Bank rails
ACH

Request and response codes

11min

SEC Codes

A SEC code indicates the Standard Entry Class required by Nacha for every ACH transaction. When you originate an ACH payment by API, you enter this code in the secCode field of the request. The table below explains common SEC codes. Learn more about SEC codes on the Nacha website.

Which code should I use?

Your Operations Support Team will guide with this based on the use case you are trying to support.

Code

Description

CCD

Cash Concentration or Disbursement. Payments between corporate entities

IAT

International payments (payments with an international leg)

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 Government agencies, on behalf of their account holders, that serves as an enrollment for either ACH credit or debit activity.

POS

Point of Sale payments

PPD

Prearranged Payments to consumers

TEL

Payments initiated by telephone

WEB

Payments initiated via the internet

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Rejection codes

These codes are returned in the details of the Ach.Payment.Rejected webhook in the postingCode field.

Code

Description

ERR

General Error

RES

Account Restriction

NSF

Insufficient Funds

ANF

Account Not Found

CLS

Account Closed

INA

Account Inactive

DRM

Account Dormant

ESC

Account in escheatment

CHR

Account in charge-off status

STP

Stop payment active

Payment Types

This value appears in the paymentType field in ACH payment responses. The paymentType value tells you what kind of payment was sent. Do not confuse it with the extendedDetails.paymentType!

Type

Code

Description

Origination

0

A new payment originating from either Cross River or another bank. Most payments are of this type.

Return

1

Related to a previous origination that has been returned by the receiving bank.

DishonoredReturn

2

Related to a previous return, that has been dishonored by the receiving bank.

Contested return

3

Related to a previous origination. The receiving bank accepted the original payment but is now notifying you of information you should correct next time you send a payment to this receiver (e.g. use a different account number).

NOC

4

Notification of Change. The payment was sent with bad info but the receiving FI fixed it and sent back the information (NOC).

Refused NOC

5



Payment Status

Status

Description

Created

We have received the payment, but have not started processing it yet. This status should only appear briefly under normal circumstances.

Pending

The payment is waiting to be batched and sent to the Federal Reserve.

Hold

Payment is being held at the moment and reviewed by our Operations Team.

Batched

The payment has been batched is a final review is being done before we send it out in a file to the Federal Reserve.

Processing

For inbound payments, we are attempting to post the payment to the receiving account. For outbound payments, the payment has been sent to the Federal Reserve, but has not posted yet. An outbound standard payment may remain in this status for a day or more. Same day payments will transition to Complete soon after Processing.

Completed

The payment has been posted and accepted by the Federal Reserve (in the case of outbound payments). This is a final status.

Rejected

Our Operations Team wasn't able to process the payment and has rejected it. In the case of inbound, the payment has been returned to the originating bank. This is a final status.

Canceled

An outbound payment has been canceled at the request of the partner. A payment may only be canceled while either pending or on hold. This is a final status.

Blocked

The CR compliance team blocked the payment

Return Codes

Sometimes an ACH payment is returned by the receiving bank. A returnCode value appears in the details object of the extended Ach.Return.Received webhook event.

Code

Description

R01

Insufficient Funds

R02

Account closed

R03

No account or unable to locate account

R04

Invalid account number

R05

Unauthorized debit to consumer account

R06

Returned per ODFI's request

R07

Authorization revoked by customer

R08

Payment stopped or stop payment on item

R09

Uncollected funds

R10

Customer advises not authorized

R11

Customer Advises Entry Not in Accordance with the Terms of the Authorization

R12

Branch sold to another DFI

R13

Invalid ACH routing number

R14

Representment payee deceased or unable to continue in that capacity

R15

Beneficiary of account holder deceased

R16

Account frozen

R17

File record edit criteria

R18

Improper effective entry date

R19

Amount field error

R20

Non-transaction account

R21

Invalid company identification

R22

Invalid individual ID number

R23

Credit entry refused by receiver

R24

Duplicate entry

R25

Addenda error

R26

Mandatory field error

R27

Trace number error

R28

Routing number or check digit error

R29

Corporate customer advises not authorized

R30

RDFI not participant in check truncation program

R31

Permissible return entry

R32

RDFI nonsettlement

R33

Return of XCK entry

R34

Limited participation DFI

R35

Return of improper debit entry

R36

Return of improper credit entry

R37

Source Document Presented for Payment

R38

Stop payment on source document

R39

Improper Source Document

R40

Return of ENR

R41

Invalid Transaction Code

R42

Routing No. / Check Digit Error

R43

Invalid DFI Account No.

