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ACH eCheck Payment Applications

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    The ACH Network supports a variety of payment applications from different vendors. An Originator initiating entries into the system will code the entries in a manner to indicate the type of payment, such as a debit or credit, and whether an entry is a corporate or consumer. The ACH application is recognized by a three digit code or an Standard Entry Class Code (SEC) code. This SEC code appears on the record format. It identifies the specific record format that will be used to carry the payment and the related payment information. Here is a list of entry class codes.

    ARC - Accounts Receivable Entry
    CIE - Customer Initiated Entry
    MTE - Machine Transfer Entry
    PBR - Consumer Cross-Border
    POP - Point of Purchase
    PPD - Prearranged Payment and Deposit
    POS - Point of Sale
    RCK - Represented Check
    TEL - Telephone Initiated Entry
    WEB - Internet Initiated Entry
    CBR - Corporate Cross Border Payment
    CCD - Cash Concentration or Disbursement
    CTX - Corporate Trade Exchange
    ACK - Acknowledgement Entries
    ADV - Automated Accounting Advice
    COR - Automated Notification of Change
    DNE - Death Notification of Change
    ENR - Automated Enrollment Entry
    TRC - Truncated Entries
    XCK - Destroyed Check Entry