Daily ACH payments

1min

The purpose of this document is to explain the Daily ACH Payment File Drop By Partner report.
Using the Cross River Operating System (COS) ACH API, your account can both originate and receive payments through an ACH Operator. The information required for a payment varies depending on the relevant SEC code and is governed by NACHA Operating Rules and Guidelines. Required information will also vary for domestic or international payments.
ACH files are received daily from both Cross River Bank’s clients (originators) and the Federal Reserve Bank (FRB). The files are automatically imported into CRB’s ACH manager, systematically validated for correctness, and then verified for release to the FRB for via a two-stage process of review with authorization.
The table below provides information for some of the fields within your report. For information on NACHA-specific fields please refer to your copy of the NACHA Operating Rules.
Column
Description
AccountNumber
COS account number related to the payment.
ReferenceId
A unique ID for the payment.
PaymentType
The type of payment, which includes:
Origination: A new payment originating from either Cross River or another bank. Most payments are of this type.
Return: Related to a previous origination that has been returned by the receiving bank.
DishonoredReturn: Related to a previous return, that has been dishonored by the receiving bank.
Correction: 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).
ServiceType
The type of ACH service, which includes:
Standard: Payment will be effective the following day. International payments must use this type.
SameDay: Payment will be effective the same day it was originated provided it was originated before the daily cutoff time. Not available for certain payment scenarios.
TransactionType
The payment transaction type, which includes:
Push: a credit payment being sent from an originator to a receiver, or
Pull: a debit payment taken from a receiver and moved to the originator.
Direction
The payment direction, which includes:
Inbound: payment received from another bank.
Outbound: a payment sent to another bank.
Status
The status of the payment at the time the report was generated. Statuses include:
Created: the payment has been received but hasn’t been processed yet. This status will only appear briefly.
Pending: the payment is waiting to be batched and sent to the FRB.
Hold: the payment is currently being held and is being reviewed by CRB’s Operations team.
Batched: the payment has been batched, and CRB is carrying out a final review before the payment is sent in a batch file to the FRB.
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 FRB, but has not been 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.
Complete: the payment has been posted and accepted by the FRB (in the case of outbound payments). This is a final status.
Canceled: Indicates that an outbound payment has been canceled at the Partner’s request. A payment can only be canceled while either pending or on hold. This is a final status.
Rejected: CRB’s Operations team was unable to process the payment and has rejected it. For inbound payments, the payment request is returned to the originating bank. This is a final status.
SecCode
The Standard Entry Class (SEC) code for the payment.
ClientBatchId
Unique identifier for a batch (GUID). This only applies to partners that originate client batches.
ClientBatchSequence
Sequence number of the payment in the batch. This only applies to partners that originate client batches.
FedBatchId
ID of the Federal Reserve batch on which the payment went out or came in.
FedBatchSequence
Sequence number of the payment in the Federal Reserve batch on which the payment went out or came in.
Posting
Status of the related Core transaction for the payment. Can be pending, posted, or failed.
CoreTransactionId
The ACH payment’s related core transaction ID.
Description
Company entry description.
Amount
The transaction amount.
EffectiveDate
Effective Entry Date.
Addenda
Payment-related information.
ReasonCode
Code for the reason for an ACH return or notification of change.
ReasonData
Supporting data for the reason code.
TraceNumber
This corresponds to the NACHA “Trace Number” field and is a unique number assigned to the transaction.
SettlementDate
Corresponds to the NACHA “Settlement Date” field.
CreatedAt
The date and time the payment was created.
CanceledAt
The date and time the payment was canceled.
RejectedAt
The date and time the payment was rejected.
ProcessedAt
The date and time the payment was processed.
CompletedAt
The date and time the payment was completed.
PostedAt
The date and time the transaction was posted, specifically at end of day settlement.
PartnerId
The unique identification number for the partner resource.
ProductId
The product identifier for the account involved in the ACH payment.
OriginatingBankRoutingNumber
The ABA number for the bank where the transfer originated.
OriginatorName
This corresponds to the NACHA “Company Name” field name of the originator of the ACH transaction.
OriginatorAccountNumber
This is the account number where the transaction originated from.
OriginatorAccountType
This is the type of account the transaction originated from.
