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.

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