AAP Testing Center - Professional Development

AAP LogoBecome a leader and authority in the electronic payments industry!

Since its inception in 1993, the AAP Program has recognized 4,500+ ACH professionals. As an AAP, you will join this elite group of professionals who are recognized for their ACH payments expertise.

The AAP exam testing window is Monday, October 3rd – Saturday, October 29th. The registration period is Monday,  December 20th  - Friday, September 9th. For those who are taking the exam this year, or preparing for the future, we have a study program for you.

AAP Exam Dates:  October 3, 2022 - October 29, 2022

AAP Topic Areas and Weights (Exam Blueprint):

  • Rules & Regulations - 25%
  • Risk Management - 15%
  • Technical Standards - 11%
  • Operational Process & Flow - 28%
  • General Payments Overview - 13%
  • Marketing & Products - 8%

Plan Your Study Course

SFE offers virtual workshops, in-person workshops, or customized training to suit you.

Click Here to Register for the 2022 AAP Summer Program!

Cost - $500 Members / $1,000 Non-Members

Our 2022 AAP Summer Program provides study resources for the exam, including an interactive reading program with biweekly webinars. And, of course, an Accredited ACH Professional from the SFE team is available for email and telephone support. All webinars are recorded and available anytime after the dates below.

This program is excellent for those aspiring to be an AAP, but you do not have to be registered for the current AAP exam to enroll in the AAP Summer Program.

Webinars will be held from 1 PM - 2 PM CT on the following dates:
May 19 Kickoff & Orientation
May 26  Rules and Guidelines:  General Information- OG Chapters 1-3, SEC Codes ACK, ATX, ARC, BOC, & CIE; Appendix A; Article One
June 9  Rules and Guidelines:  SEC Codes: DNE, ENR, IAT, POP, PPD, RCK, TEL, WEB & RCK; OG Chapters 41-49
June 23 Rules and Guidelines:  ODFIs, Originators, & TPSPs;  Article Two, OG Chapters 5-21, Chapter 50
July 7  Rules and Guidelines:  RDFIs & Operators; OG Chapters 22-35, 51-55; Articles 3-6
July 21 Rules and Guidelines:  ACH File Specifications; Appendix 1-3; OG Appendix  J, K
August 4  Rules and Guidelines:  Return Entries, NOCs, & Acknowledgements Appendix 4-6, Article 7
August 18 Rules and Guidelines:  The Green Book
September 1  Rules and Guidelines:  Compensation, Arbitration, Rules Enforcement: Appendix 7-9, OG Chapter 56
September 15  Nacha's AAP Handbook


Register for our free on-demand course So You Think You Want to Be An AAP? to learn more about what to expect and how to prepare.

AAP Publication Package (Valued at $685 if purchased individually by SFE Members)

AAP Flashcards
ACH Compliance Manual
AAP Core Concepts: A Study Guide
ACHPro (Online)
ACH Quick Reference Cards for Financial Institutions
ACH Rules Book Online
ACH Product Sales and Marketing Handbook
Revised Uniform Commercial Code Article 4A and the ACH System

AAP Publication Package $500 when purchased as a package - a savings of $185

AAP Handbook (provided by Nacha after Exam registration)

All publications may be purchased on our website at sfe.org

AAP Continuing Education Credits

An AAP must earn 60 hours of Continuing Education, with no more than 20 hours earned in any one year, during the five year accreditation period. AAPs also have an option to retest during the fourth or fifth year if the Continuing Education requirements are not met.

  • Filing Deadline: March 31st (for prior year)
  • Late Filing Deadline - April 30th (late fee applies)
  • Contact Southern Financial Exchange to request a paper form (800) 626-4733 Ext. 1121 or email tkottemann@sfe.org
  • For more information click here


"Examiners view having AAPs on staff as extremely important. AAP is the one certification that regulators view as the payments industry standard for accreditation and ongoing education."

Tony DaSilva, AAP, CISA
Supervision & Regulation,
Federal Reserve Bank of Atlanta

"I took the AAP test on October 15 and PASSED!!!!!!! [I took all of the last week off just to decompress from studying for this test!]

I wanted to THANK YOU and the entire team at SFE that worked on the Summer Study program!  The questions that I got for the actual test were nothing like the practice questions (I swear I didn’t get asked even one IAT question) BUT how the questions were worded and how the questions ‘felt’ was just like the practice tests.

Again, THANK YOU! The Study Program was extremely helpful! I also appreciate all of the hard work that has and does go into making it."

Erica Hare, AAP
Electronic Funds Specialist


To learn more about the AAP Exam and to register, Click Here!