SEC codes
Understand 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.
Learn more about SEC codes on the Nacha website.
Common SEC codes
The table below explains common SEC codes.
Your Operations Support Team will guide you about which SEC code to use based on the use case you support.
Code | Name | Description | Type | Transaction Type | Credit/Debit |
|---|---|---|---|---|---|
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 placing the 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 made at the point-of-purchase. Check is not returned to check writer. | Consumer or Non-Consumer Retail | Single Entry | Debit only |
CCD | Corporate Credit/Debit Entry | Funds are transferred between unrelated corporate entities or transferred as intra-company cash concentration and disbursement transactions. | Non-Consumer | Single or Recurring Entry | Credit/Debit |
| | Proof of Authorization for transactions ran on the web using CCD will adhere to the same requirements as a web transaction. | 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 consumer-initiated credit entry, a credit push to a merchant, typically used by a financial institution's or third-party's 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 Standard Entry Class 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
| Used to transfer funds between a buyer's and a seller's bank accounts.
| Non-Consumer | Single or Recurring Entry | Credit/Debit |
DNE (Federal Govt. Agency Use Only) | 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 Government agencies, on behalf of their 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 that involves 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 |
POS | Point of Sale payments | A transaction made made with a debit card. The POS card transaction typegives further information about the exact transaction. | Consumer | Single Entry | Credit/Debit |
PPD | Prearranged Payment and Deposit Entry | A single or recurring credit transaction for payment of payroll, expense reimbursement, dividends, retirement, interest, etc. | Consumer | Single or Recurring Entry | Credit/Debit |
RCK | Re-presented Check Entry | A re-presented check entry with security measures in place. | Consumer
| Single Entry | Debit |
TEL | Telephone-Initiated Entry | A single or recurring debit transaction initiated orally via the telephone. | Consumer | Single or Recurring Entry | Debit |
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 (minimum 128-bit encryption) internet or mobile session. | Consumer Ecommerce | Single or Recurring Entry | Credit or Debit |