Documentationkeyboard_arrow_right
Banking Serviceskeyboard_arrow_right
Transaction Bankingkeyboard_arrow_right
File Supportkeyboard_arrow_right
NACHAkeyboard_arrow_right
SEC Codes
menu

Supported Standard Entry Class (SEC) codes

Supported Standard Entry Class (SEC) codes and their descriptions

Below is a description of the Standard Entry Class (SEC) codes supported for ACH Credit and Debit transactions. The 3-character code is indicated in field 6 of the Company / Batch Header record (type 5).

Supported for both ACH Credits and ACH Debits:

  • CCD (Corporate Debit or Credit entry): Used to facilitate commercial / business-to-business (B2B) payments between accounts belonging to the same or different business entities. They may be buyer-initiated (ACH Credit) or seller-initiated (ACH Debit) transactions. A CCD entry may have zero or one addenda record to contain supporting remittance information.
  • CTX (Corporate Trade Exchange entry): Also used to support commercial / trade related payments, that have extensive remittance information accompanying the payment. Each CTX entry can support up to a maximum of 9,999 addenda records each carrying 80 characters of information, formatted as an ANSI ASC X12 or UN/EDIFACT transaction.
  • PPD (Prearranged Payment and Deposit entry): Credit or debit entry originated by a non-consumer organization to a consumer account based on a standing or single-entry authorization from that consumer. Typical uses are for personal payments such as payroll, pension, dividend, etc., or for collection of bill payments for various purposes such as utility dues, insurance, loan payments, etc.
  • IAT (International ACH Transaction): A credit or debit USD ACH entry that is part of a larger cross-border transaction that involves a financial agency’s office outside the U.S. in the settlement of any leg of the cross-border transaction.

Supported for ACH Debits only:

  • WEB (Internet/Mobile initiated entry): Used by a non-consumer Originator to debit a consumer account, for recurring or non-recurring transactions, based on an authorization that is received other than by oral communication, i.e. via the internet or a wireless network.
  • TEL (Telephone initiated entry): An ACH debit entry to a consumer account, based on an authorization that is received by the Originator orally via the telephone.
Solutions
Curated DataData Management Security MasterData AnalyticsPlotTool ProPortfolio AnalyticsGS QuantTransaction BankingGS DAP®
Docs
Data ServicesPricing & Risk ServicesIndex ServicesHedging ServicesPortfolio ServicesContent ServicesRIA CustodyCommission ManagerTransaction BankingGS SelectGS QuantPlotTool Pro
Learn More
BlogOpen SourceData Partnersdatonomy™CareersAbout Goldman Sachs
Goldman Sachs DeveloperPrivacy and CookiesGS Terms & ConditionsRegulatory DisclosuresSecurity
GS DAP® is owned and operated by Goldman Sachs. This site is for informational purposes only and does not constitute an offer to provide, or the solicitation of an offer to provide access to or use of GS DAP®. Any subsequent commitment by Goldman Sachs to provide access to and / or use of GS DAP® would be subject to various conditions, including, amongst others, (i) satisfactory determination and legal review of the structure of any potential product or activity, (ii) receipt of all internal and external approvals (including potentially regulatory approvals); (iii) execution of any relevant documentation in a form satisfactory to Goldman Sachs; and (iv) completion of any relevant system / technology / platform build or adaptation required or desired to support the structure of any potential product or activity. All GS DAP® features may not be available in certain jurisdictions. Not all features of GS DAP® will apply to all use cases. Use of terms (e.g., "account") on GS DAP® are for convenience only and does not imply any regulatory or legal status by such term.
Certain solutions and Institutional Services described herein are provided via our Marquee platform. The Marquee platform is for institutional and professional clients only. This site is for informational purposes only and does not constitute an offer to provide the Marquee platform services described, nor an offer to sell, or the solicitation of an offer to buy, any security. Some of the services and products described herein may not be available in certain jurisdictions or to certain types of clients. Please contact your Goldman Sachs sales representative with any questions. Any data or market information presented on the site is solely for illustrative purposes. There is no representation that any transaction can or could have been effected on such terms or at such prices. Please see https://www.goldmansachs.com/disclaimer/sec-div-disclaimers-for-electronic-comms.html for additional information.
Transaction Banking services are offered by Goldman Sachs Bank USA (“GS Bank”). GS Bank is a New York State chartered bank, a member of the Federal Reserve System and a Member FDIC.
Mosaic is a service mark of Goldman Sachs & Co. LLC. This service is made available in the United States by Goldman Sachs & Co. LLC and outside of the United States by Goldman Sachs International, or its local affiliates in accordance with applicable law and regulations. Goldman Sachs International and Goldman Sachs & Co. LLC are the distributors of the Goldman Sachs Funds. Depending upon the jurisdiction in which you are located, transactions in non-Goldman Sachs money market funds are affected by either Goldman Sachs & Co. LLC, a member of FINRA, SIPC and NYSE, or Goldman Sachs International. For additional information contact your Goldman Sachs representative. Goldman Sachs & Co. LLC, Goldman Sachs International, Goldman Sachs Liquidity Solutions, Goldman Sachs Asset Management, L.P., and the Goldman Sachs funds available through Goldman Sachs Liquidity Solutions and other affiliated entities, are under the common control of the Goldman Sachs Group, Inc.
© 2025 Goldman Sachs. All rights reserved.