Code | Name | Description | Account/Market Type | Transaction Type | Credit/Debit |
---|---|---|---|---|---|
ACK | Acknowledgment Entries | Identifies an acknowledgment of RDFI receipt of corporate credit payments originated using the CCD format. | Non-Consumer | N/A | N/A |
ATX | Financial EDI Acknowledgment | Identifies an acknowledgment of RDFI receipt of corporate credit payments originated using the CTX format. | Non-Consumer | N/A | N/A |
ARC* | Accounts Receivable Entry | A single debit entry to an account initiated for purchases or payments that are made in person, via US mail, or payment in a dropbox. | Consumer or Non-Consumer Mail Order or Retail | Single Entry | Debit Only |
BOC* | Back Office Conversion Entry | A single debit entry to an account for in-person purchases or payments Check is not returned to check writer. | Consumer or Non-Consumer Retail | Single Entry | Debit Only |
CCD* | Corporate Credit/Debit Entry | Funds transferred between unrelated corporate entities or transferred as intra-company cash concentration and disbursement transactions.Proof of Authorization for transactions ran on the web using CCD will adhere to the same requirements as a web transaction. | Non-Consumer Retail, Phone Order, Ecommerce, and Mail Order | Single or Recurring Entry | Credit/Debit |
CIE** | Customer-Initiated Entry | A single credit entry initiated by a consumer (originator) to a non-consumer account. CIE is a credit push to a merchant, typically used by a financial institutions or a bill pay service and would be not be Originated by a merchant. | Consumer | Single Entry | Credit Only |
COR | Notification of Change or Refused Notification of Change | This Code is used by an RDFI or ODFI when originating a Notification of Change or Refused Notification of Change in automated format. It is also used by the ACH operator that converts paper Notifications of Change to automated format. | Consumer or Non-Consumer | N/A | N/A |
CTX | Corporate Trade Exchange | Funds are transferred between trading partners with a full ANSI ASC X12 message or payment related UN/EDIFACT information is sent with the transfer. | Non-Consumer or Retail | Single or Recurring Entry | Credit/Debit |
DNE | Death Notification Entry | A non-monetary entry from a Federal Government agency. Notifies the Financial Institution that the recipient of a government benefit has passed away. | Consumer | N/A | N/A |
ENR | Automated Enrollment Entry | A Non-Monetary Entry that triggers the origination of ACH credit or debit transactions to the account holder at the DFI. The ENR process allows DFIs to transmit information to Federal agencies, on behalf of account holders, that serves as enrollment for either ACH credit or debit activity. | Non-Consumer (Federal Government Agency) | N/A | N/A |
IAT** | International ACH Transaction | Credit or Debit Entry is part of a payment transaction involving a financial agency’s office not located within the territorial jurisdiction of the United States. NOTE: This SEC code is implemented only for very specific merchants and is not generally available. | Consumer or Non-Consumer | Single or Recurring Entry | Credit/Debit |
MTE** | Machine Transfer Entry | The ACH Network supports the clearing of transactions from automated teller machines, i.e., Machine Transfer Entries (MTE). | Consumer | Single Entry | Credit/Debit |
POP* | Point-of-Purchase Entry | A single debit entry to an account for in-person purchases or payments. Check is voided by merchant and returned to check writer. | Consumer or Non-Consumer Retail | Single Entry | Debit Only |
PPD* | Prearranged Payment and Deposit Entry | Credit - A single or recurring credit transaction for payment of payroll, expense reimbursement, dividends, retirement, interest, etc. Debit - A single or recurring debit transaction for collection of fixed or variable amounts for loan and mortgage payments, utilities, insurance, tuition, contributions, etc. NOTE: IntelliPay uses this code as the default value for SEC code parameters when REST API and AGI requests do not specify a value. | Consumer, Mail Order and Retail | Single or Recurring Entry | Credit/Debit |
RCK* | Re-Presented Check Entry | Re-presentment of check processed through the check collection system for insufficient or uncollected funds. Check returned NSF or uncollected funds represented electronically. | Consumer, Mail Order and Retail | Single Entry | Debit Only |
TEL* | Telephone-Initiated Entry | A single or recurring debit transaction initiated orally via the telephone. Authorization must be recorded. | Consumer and Phone Order | Single or Recurring Entry | Debit Only |
TRC | Truncated Entry | Entry (debit) initiated under a Check Truncation Program. A single check drawn on paying bank. | Consumer or Non-Consumer | Single Entry | Debit Only |
TRX | Truncated Entries Exchange | Entry (debit) initiated under a Check Truncation Program. Multiple checks drawn on same paying bank. | Consumer or Non-Consumer | Single Entry | Debit Only |
WEB* | Internet-Initiated Entry | Credit - A single or recurring credit transaction from the account of a natural person to the account of a natural person. Cannot be used for business-to-consumer transactions. Debit - A single or recurring debit transaction initiated during a secure internet or mobile session. NOTE: This SEC code is the default value for IntelliPay OPP and lightbox | Consumer - E commerce | Single or Recurring Entry | Credit or Debit |
XCK | Destroyed Check Entry | Single entry for collecting lost/destroyed checks, OR a check that is damaged so that a processable image cannot be made OR the check image is un-processable. XCK is for bank use only. | Consumer or Non-Consumer | Single Entry | Debit Only |