OriginatorData
This corresponds to the NACHA “Company Discretionary Data” field.
OriginatorIdentification
This corresponds to the NACHA “Company Identification” field.
ReceiverName
This corresponds to the NACHA “Individual Name” field.
ReceiverAccountNumber
This corresponds to the NACHA “DFI Account Number” field.
ReceiverAccountType
This corresponds to the NACHA “Transaction Code” field.
ReceiverData
This corresponds to the NACHA “Discretionary Data” field.
ReceiverIdentification
This corresponds to the NACHA “Individual Identification Number” field.
ReceivingBankRoutingNumber
This field corresponds to the NACHA “Receiving DFI Identification” field.
UltReceiverAccountNumber
The ultimate receiver’s account number.
UltReceiverAccountType
The ultimate receiver’s account type.
UltReceiverData
Data for the ultimate receiver.
UltReceiverIdentification
The ultimate receiver’s identification.
Fcb1RoutingNumber
Foreign corresponding bank 1 routing number.
Fcb2RoutingNumber
Foreign corresponding bank 2 routing number.
Fcb3RoutingNumber
Foreign corresponding bank 3 routing number.
PostingCode
Status for the payment’s related Core transaction.
PreviousPaymentId
Payment ID for the original payment related to a return or NOC that we received.
PreviousReasonCode
The reason code for the original payment related to a return or NOC that we received.
PreviousTraceNumber
Trace number for the original payment related to a return or NOC that we received.
PreviousSettlementDate
Settlement Date for the original payment related to a return or NOC that we received.
PreviousReasonData
Supporting data for the reason code for the original payment related to a return or NOC that we received.
OriginalPaymentId
Payment ID for the original payment related to a return that we received for dishonored returns.
OriginalReasonCode
The reason code for the original payment related to a return that we received for dishonored returns.
OriginalTraceNumber
Trace number for the original payment related to a return that we received for dishonored returns.
OriginalSettlementDate
Settlement Date for the original payment related to a return that we received for dishonored returns.
OriginalReasonData
Supporting data for the reason code for the original payment related to a return that we received for dishonored returns.
OriginatorRoutingNumber
This corresponds to the NACHA “Originating DFI Identification” field.
ReceiverRoutingNumber
The receiver’s routing number.
ExtCardTransactionType
(Extended payment details) – NACHA-specific
ExtReference1
(Extended payment details) – NACHA-specific
ExtReference2
(Extended payment details) – NACHA-specific
ExtTerminalIdentification
(Extended payment details) – NACHA-specific
ExtTransactionSerial
(Extended payment details) – NACHA-specific
ExtTransactionDate
(Extended payment details) – NACHA-specific
ExtAuthCode
(Extended payment details) – NACHA-specific
ExtTerminalLocation
(Extended payment details) – NACHA-specific
ExtTerminalCity
(Extended payment details) – NACHA-specific
ExtTerminalState
(Extended payment details) – NACHA-specific
Fields beginning with Iat only apply to International ACH Transactions.
IatTransactionTypeCode
Code for the transaction type of the international transaction.
IatOriginatorAddress
Street address of the originator of the international transaction.
IatOriginatorCity
The city of the originator of the international transaction.
IatOriginatorState
The state of the originator of the international transaction.
IatOriginatorPostalCode
The zip/post code of the originator of the international transaction.
IatOriginatorCountryCode
The country code of the originator of the international transaction.
IatReceiverAddress
The street address of the receiver of the international transaction.
IatReceiverCity
The city of the receiver of the international transaction.
IatReceiverState
The state of the receiver of the international transaction.
IatReceiverPostalCode
The zip/post code of the receiver of the international transaction.
IatReceiverCountryCode
The country code of the receiver of the international transaction.
IatOriginatingBankName
The name of the bank where the transaction originated.
IatOriginatingBankIdQualifier
The ID qualifier corresponds to the originating bank identification.
IatOriginatingBankIdentification
The identifier of the bank originating the international transaction.
IatOriginatingBankCountryCode
The country code of the bank where the international transaction originated.
IatReceivingBankName
The name of the bank where the international transaction was received.
IatReceivingBankIdQualifier
The ID qualifier corresponding to the receiving bank identification.
IatReceivingBankIdentification
The identifier of the bank receiving the international transaction.
