
    "what_it_does": "Operates the Electronic Payments Network (EPN), a private-sector Automated Clearing House (ACH) service that clears and settles ACH transactions and supports high-volume, recurring, batch, and non-urgent payments. It provides Same Day ACH, flexible file transmission, Universal Payment Identification Code (UPIC), ACH Risk Monitoring Reports, and a DDA Token Service. The EPN network handles approximately half of U.S. commercial ACH volume.",
    "primary_audience": "Large originating and receiving financial institutions (ODFIs and RDFIs), including U.S. Depository Financial Institutions (DFIs) such as banks and credit unions.",
    "core_product": "Electronic Payments Network (EPN®) ACH service",
    "parent_ownership": "The Clearing House Payments Company L.L.C.",
    "named_competitors": [
      "Federal Reserve Bank (FedACH)"
    ]
  },
  "intentTags": null,
  "businessProfileClaims": [],
  "timestamp": 1788091704231
}