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.

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

Third-Party Resource Center
Access to information, news, training and tools regarding Third-Party organizations 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



Registration Is Open for the 2018 PacPay Annual Members Meeting

Space is limited, so register early!

Join your colleagues at the PacPay Annual Members Meeting to hear the latest on PacPay’s initiatives for 2018. New for 2018 - earn 2.4 AAP Credits!


Hawaii Payments University Registration Is Open!

The first 30 financial institutions to register receive one free entry, compliments of PacPay.

Whether you are new to the payments industry or desire a higher-understanding of payments, Payments University provides a multi-track agenda with collegiate-style learning.

Education Calendar

 April 2018 
May 15, 2018

RDFI Roles, Responsibilities and Exception Handling

In-Person Training

American Savings Bank Training Center | 677 Ala Moana Blvd. Honolulu, HI 96813

May 16, 2018

ODFI Roles, Responsibilities and On-boarding New Originators

In-Person Training

American Savings Bank Training Center | 677 Ala Moana Blvd. Honolulu, HI 96813

May 17, 2018

PacPay Annual Members Meeting

HASR Bistro | 31 N Pauahi St., Honolulu, HI 96817

August 7, 2018

Government Payments Workshop – From Enrollment to Reclamation and Everything In Between

In-Person Training

American Savings Bank Training Center | 677 Ala Moana Blvd. Honolulu, HI 96813

August 8, 2018

File Formating

In-Person Training

American Savings Bank Training Center | 677 Ala Moana Blvd. Honolulu, HI 96813