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ACH Payment File Structure

File Header Record – type 1 - all entries

The File Header record indicates specific file characteristics: the origin and destination of the file, the file creation date/time and other identification fields that allow the file to be identified uniquely.

FieldField NameRequirementContents TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘1’111
2PRIORITY CODEMandatoryAlways ‘01’223
3IMMEDIATE DESTINATIONMandatoryGS Bank routing number Always ‘b026015079’ (‘b’= space)10413
4IMMEDIATE ORIGINMandatoryClient selected identifier that identifies the file or its source. The 3 fields (Immediate Origin, File Creation Date & File ID Modifier) uniquely identify a file as received by GS Bank101423
5FILE CREATION DATEMandatoryDate in ‘YYMMDD’62429
6FILE CREATION TIMEMandatoryTime in ‘HHMM’43033
7FILE ID MODIFIERMandatoryUpper case A-Z Numeric 0-9. Start with ‘A’ for the first file of the day. Increment to ‘B’, ‘C’, and so on, up to ‘Z’ (followed by ‘0’ to ‘9’) for every subsequent file during the day13434
8RECORD SIZEMandatoryAlways ‘094’33537
9BLOCKING FACTORMandatoryAlways ‘10’23839
10FORMAT CODEMandatoryAlways ‘1’14040
11IMMEDIATE DESTINATION NAMEMandatoryAlways “GS BANK USA”234163
12IMMEDIATE ORIGIN NAMEMandatoryAlphanumeric. Sending organization name236486
13REFERENCE CODEOptionalAlphanumeric
Optional for your reference. Ignored by GS Bank
88794

File Header Record – Example
101 02601507911223344552006011330A094101GS    BANK USA     YOUR COMPANY NAME   REF123AB

Company / Batch Header Record – type 5 – for CCD, CTX, PPD, WEB and TEL entries

The Company / Batch Header record indicates key transaction attributes that are common to all entries contained in the batch. Among other things, it indicates the Originator, the Effective Entry Date (settlement / value date), a brief description of the purpose and the Standard Entry Class Code common to all transactions in the batch

FieldField NameRequirementContents/TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘5’111
2SERVICE CLASS CODEMandatoryIdentifies the type of entries in the batch. Enter one of the following codes:
* ‘200’ – Batch containing ACH Credits and Debits
* ‘220’ – Batch containing ACH Credits only
* ‘225’ – Batch containing ACH Debits only
324
3COMPANY NAMEMandatoryAlphanumeric
Your organization name. Under NACHA rules, this field identifies the source of the transaction to the receiver, generally must contain the name by which the originator (your organization) is known to and readily recognized by the receiver
16520
4COMPANY DISCRETIONARY DATAOptionalAlphanumeric
For your company’s internal use, if desired. No specific format is required
202140
5COMPANY IDENTIFICATIONMandatoryAlphanumeric
Enter the Company ID as agreed between GS Bank and yourself
104150
6STANDARD ENTRY CLASS CODE1MandatoryAlphanumeric
Enter one of the following supported codes:
* For ACH Credits: CCD, CTX, PPD
* For ACH Debits: CCD, CTX, PPD, WEB, TEL
35153
7COMPANY ENTRY DESCRIPTIONMandatoryAlphanumeric. Description of the purpose of the Entries in the batch that will be passed on to the receiver, e.g. PAYROLL, BILL PMT, etc.105463
8COMPANY DESCRIPTIVE DATEOptionalAlphanumeric
Optional reference date that is passed on to the receiver for descriptive purposes, e.g. JAN 20, 011520.
Note:- this date is not used for settlement or posting purposes.
66469
9EFFECTIVE ENTRY DATEMandatoryYYMMDD,
Banking day on which settlement is to take place.
Must be a valid date same as or up to 30 days in future from the date the file is received
67075
10SETTLEMENT DATE (JULIAN)N/AReserved. Fill with spaces37678
11ORIGINATOR STATUS CODEMandatoryAlways ‘1’17979
12ORIGINATING DFI IDENTIFICATIONMandatoryAlways ‘02601507’ (first 8 digits of GS Bank’s routing number)88087
13BATCH NUMBERMandatoryNumeric.
Start with ‘0000001’ and increment by 1 for each subsequent batch in the file
78894

