The European Automated Clearing House Association (EACHA) is the technical cooperation forum of European ACHs. Its membership comprises of 25 institutions from 23 countries. The Association members gathers twice a year to discuss European developments in retail payments. The philosophy of EACHA is that healthy competition also means teamwork. This is why EACHA believes firmly in developing a common vision for the future, and favoring harmonious implementation of European policies and schemes including interoperability based on open standards. EACHA aims to: * be a forum enabling its members to share information * advance the views of its members on issues of general interest * resolve specific issues by, for instance, developing common guidelines for the clearing and settlement of SEPA payments