IatReceivingBankCountryCode
The country code of the bank receiving the international transaction.
IatUltReceiverName
The ultimate receiver’s name.
IatUltReceiverAddress
The ultimate receiver’s street address.
IatUltReceiverCity
The ultimate receiver’s city.
IatUltReceiverState
The ultimate receiver’s state.
IatUltReceiverPostalCode
The ultimate receiver’s postal code.
IatUltReceiverCountryCode
The ultimate receiver’s country code.
IatFcb1Name
The name of the first foreign correspondent bank.
IatFcb1IdQualifier
The ID qualifier for the first foreign correspondent bank.
IatFcb1Identification
The first foreign correspondent bank’s identification.
IatFcb1CountryCode
The first foreign correspondent bank’s country code.
IatFcb2Name
The name of the second foreign correspondent bank.
IatFcb2IdQualifier
The ID qualifier for the second foreign correspondent bank.
IatFcb2Identification
The second foreign correspondent bank’s identification.
IatFcb2CountryCode
The second foreign correspondent bank’s country code.
IatFcb3Name
The name of the third foreign correspondent bank.
IatFcb3IdQualifier
The ID qualifier for the third foreign correspondent bank.
IatFcb3Identification
The third foreign correspondent bank’s identification.
IatFcb3CountryCode
The third foreign correspondent bank’s country code.
ExtPaymentType 
(Extended payment details) – NACHA-specific
InsertedAt
This is internal to CRB and can be disregarded.
ExtProcessControl
(Extended payment details) – NACHA-specific
ExtResearchNumber
(Extended payment details) – NACHA-specific
Purpose
Internal reason for the payment. This is an internal field and is not included in the payment message.
ExtCheckSerialNumber
(Extended payment details) – NACHA-specific
ExtItemType
(Extended payment details) – NACHA-specific
ExtCardAccountNumber
(Extended payment details) – NACHA-specific
ExtCardExpDate
(Extended payment details) – NACHA-specific
ExtDocReferenceNumber
(Extended payment details) – NACHA-specific
ExtNetworkIdentification
(Extended payment details) – NACHA-specific
ExtTransactionTime
(Extended payment details) – NACHA-specific
ExtTransactionDesc
(Extended payment details) – NACHA-specific
MemoPostId
Unique ID for the memo post transaction.
WasReturned
Indicates whether the payment was returned.
WasCorrected
Indicates whether the payment was corrected.
HoldDays
The number of days a credit was withheld (where applicable; for Outbound Pull payments only).
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Column	Description
AccountNumber	COS account number related to the payment.
ReferenceId	A unique ID for the payment.
PaymentType	The type of payment, which includes: Origination: A new payment originating from either Cross River or another bank. Most payments are of this type. Return: Related to a previous origination that has been returned by the receiving bank. DishonoredReturn: Related to a previous return, that has been dishonored by the receiving bank. Correction: 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).
ServiceType	The type of ACH service, which includes: Standard: Payment will be effective the following day. International payments must use this type. SameDay: Payment will be effective the same day it was originated provided it was originated before the daily cutoff time. Not available for certain payment scenarios.
TransactionType	The payment transaction type, which includes: Push: a credit payment being sent from an originator to a receiver, or Pull: a debit payment taken from a receiver and moved to the originator.
Direction	The payment direction, which includes: Inbound: payment received from another bank. Outbound: a payment sent to another bank.
Status	The status of the payment at the time the report was generated. Statuses include: Created: the payment has been received but hasn’t been processed yet. This status will only appear briefly. Pending: the payment is waiting to be batched and sent to the FRB. Hold: the payment is currently being held and is being reviewed by CRB’s Operations team. Batched: the payment has been batched, and CRB is carrying out a final review before the payment is sent in a batch file to the FRB. 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 FRB, but has not been 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. Complete: the payment has been posted and accepted by the FRB (in the case of outbound payments). This is a final status. Canceled: Indicates that an outbound payment has been canceled at the Partner’s request. A payment can only be canceled while either pending or on hold. This is a final status. Rejected: CRB’s Operations team was unable to process the payment and has rejected it. For inbound payments, the payment request is returned to the originating bank. This is a final status.
SecCode	The Standard Entry Class (SEC) code for the payment.