1 See section on Standard Entry Class codes for a further description of supported codes

Company / Batch Header Record – Example 5220ALPHA     COMPANY          1234567890PPDPAYROLL         JUN 20200701         1026015070000001

Company / Batch Header Record – type 5 – for IAT entries

The Company / Batch Header record indicates key transaction attributes that are common to all entries contained in the batch. Among other things, it indicates the Originator, the Effective Entry Date (settlement / value date), a brief description of the purpose and the Standard Entry Class Code common to all transactions in the batch

FieldField NameRequirementContents/TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘5’111
2SERVICE CLASS CODEMandatoryIdentifies the type of entries in the batch. Enter one of the following codes:
* ‘200’ – Batch containing ACH Credits and Debits
* ‘220’ – Batch containing ACH Credits only
* ‘225’ – Batch containing ACH Debits only
324
3IAT IndicatorOptionalAlphanumeric
To be left blank
16520
4Foreign Exchange IndicatorAlphanumeric
Enter one of the following values
This field contains a code used to indicate the foreign exchange conversion methodology applied to an IAT entry
* “FV” (Fixed-to-Variable). Entry originated in a fixed-value amount and is to be received in a variable amount resulting from the execution of the foreign exchange conversion.
* “VF” (Variable-to-Fixed). Entry originated in a variable-value amount based on a specific foreign exchange rate for conversion to a fixed-value amount in which the Entry is to be received.“FF” (Fixed-to-Fixed). Entry originated in a fixed-value amount and is to be received in the same fixed-value amount in the same currency denomination. There is no foreign exchange conversion for Entries Transmitted using this code. For Entries originated in a fixed-value amount, the Foreign Exchange Reference Field will be space filled.
222122
5FOREIGN EXCHANGE REFERENCE INDICATORConditionalPopulated if there was a foreign exchange conversion as indicated by the Foreign Exchange Indicator field (“FV” or “FF”), and indicates the content that follows in the Foreign Exchange Reference field.
Possible values for this field are –
* "1" - Foreign Exchange rate
* "2" - Foreign Exchange Reference Number
* "3" - Space Filled
12323
6FOREIGN EXCHANGE REFERENCEConditionalAlphanumeric
Additional information relating to the foreign exchange conversion. Populate FX rate or an FX reference number as indicated by the previous field. If the Foreign Exchange Indicator contains ‘FF’, this field will always be spaced filled.
152438
7ISO DESTINATION COUNTRY CODEMandatoryAlphanumeric. This field is currently not used by GS Bank. Fill with spaces.23940
8ORIGINATOR IDENTIFICATIONMandatoryAlphanumeric
Enter the Company ID as agreed between GS Bank and yourself.
104150
9STANDARD ENTRY CLASS CODEMandatoryAlphanumeric. Always “IAT” for International ACH transactions35153
10COMPANY ENTRY DESCRIPTIONMandatoryAlphanumeric.
Description of the purpose of the Entries in the batch that will be passed on to the receiver, e.g. PAYROLL, BILL PMT, etc.
105463
11ISO ORIGINATING CURRENCY CODEMandatoryAlphanumeric.3-character ISO currency code for the currency in which the Entry was first originated.36769
12ISO DESTINATION CURRENCY CODEMandatoryAlphanumeric.3-character ISO currency code for the currency in which the Entry is to be received.36769
13EFFECTIVE ENTRY DATEMandatoryYYMMDD.Banking day on which settlement is to take place. Must be a valid date same as or up to 30 days in future from the date the file is received.67075
14SETTLEMENT DATE(JULIAN)N/AReserved. Fill with spaces.37678
15ORIGINATOR STATUS CODEMandatoryAlways "1".17979
16GATEWAY / ORIGINATING DFI IDENTIFICATIONMandatoryAlways ‘02601507’ (first 8 digits of GS Bank’s routing number).88087
17BATCH NUMBERMandatoryNumeric. Start with ‘0000001’ and increment by 1 for each subsequent batch in the file..78894

1 See section on Standard Entry Class codes for a further description of supported codes

Company / Batch Header Record – Example 5220VF2FXREF-123456      US 1234567890IATREMITTANCEGBPUSD200701PPD1026015070000001

Entry Detail Record – type 6 – for CCD, PPD, WEB and TEL entries

The Entry Detail record provides information as relates to the Receiver of the transaction, specifically the account number and RDFI routing identifier and the amount. The field layout is largely consistent, but may vary for certain SEC codes. The below applies to CCD, PPD, WEB and TEL entries. Record structure for CTX and IAT entries is outlined in the next sections.

