WASHINGTON (7/28/11)--Credit unions can provide their input on the challenges and advantages presented by the many ways that person-to-person (P2P) payments may be made over automated clearing house (ACH) networks via a comment call issued by the Electronic Payments Association (NACHA). The comment call, which has also been released by the Credit Union National Association (CUNA), presents nine different options for P2P payments that can be made by smartphones, including using prepaid accounts with a given retailer, mobile check scanning, and person-to-person payments that are made online. The comment call asks credit unions to detail which P2P options they use, and to list any advantages or disadvantages to using those options. Credit unions may also suggest potential improvements to NACHA’s operating rules, or the ACH network in general, that would make P2P options easier to use. The comment call also asks if credit union members have experienced any difficulties when they attempted to sign up for mobile P2P payment options. Comments to CUNA must be sent by Aug. 5. NACHA will accept comments until Aug. 12. For the full comment call, use the resource link.