ClientBatchId	Unique identifier for a batch (GUID). This only applies to partners that originate client batches.
ClientBatchSequence	Sequence number of the payment in the batch. This only applies to partners that originate client batches.
FedBatchId	ID of the Federal Reserve batch on which the payment went out or came in.
FedBatchSequence	Sequence number of the payment in the Federal Reserve batch on which the payment went out or came in.
Posting	Status of the related Core transaction for the payment. Can be pending, posted, or failed.
CoreTransactionId	The ACH payment’s related core transaction ID.
Description	Company entry description.
Amount	The transaction amount.
EffectiveDate	Effective Entry Date.
Addenda	Payment-related information.
ReasonCode	Code for the reason for an ACH return or notification of change.
ReasonData	Supporting data for the reason code.
TraceNumber	This corresponds to the NACHA “Trace Number” field and is a unique number assigned to the transaction.
SettlementDate	Corresponds to the NACHA “Settlement Date” field.
CreatedAt	The date and time the payment was created.
CanceledAt	The date and time the payment was canceled.
RejectedAt	The date and time the payment was rejected.
ProcessedAt	The date and time the payment was processed.
CompletedAt	The date and time the payment was completed.
PostedAt	The date and time the transaction was posted, specifically at end of day settlement.
PartnerId	The unique identification number for the partner resource.
ProductId	The product identifier for the account involved in the ACH payment.
OriginatingBankRoutingNumber	The ABA number for the bank where the transfer originated.
OriginatorName	This corresponds to the NACHA “Company Name” field name of the originator of the ACH transaction.
OriginatorAccountNumber	This is the account number where the transaction originated from.
OriginatorAccountType	This is the type of account the transaction originated from.
OriginatorData	This corresponds to the NACHA “Company Discretionary Data” field.
OriginatorIdentification	This corresponds to the NACHA “Company Identification” field.
ReceiverName	This corresponds to the NACHA “Individual Name” field.
ReceiverAccountNumber	This corresponds to the NACHA “DFI Account Number” field.
ReceiverAccountType	This corresponds to the NACHA “Transaction Code” field.
ReceiverData	This corresponds to the NACHA “Discretionary Data” field.
ReceiverIdentification	This corresponds to the NACHA “Individual Identification Number” field.
ReceivingBankRoutingNumber	This field corresponds to the NACHA “Receiving DFI Identification” field.
UltReceiverAccountNumber	The ultimate receiver’s account number.
UltReceiverAccountType	The ultimate receiver’s account type.
UltReceiverData	Data for the ultimate receiver.
UltReceiverIdentification	The ultimate receiver’s identification.
Fcb1RoutingNumber	Foreign corresponding bank 1 routing number.
Fcb2RoutingNumber	Foreign corresponding bank 2 routing number.
Fcb3RoutingNumber	Foreign corresponding bank 3 routing number.
PostingCode	Status for the payment’s related Core transaction.
PreviousPaymentId	Payment ID for the original payment related to a return or NOC that we received.
PreviousReasonCode	The reason code for the original payment related to a return or NOC that we received.
PreviousTraceNumber	Trace number for the original payment related to a return or NOC that we received.
PreviousSettlementDate	Settlement Date for the original payment related to a return or NOC that we received.
PreviousReasonData	Supporting data for the reason code for the original payment related to a return or NOC that we received.
OriginalPaymentId	Payment ID for the original payment related to a return that we received for dishonored returns.
OriginalReasonCode	The reason code for the original payment related to a return that we received for dishonored returns.
OriginalTraceNumber	Trace number for the original payment related to a return that we received for dishonored returns.
OriginalSettlementDate	Settlement Date for the original payment related to a return that we received for dishonored returns.
OriginalReasonData	Supporting data for the reason code for the original payment related to a return that we received for dishonored returns.
OriginatorRoutingNumber	This corresponds to the NACHA “Originating DFI Identification” field.
ReceiverRoutingNumber	The receiver’s routing number.