R44

Invalid Individual ID No.

R45

Invalid Individual / Company Name

R46

Invalid Representative Payee Indicator

R47

Duplicate Enrollment

R50

State Law Affecting RCK Acceptance

R51

Ineligible / Improper Item Related to RCK

R52

Stop Payment on Item Related to RCK

R53

Item and RCK Presented for Payment

R73

Timely Original Return

R74

Corrected Return

R75

Return Not Duplicate

R76

No Errors Found

R77

Non-Acceptance of R62

R80

IAT Coding Error

R81

Non-Participant in IAT Program

R82

Invalid Foreign RDFI Identification

R83

Foreign RDFI Unable to Settle

R84

Not Processed by Gateway

R85

Incorrectly Coded Outbound Int’l Payment

Dishonored Returns

Code

Description

R61

Misrouted return

R62

Return of Erroneous or Reversing Debit

R63

Incorrect dollar amount

R64

Incorrect individual identification

R65

Incorrect transaction code

R66

Incorrect company identification

R67

Duplicate return

R68

Untimely return

R69

Multiple errors

R70

Permissible return entry not accepted

R71

Misrouted Dishonored Return

R72

Untimely Dishonored Return

ACH Correction Codes

There are times when Cross River receives an ACH notification of change (NOC) related to an outbound payment. The reasonCode field in the extended Ach.Noc.Received webhook event provides the correction code indicating what information was wrong and needed to be changed for the payment to settle.

Code

Description

C01

Incorrect DFI Account Number

C02

Incorrect Routing Number

C03

Incorrect Routing Number and Incorrect DFI Number

C04

Incorrect Individual Name/Receiving Company Name

C05

Incorrect Transaction Code

C06

Incorrect DFI Account Number and Incorrect Transaction Code

C07

Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code

C08

Incorrect Receiving DFI Identification (IAT only)

C09

Incorrect Identification Number

C13

Addenda Format Error

C14

Incorrect SEC Code for Outbound International Payment

POS Card Transaction Types

Type

Description

01

Purchase of goods

02

Cash

03

Return Reversal

11

Purchase Reversal

12

Cash Reversal

13

Return

21

Adjustment

99

Misc. Transaction

IAT Transaction Types

When sending an IAT transaction, you must also supply a code for the transaction type in the iatDetails.transactionTypeCode field.

Code

Description

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

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

TEL

Telephone-Initiated Entry

WEB

Internet-Initiated Entry

Nacha Field Mappings

This table presents field names as they appear in a Nacha record and how they appear in CR APIs.

Nacha Record

Nacha Field

Cross River API Field

Batch

Company Name

Originator.Name

Batch

Company Discretionary Data

Originator.Data

Batch

Company Identification

Originator.Identification

Batch

Standard Entry Class Code

SecCode

Batch

Company Entry Description

Description

Batch

Company Descriptive Date

N/A

Batch

Effective Entry Date

EffectiveDate

Batch

Settlement Date

SettlementDate

Batch

Originator Status Code

N/A

Batch



Originating DFI Identification



Originator.RoutingNumber



Entry



Transaction Code



TransactionType / Receiver.AccountType



Entry



Receiving DFI Identification



Receiver.RoutingNumber

Entry

DFI Account Number

Receiver.AccountNumber

Entry

Amount

Amount

Entry

Individual Identification Number

Receiver.Identification

Entry

Individual Name

Receiver.Name

Entry

Discretionary Data

Receiver.Data /ExtendedDetails.PaymentType (WEB/TEL only)

Entry

Trace Number

TraceNumber

Addenda (05)

Payment Related Information

Addenda (only one informational addenda record is supported)



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Updated 25 Sep 2024
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