ACH IAT

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 ~