Embodiments of the invention described a method for processing an ACH transfer in compliance with NACHA regulations. The method comprises receiving a request, through a phone call from a customer, to initiate an ACH transfer, the request including at least an account identifier and a payment amount. The method confirms the ACH transfer using speech recognition software and an interactive voice response unit, wherein the customer's identity, the date of transfer, the account identifier, the payment amount, a contact phone number, and the date of the confirmation, are confirmed by the customer using a verbal response recognized by the speech recognition software. This method also includes, recording, using a recording server, the verbal response of the customer in a sound file, tagging the sound file with at least the field of an account identifier, and storing the sound file for at least two years in a data repository.