FieldField NameRequirementContents/TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘6’111
2TRANSACTION CODEMandatoryNumeric. Enter one of the following values:
For Credits:
* 22 – Checking account
* 32 – Savings account
* 23 – Checking account prenotification (zero-dollar)
* 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
* 33 – Savings account prenotification (zero-dollar)
* 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
For Debits:
* 27 – Checking account credit
* 37 – Savings account credit
* 28 – Checking account prenotification (zero-dollar)
* 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
* 38 – Savings account prenotification (zero-dollar)
* 39 Zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
For Loan Credits:
* 52 Loan Account
* 53 Prenotification of Loan Account Credit (zero-dollar)
* 54 Zero dollar with remittance data (for CCD and CTX Entries only)
For Loan Debits:
* 55 Loan Account Debit (Reversals Only)
223
3RECEIVING DFI IDENTIFICATIONMandatoryFirst 8 digits of the receiving depository financial institution (RDFI) routing number8411
4CHECK DIGITMandatoryLast digit of the receiving depository financial institution (RDFI) routing number11212
5RECEIVER’S ACCOUNT NUMBER AT RDFIMandatoryAlphanumeric
Receiver’s account number at the RDFI to be credited or debited
171329
6AMOUNTMandatoryDollar and Cent
Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056
103039
7(INDIVIDUAL) IDENTIFICATION NUMBEROptionalAlphanumeric
Additional identifying reference for the receiver. Do not use Social Security Number (SSN)
154054
8INDIVIDUAL / RECEIVING COMPANY NAMEMandatoryAlphanumeric
Receiver name (individual or business / company name)
225576
9DISCRETIONARY DATA (CCD, PPD) /
PAYMENT TYPE CODE (WEB, TEL)
ConditionalAlphanumeric.
For WEB and TEL entries, this field may contain:
* ‘R’ – for a recurring entry
* ‘S’ – for a single entry
* ‘ST’ – for standing instruction entry
For CCD and PPD, this field is not used by GS Bank. Fill with spaces
27778
10ADDENDA RECORD INDICATORMandatoryNumeric. Enter one of the following values:
0 – no addenda record for this Entry
1 – one or more addenda records follow this Entry
17979
11TRACE NUMBERMandatoryNumeric.
Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch
158094

Entry Detail Record – Example

632111122223123456789    0000023062AB156325    JACK SMITH        0026015070000001

Entry Detail Record – type 6 – for CTX entries

FieldField NameRequirementContents/TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘6’111
2TRANSACTION CODEMandatoryNumeric. Enter one of the following values:
For Credits:
* 22 – Checking account
* 32 – Savings account
* 23 – Checking account prenotification (zero-dollar)
* 33 – Savings account prenotification (zero-dollar)
* 24 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
* 34 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
For Debits:
* 27 – Checking account
* 37 – Savings account
* 28 – Checking account prenotification (zero-dollar)
* 29 – Checking account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
* 38 – Savings account prenotification (zero-dollar)
* 39 – Savings account zero dollar with remittance data (for CCD, CTX, and IAT Entries only)
For Loan Credits:
52 Loan Account
53 Prenotification of Loan Account Credit (zero-dollar)
54 Zero dollar with remittance data (for CCD and CTX Entries only)
For Loan Debits:
55 Loan Account Debit (Reversals Only)
223
3RECEIVING DFI IDENTIFICATIONMandatoryFirst 8 digits of the receiving depository financial institution (RDFI) routing number8411
4CHECK DIGITMandatoryLast digit of the receiving depository financial institution (RDFI) routing number11212
5RECEIVER’S ACCOUNT NUMBER AT RDFIMandatoryAlphanumeric Receiver’s account number at the RDFI to be credited or debited171329
6AMOUNTMandatoryDollar and Cents
Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056
103039
7IDENTIFICATION NUMBEROptionalAlphanumeric Additional identifying information for the Receiver or Originator.154054
8NUMBER OF ADDENDA RECORDSMandatoryNumeric.45558
9RECEIVING COMPANY NAME / ID NUMBERMandatoryAlphanumeric. Receiver name.165974
10RESERVEDN/AFill with spaces.27576
11DISCRETIONARY DATAOptionalAlphanumeric
This field is currently not used by GS Bank. Fill with spaces.
27778
12ADDENDA RECORD INDICATORMandatoryNumeric. Enter one of the following values:
0 – no addenda record for this Entry
1 – one or more addenda records follow this Entry
17979
13TRACE NUMBERMandatoryNumeric.
Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch.
158094

