SEC codes

sec codes intro 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 common sec codes the table below explains common sec codes learn more about sec codes on the nacha website 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 request and response codes docid\ odtrp7arfnpqufegy4sfh gives 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