About PacPay

PacPay, a non-profit institution oversees the private sector automated clearinghouse, known as the Hawaii Regional Processing Center, specifically designed to meet the needs of Hawaii financial institutions. 

Mission Statement

The mission of the Pacific Payments Alliance (“PacPay”) is to promote the safe, secure, and efficient use of the electronic payment systems that serve our members in the State of Hawaii and the communities they operate in. This mission will be accomplished through a program that seeks to:

  • Educate members on the safe and secure use of electronic payment systems.
  • Advocate on behalf of our members in the development of payment system rules and legislation.
  • Negotiate for our members to obtain regional processing that meets the special needs of Hawaii financial institutions.

PacPay has transitioned regional payments association (RPA) affiliations from Wespay to WACHA

PacPay selected PAR/WACHA, The Premier Payments Resource, to bring extensive payment and compliance services to Hawaii’s financial industry as of Jan. 1, 2018. PAR/WACHA’s mission is to be the most knowledgeable, responsive and service oriented payments resource. Focused on leading edge solutions and ideas, PAR/WACHA provides quality education on all payment systems including Faster Payments, audits, risk assessments and a range of other support services all focused on helping our members meet their goals and objectives with minimal risk.

“The WACHA Staff is extremely knowledgeable in providing information with all our payment questions.  Mary has personally assisted us, smoothing out matters with external partners.”
-- Genesis Nicklaw, Hawaii State Federal Credit Union


"We're glad to have WACHA on our team!"
-- Brenda Ho, Hawaii USA Federal Credit Union 


"I just wanted to drop you a quick note to thank you for helping with our ACH audit again this year.  The amount we learn from you is incredible, and the benefit to our members (and the industry as a whole) is immeasurable.

I’m also pleased to say that we’ll have four of us attending your [in-person training].  We’re very much looking forward to learning from the expert."
-- Jason Hayashi, HFS Federal Credit Union


PacPay-PAR/WACHA Help Desk

Hours: 5 a.m. to 5 p.m. HST
Toll Free: (800) 453-1843
Fax: 262-345-1246


Additional Resources for PacPay Membership

ABA Look Up
Access to the Federal Reserve Banks' E-Payments Routing Directory.
Click Here

Bin Database/Credit Card Bin Checker
The Bank Identification Number, also known as the credit card bin can tell you the name of the bank that issued the card, the type of card like Debit or Credit, brand of card Visa, MasterCard and level of card like Electron, Classic and Gold. From the bin database you can also check other details about the card and issuer. Credit card bin numbers are the first 6 digits of a card number.
 Click Here

Compliance Services
It is our goal at PAR/WACHA to help you mitigate risk while maintaining regulatory compliance in the payments arena. To realize this goal we offer a wide-range of compliance services including audits, risk assessments, advisory, unclaimed property, and escheatment services to our members and beyond. As an industry leader in payments compliance, our trained staff of AAPs goes above and beyond the basic requirements. We will not only offer solutions and staff training to ensure compliance and mitigate risk, but also to improve operational procedures and efficiency.
Click Here

Treasury link for fraudulent checks
Issue information for U.S. Treasury checks can be verified provided that the financial institution has a valid routing transit number, check number and check amount.
 Click Here

Unclaimed Property Services
PAR/WACHA and Georgeson are available to help you retain assets and reduce your risk of non-compliance through unclaimed property services, training and tools. Banking assets are the number one remitted property type in most states. Not only does this deplete the assets under your management, ever-changing unclaimed property laws also leave banks and credit unions at risk of non-compliance, which can result in significant fines and penalties.
Click Here

Education Calendar

 October 2020 
October 27, 2020

Getting to Know The Green Book - An Overview


October 29, 2020

What's that App?


November 2, 2020

2020 Hawaii Payments University: Virtual Edition, Day 1

Nov. 2 & 4, 2020 | Virtual Event

November 4, 2020

PacPay Annual Members Meeting

Virtual Event

November 4, 2020

2020 Hawaii Payments University: Virtual Edition, Day 2

Nov. 2 & 4, 2020 | Virtual Event