Entry Detail Record – type 6 - for IAT entries

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘6’111
2TRANSACTION CODEMandatoryNumeric. Enter one of the following values:
For Credits:
* 22 – Checking account credit
* 32 – Savings account credit
* 23 – Checking account prenotification (zero-dollar)
* 33 – Savings account prenotification (zero-dollar)
For Debits:
* 27 – Checking account credit
* 37 – Savings account credit
* 28 – Checking account prenotification (zero-dollar)
* 38 – Savings account prenotification (zero-dollar)
* 39 – Savings account zero dollar with remittance data (for CCD,CTX and IAT entries only)
223
3GATEWAY / RECEIVING DFI IDENTIFICATIONMandatoryFirst 8 digits of the routing number of the US receiving depository financial institution (RDFI) or the US Gateway Operator (in case of outbound IAT entries)8411
4CHECK DIGITMandatoryLast digit of the receiving depository financial institution (RDFI) routing number11212
5NUMBER OF ADDENDAMandatoryNumeric. Total number of addenda records accompanying this entry. Note IAT entries must have a minimum of 7 mandatory addenda records and a maximum of 1241316
6RESERVEDN/ALeave blank131729
7AMOUNTMandatory$$$$$$$$¢¢
Amount in dollars and cents. Must be unsigned, without a decimal point, right justified and filled with leading zeros. E.g. $230.56 is completed as 0000023056
103039
8RECEIVER’S ACCOUNT NUMBERMandatoryAlphanumeric
Receiver’s account number at the RDFI to be credited or debited. For outbound IAT entries, this should be the foreign Receiver’s account number
354074
9RESERVEDN/ALeave blank27576
10GATEWAY OPERATOR OFAC SCREENING INDICATOROptionalLeave blank. For use by a Gateway Operator screen for OFAC compliance17777
11SECONDARY OFAC SCREENING INDICATOROptionalIndicates the results of a Third-Party Service Provider screen for OFAC compliance, if applicable. This field must be space filled if no screening has been conducted.
“0” – indicates that the Third-Party Service Provider has not found a potential blocked party, as identified by OFAC on its list of Specially Designated Nationals (“SDN list”).
“1” – indicates the potential presence of a blocked party.
17878
12ADDENDA RECORD INDICATORMandatoryNumeric. IAT entries must always have this as “1”17979
13TRACE NUMBERMandatoryNumeric.
Unique identifier for each Entry within the batch. The first 8 digits must correspond to GS Bank’s routing number ‘02601507’, followed by a sequence number in ascending order within the batch
158094

Entry Detail Record – Example
632111122223000856789     00000230621234567890     1026015070000001

Addenda Record – type 7 -for all except IAT and TEL

Addenda record(s)may be optionally used to provide additional information relating to the Entry to the Receiver. The presence of an Addenda record(s) is indicated and validated against the Addenda record indicator in the Entry Detail record, and the Number of Addenda Records value (for CTX entries). IAT entries carry a special set of Addenda records that are described in the next section. Addenda records are not allowed on TEL entries.

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘05’223
3PAYMENT RELATED INFORMATIONOptionalAlphanumeric
Additional information related to payment for the receiver
80483
4ADDENDA SEQUENCE NUMBERMandatoryNumeric
Sequence number starting with 0001
48487
5ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

Addenda Record – type 7 - IAT Entries

Every IAT Entry record must be followed by 7 mandatory Addenda records and up to 5 additional optional Addenda records – in all a maximum of 12 Addenda records. The Addenda record structure for IAT entries is summarized below:

  • Addenda Type Codes ‘10’ through ‘16’ --> Mandatory, 7 IAT addenda records
  • Addenda Type Code ‘17’ --> Optional, up to a maximum of 2(*) IAT Remittance Information addenda records
  • Addenda Type Code ‘18’ --> Optional, up to a maximum of 5(*) IAT Foreign Correspondent Bank addenda records

(*) The optional addenda records of type ‘17’and ‘18’ cannot in total exceed 5 addenda records

Record layout of each of the IAT Addenda Types is as provided below:

