Certification: Channel Payments

Certification

What You'll Learn

From Checks to Crypto—Master the Full Spectrum of U.S. Payment Channels

The way money moves is changing faster than ever. Whether you're in banking, fintech, treasury, operations, or compliance, understanding how payments flow—and which channel fits the need—is essential to navigating today’s complex financial landscape.

In this comprehensive 14-part, 4.8-hour series, the Payments Professor takes you on a guided journey through the modern U.S. payments ecosystem. You'll explore how payment channel’s function, the technologies and regulations that support them, and how to strategically use each to reduce risk, cut costs, improve service, and stay compliant.

What You’ll Learn

The Core Payment Channels – Dive into cash, checks, cards, wire transfers, ACH, and real-time rails like FedNow® and RTP®.
Payment Networks Explained – Understand the structure and purpose of open vs. closed systems, including ACH, Visa®, PayPal®, and crypto networks.
Regulatory Foundations – Explore rules and regulators including Reg E, UCC 4A, BSA/AML, and the roles of the CFPB, OCC, and Fed within multiple payment channels.
Electronic Payments Deep Dive – Learn how clearing, settlement, and network rules shape costs, risks, and speed.
Modern Trends & Tools – Get up to speed on alternative payments, digital wallets, Buy Now Pay Later, stablecoins, and cryptocurrencies.
Fraud Risks & Compliance Requirements – Identify risks and controls for each payment type and learn how regulations apply differently across channels.

Who Should Enroll:

Bankers and credit union staff
Payment’s professionals (AAP, APRP, AFPP candidates)
Treasury and operations teams
Compliance and risk officers
Fintech innovators and product managers
Anyone looking to master payment fundamentals and strategy

Courses Included:

Introduction to Payment Channels
Understanding Payment Networks
Basics of Electronic Payments
The Payments Regulatory Environment
Payment Channels: Cash
Payment Channels: Checks
Payment Channels: Card Payments
The ACH Network
The FedNow Network
The RTP Network
Payment Channels: Wire Transfers
Payment Channels: Alternative Payments
Payment Channels: Cryptocurrencies
Conclusion

Whether you’re just starting your payments journey or sharpening your skills, this course is your one-stop guide to understanding the past, present, and future of U.S. payment channels—taught by one of the most engaging educators in the industry.

*This course does NOT qualify, nor meet the National Standard for NASBA accreditation.