Effective March 2021, Nacha implemented a rule that requires originators of WEB debits to validate first-use consumer account information in one of three possible ways: • An ACH prenotification [prenote] • ACH micro-transaction verification • Commercially available validation service. According to Nacha, WEB debits are “consumer debit payments authorized or initiated over an online channel”. In its Account Validation Resource Center, Nacha describes this rule and provides a list of Third-Party Validation Service Vendors that are a Preferred Partner (PP), Payments Innovation Alliance Member (PIA), or Nacha Certified (NC).