ExtCardTransactionType	(Extended payment details) – NACHA-specific
ExtReference1	(Extended payment details) – NACHA-specific
ExtReference2	(Extended payment details) – NACHA-specific
ExtTerminalIdentification	(Extended payment details) – NACHA-specific
ExtTransactionSerial	(Extended payment details) – NACHA-specific
ExtTransactionDate	(Extended payment details) – NACHA-specific
ExtAuthCode	(Extended payment details) – NACHA-specific
ExtTerminalLocation	(Extended payment details) – NACHA-specific
ExtTerminalCity	(Extended payment details) – NACHA-specific
ExtTerminalState	(Extended payment details) – NACHA-specific
Fields beginning with Iat only apply to International ACH Transactions.
IatTransactionTypeCode	Code for the transaction type of the international transaction.
IatOriginatorAddress	Street address of the originator of the international transaction.
IatOriginatorCity	The city of the originator of the international transaction.
IatOriginatorState	The state of the originator of the international transaction.
IatOriginatorPostalCode	The zip/post code of the originator of the international transaction.
IatOriginatorCountryCode	The country code of the originator of the international transaction.
IatReceiverAddress	The street address of the receiver of the international transaction.
IatReceiverCity	The city of the receiver of the international transaction.
IatReceiverState	The state of the receiver of the international transaction.
IatReceiverPostalCode	The zip/post code of the receiver of the international transaction.
IatReceiverCountryCode	The country code of the receiver of the international transaction.
IatOriginatingBankName	The name of the bank where the transaction originated.
IatOriginatingBankIdQualifier	The ID qualifier corresponds to the originating bank identification.
IatOriginatingBankIdentification	The identifier of the bank originating the international transaction.
IatOriginatingBankCountryCode	The country code of the bank where the international transaction originated.
IatReceivingBankName	The name of the bank where the international transaction was received.
IatReceivingBankIdQualifier	The ID qualifier corresponding to the receiving bank identification.
IatReceivingBankIdentification	The identifier of the bank receiving the international transaction.
IatReceivingBankCountryCode	The country code of the bank receiving the international transaction.
IatUltReceiverName	The ultimate receiver’s name.
IatUltReceiverAddress	The ultimate receiver’s street address.
IatUltReceiverCity	The ultimate receiver’s city.
IatUltReceiverState	The ultimate receiver’s state.
IatUltReceiverPostalCode	The ultimate receiver’s postal code.
IatUltReceiverCountryCode	The ultimate receiver’s country code.
IatFcb1Name	The name of the first foreign correspondent bank.
IatFcb1IdQualifier	The ID qualifier for the first foreign correspondent bank.
IatFcb1Identification	The first foreign correspondent bank’s identification.
IatFcb1CountryCode	The first foreign correspondent bank’s country code.
IatFcb2Name	The name of the second foreign correspondent bank.
IatFcb2IdQualifier	The ID qualifier for the second foreign correspondent bank.
IatFcb2Identification	The second foreign correspondent bank’s identification.
IatFcb2CountryCode	The second foreign correspondent bank’s country code.
IatFcb3Name	The name of the third foreign correspondent bank.
IatFcb3IdQualifier	The ID qualifier for the third foreign correspondent bank.
IatFcb3Identification	The third foreign correspondent bank’s identification.
IatFcb3CountryCode	The third foreign correspondent bank’s country code.
ExtPaymentType	(Extended payment details) – NACHA-specific
InsertedAt	This is internal to CRB and can be disregarded.
ExtProcessControl	(Extended payment details) – NACHA-specific
ExtResearchNumber	(Extended payment details) – NACHA-specific
Purpose	Internal reason for the payment. This is an internal field and is not included in the payment message.
ExtCheckSerialNumber	(Extended payment details) – NACHA-specific
ExtItemType	(Extended payment details) – NACHA-specific
ExtCardAccountNumber	(Extended payment details) – NACHA-specific
ExtCardExpDate	(Extended payment details) – NACHA-specific
ExtDocReferenceNumber	(Extended payment details) – NACHA-specific
ExtNetworkIdentification	(Extended payment details) – NACHA-specific
ExtTransactionTime	(Extended payment details) – NACHA-specific
ExtTransactionDesc	(Extended payment details) – NACHA-specific
MemoPostId	Unique ID for the memo post transaction.
WasReturned	Indicates whether the payment was returned.
WasCorrected	Indicates whether the payment was corrected.
HoldDays	The number of days a credit was withheld (where applicable; for Outbound Pull payments only).

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Updated 29 Sep 2024

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