1st IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘10’223
3TRANSACTION TYPE CODEMandatoryAlphanumeric
Refer List of IAT Transaction Type Codes
346
4FOREIGN PAYMENT AMOUNTMandatory$$$$$$$$$$$$$$$$¢
* For Inbound IAT Entries, this field contains the amount for which the Entry was originated by the Foreign ODFI in the currency indicated by the Originating Currency Code (Company/Batch Header Record).
* For Outbound IAT Entries, this field is populated based on the value in the Foreign Exchange Indicator as follows:
    - “FV” (fixed-to-variable), this field is zero-filled.
    - “VF” (variable-to-fixed) or “FF” (fixed-to-fixed), the amount for which the Entry is to be received by the foreign Receiver in the currency indicated by the ISO Destination Currency Code (Company/Batch Header Record).
18724
5FOREIGN TRACE NUMBEROptionalAlphanumeric
Applicable for inbound IAT entries. May include a trace number as assigned to the entry in the originating payments system.
222546
6RECEIVING COMPANY NAME / INDIVIDUAL NAMEMandatoryAlphanumeric
Name identifying the Receiver of the transaction.
354781
7RESERVEDN/ALeave blank68287
8ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

2nd IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘11’223
3ORIGINATOR NAMEMandatoryAlphanumeric
Name of the Originator of the transaction
35438
4ORIGINATOR STREET ADDRESSMandatoryAlphanumeric
Physical street address of the Originator of the transaction
353973
5RESERVEDN/ALeave blank147487
6ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

3rd IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘12’223
3ORIGINATOR CITY & STATE/PROVINCEMandatoryAlphanumeric
City and, if applicable, the state or province of the Originator. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde "~” must be used as the terminator following the last data element, e.g. SAN FRANCISCO*CA\
35438
4ORIGINATOR COUNTRY & POSTAL CODEMandatoryAlphanumeric
ISO Country Code (2-char) followed by the postal code of the Originator. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. US*10282\
353973
5RESERVEDN/ALeave blank147487
6ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record.
78894

4th IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘13’
The fields in this addenda record must identify the foreign financial institution initiating or funding the payment transaction (for inbound or outbound IAT entries) if any, or the U.S. ODFI (for outbound IAT entries).
223
3ORIGINATING DFI NAMEMandatoryAlphanumeric.35438
4ORIGINATING DFI IDENTIFICATION NUMBER QUALIFIERMandatoryEnter a 2-digit code as below:
* 01 – National Clearing System Number (e.g. US ABA)
* 02 – SWIFT BIC
* 03 – IBAN 2 39 40
5ORIGINATING DFI IDENTIFICATIONMandatoryAlphanumeric.
Identifier for the financial institution as per the numbering scheme indicated above.
344174
6ORIGINATING DFI BRANCH COUNTRY CODEMandatoryAlphanumeric.
ISO 2-char Country Code of the institution identified in this record.
37577
7RESERVEDN/ALeave blank107887
8ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

5th IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘14’
The fields in this addenda record identify the Receiving DFI at which the Receiver maintains their account.
223
3RECEIVING DFI NAMEMandatoryAlphanumeric.35438
4RECEIVING DFI IDENTIFICATION NUMBER QUALIFIERMandatoryEnter a 2-digit code as below:
* 01 – National Clearing System Number (e.g. US ABA)
* 02 – SWIFT BIC
* 03 – IBAN
23940
5RECEIVING DFI IDENTIFICATIONMandatoryAlphanumeric
Identifier for the financial institution as per the numbering scheme indicated above.
344174
5RECEIVING DFI BRANCH COUNTRY CODEMandatoryAlphanumeric
ISO 2-char Country Code of the institution identified in this record.
37577
6RESERVEDN/ALeave blank107887
7ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

6th IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘15’223
3RECEIVER IDENTIFICATION NUMBEROptionalAlphanumeric
May be used by the Originator to insert its own number for tracing purposes.
15418
4RECEIVER STREET ADDRESSMandatoryAlphanumeric
Physical street address of the Receiver of the transaction.
351953
5RESERVEDN/ALeave blank345487
6ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record.
78894

7th IAT Addenda Record

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘16’223
3RECEIVER CITY & STATE/PROVINCEMandatoryAlphanumeric
City and, if applicable, the state or province of the Receiver. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. SAN FRANCISCO*CA| 35
438
4RECEIVER COUNTRY & POSTAL CODEMandatoryAlphanumeric
ISO Country Code (2-char) followed by the postal code of the Receiver. An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element, e.g. US*10282\
353973
5RESERVEDN/ALeave blank147487
6ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

Remittance Information – IAT Addenda Record

This Addenda Type accommodates the transmission of optional remittance information. A maximum of 2 optional remittance addenda records can accompany an IAT entry, within which a maximum of 160 characters (80 characters per addenda record) of remittance information can be included. These addenda records may also carry information of the ultimate payer or ultimate beneficiary for IAT payments that involve a further “for the credit to /by order of” parties.

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘17’223
3PAYMENT RELATED INFORMATIONOptionalAlphanumeric
This field may contain additional information related to payment for the receiver. It may also carry information identifying the ultimate payer/beneficiary, or in the case of IAT entries that contain ARC, BOC, RCK, POP, MTE, POS or SHR in the Transaction Type code, the additional information as required by those entries.
The identification of the ultimate foreign beneficiary (of the debit) or ultimate foreign payer (of the credit) takes priority over the inclusion of other payment related information.
An asterisk must be used as the delimiter between the data elements, and the backslash “\” or the tilde “~” must be used as the terminator following the last data element,
e.g. JOHN SMITH10 CHERRY LANELONDON105SW2GB| 80
483
4ADDENDA SEQUENCE NUMBERMandatoryNumeric
Sequence number starting with 0001
48487
5ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record
78894

Foreign Correspondent Bank – IAT Addenda Record

A separate addenda record must be added to the payment for each Foreign Correspondent Bank that is involved with the transmission or exchange of an IAT entry, providing parties to the transaction with additional information needed to identify and react to unlawful transactions. A maximum of five Foreign Correspondent Bank addenda records may accompany an IAT entry.

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘7’111
2ADDENDA TYPE CODEMandatoryAlways ‘18’223
3FOREIGN CORR. BANK NAMEMandatoryAlphanumeric.35438
4FOREIGN CORR. BANK IDENTIFICATION NUMBER QUALIFIERMandatoryEnter a 2-digit code as below –
* 01 – National Clearing System Number (e.g. US ABA)
* 02 – SWIFT BIC
* 03 – IBAN
23940
5FOREIGN CORR. BANK IDENTIFICATIONMandatoryAlphanumeric.
Identifier for the financial institution as per the numbering scheme indicated above.
344174
6FOREIGN CORR. BANK BRANCH COUNTRY CODEMandatoryAlphanumeric.
ISO 2-char Country Code of the institution identified in this record.
37577
7RESERVEDN/ALeave blank107887
8ENTRY DETAIL SEQUENCE NUMBERMandatoryNumeric
Last 7 digits of the Trace Number of the related Entry Detail record.
78894

List of Transaction Type Codes (IAT Entries)

The Transaction Type Code is a required, three-character field in the 1st IAT Addenda record. This field contains a code as per the following lists, used to identify –

  • In the case of Outbound IAT entries, a Reason for Payment from one of the codes in the below list.
  • In the case of Inbound IAT entries,
  • a secondary SEC code for certain inbound IAT entries to indicate the use of an underlying ACH application by an entity outside the territorial jurisdiction of the United States, or where that is not required
  • a Reason for Payment. The requirement to include a secondary SEC Code takes priority over the reason for the payment.

Reasons for Payment

ANN – Annuity
BUS – Business/Commercial
DEP – Deposit
LOA – Loan
MIS – Miscellaneous
MOR –Mortgage
PEN – Pension
REM – Remittance
RLS – Rent/Lease
SAL – Salary/Payroll
TAX – Tax

Secondary SEC Codes
For inbound IAT entries, the Transaction Type Code field is used to identify ACH transactions that were originated using other ACH applications by parties outside the territorial jurisdiction of the United States. Only the following SEC Codes are defined for use as secondary SEC Codes in the IAT.

  • ARC – Accounts Receivable Entry
  • BOC – Back Office Conversion Entry
  • MTE – Machine Transfer Entry
  • POP – Point of Purchase Entry
  • POS – Point of Sale Entry
  • RCK – Re-presented Check Entry
  • SHR – Shared Network Transaction
  • TEL – Telephone-Initiated Entry
  • WEB – Internet-Initiated Entry

Some of these secondary SEC codes require the provision of additional information. In such cases, an asterisk should be used as the delimiter between data elements, and the backslash () or tilde (~) will be the terminator between the data segments.

  • ARC, BOC, or RCK entries must provide the check serial number

CHECK SERIAL NUMBER\ or ~ Example: 3349809002\ or ~

  • POP entries must provide the check serial number, terminal city, and terminal state/ foreign country

CHECK SERIAL NUMBER (MAXIMUM OF 9 CHARACTERS)*TERMINAL CITY (MAXIMUM OF 4 CHARACTERS)*TERMINAL

STATE/FOREIGN COUNTRY (2 CHARACTERS)\ or ~ Example: 123456789PARIFR\ or ~

  • MTE, POS, or SHR entries must provide the terminal identification code, terminal location, terminal city, and terminal state/foreign country

TERMINAL IDENTIFICATION CODE (MAXIMUM OF 6 CHARACTERS)*TERMINAL LOCATION (MAXIMUM OF 27

CHARACTERS)TERMINAL CITY (MAXIMUM OF 15 CHARACTERS)TERMINAL STATE/FOREIGN COUNTRY (2 CHARACTERS)\ or ~ Examples: 201209321 EAST MAIN STREETANYTOWN*GA\ or ~

36440212TH & TOLL STREETLONDON*UK\ or ~

Company / Batch Control Record – type 8

The Company/Batch Control Record contains the counts, hash totals, and total dollar controls for the preceding Entries within the batch. All Entry Detail Records are hashed. Both Entry Detail Records and Addenda Records are included in the Entry/addenda counts; Batch Header and Batch Control Records are not included.

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘8’111
2SERVICE CLASS CODEMandatoryNumeric.
Should be the same as the Service Class Code of the associated Company / Batch Header record.
324
3ENTRY/ ADDENDA COUNTMandatoryNumeric.
Total number of entry and addenda records in the batch.
6510
4ENTRY HASHMandatoryNumeric.
Sum of the 8-digit RDFI routing numbers in the Entry Detail records in the batch. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits.
101120
5TOTAL DEBIT ENTRY DOLLAR AMOUNTMandatoryDollar and Cent
Sum of Entry Detail debit totals within the batch.
122132
6TOTAL CREDIT ENTRY DOLLAR AMOUNTMandatorydollar and Cent
Sum of Entry Detail credit totals within the batch.
123344
7COMPANY IDENTIFICATIONMandatoryAlphanumeric. Should be the same as the Company ID of the associated Company / Batch Header record.104554
8MESSAGE AUTHENTICATION CODEN/AAlphanumeric.
Not used. Fill with spaces.
195573
9RESERVEDN/AFill with spaces67479
10ORIGINATING DFI IDENTIFICATIONMandatoryAlways ‘02601507’ (first 8 digits of GS Bank’s routing number)88087
11BATCH NUMBERMandatoryNumeric. Should be the same as the Batch Number of the associated Company / Batch Header record.78894

Company / Batch Control Record – Example 822000000300333366660000000000000000003000001234567890     026015070000001

File Control Record – type 9

The File Control Record contains control totals for the entries, batches and blocks in the file.

FieldField NameRequirementContents / TypeLengthStart PositionEnd Position
1RECORD TYPE CODEMandatoryAlways ‘9’111
2BATCH COUNTMandatoryNumeric. Number of batches in the file.627
3BLOCK COUNTMandatoryNumeric. Total number of blocks in the file. Block = 10 records (including all Header and Control records and Blocking control records).6813
4ENTRY/ADDENDA COUNTMandatoryNumeric. Total number of Entry Detail and Addenda records in the file.81421
5ENTRY HASHMandatoryNumeric. Sum of all Entry Hash fields in each Company/Batch Control record contained within the file. Use the right-most 10 digits if the sum exceeds 10 digits, and fill with leading 0’s if less than 10 digits.102231
6TOTAL DEBIT ENTRY DOLLAR AMOUNT IN FILEMandatoryDollar and Cents
Sum of Entry Detail debit totals within the file.
123243
7TOTAL CREDIT ENTRY DOLLAR AMOUNT IN FILEMandatoryDollar and Cents
Sum of Entry Detail credit totals within the file.
124455
8RESERVEDN/AAlways filled with spaces395694

File Control Record – Example
9000003000002000000100077785554000000000000000000700000


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