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ACH Transaction Origin Types
ARC:
Accounts Receivable Entry – The alphabetic
mnemonic to identify a Single Entry debit entry
initiated by an Originator to a Consumer Account of
the Receiver pursuant to a source document, as set
forth in subsection 2.9.1 (Source Documents),
provided to the Originator by the Receiver via the
U.S. mail or at a drop box location.
CCD:
Cash Concentration or Disbursement – The
alphabetic mnemonic to identify debits and credits
initiated by an Originator to consolidate funds of
such Originator from its branches, franchises or
agents, or from other organizations or to fund the
accounts of its branches, franchises or agents, or
of other organizations. A CCD entry may be
accompanied by one Addenda Record that relays
information in payment related ANSI ASC X12 data
segments or NACHA-endorsed banking conventions.
CTX:
Corporate Trade Exchange – The alphabetic
mnemonic to identify credit or debit entries
originated by an Originator to pay or collect an
obligation of such Originator and destined for the
account of another organization. CTX entries may be
accompanied by Addenda Records that relay
information formatted in accordance with ANSI ASC
X12.5 and X12.6 syntax, an ASC X12 transaction set
containing a BPR or BPS data segment, or payment
related UN/EDIFACT syntax.
PPD:
Prearranged Payment and Deposit Entry – The
alphabetic mnemonic to identify credit or debit
entries (other than MTE or POS entries) initiated by
an Originator (usually a business entity) pursuant
to a standing or single entry authorization from its
customer or employee (usually, in the case of debit
entries, to pay an obligation owed by such
customer). A PPD entry may be accompanied by one
Addenda Record that relays information using payment
related ANSI ASC X12 data segments or NACHA endorsed
banking conventions.
RCK:
Re-presented Check Entry – The alphabetic
mnemonic to identify a debit entry constituting a
presentment notice of an item eligible under Article
Two, section 2.8 (Re-presented Check Entries).
[The alphabetic mnemonic to identify a Single Entry
debit constituting a presentment notice of an item
eligible under Article Two, Section 2.8
(Re-presented Check Entries).] An RCK entry is
an item as defined by Revised Article 4 of the
Uniform Commercial Code (1990 Official Text) only
for the limited purposes of presentment as set forth
in Article 4-110(c) and notice of dishonor as set
forth in Article 4-301(a)(2).
TEL:
Telephone-Initiated Entry – The alphabetic
mnemonic to identify a Single-Entry debit initiated
by an Originator pursuant to an oral authorization
obtained over the telephone to effect a transfer of
funds from a Consumer Account of the Receiver. This
type of entry may only be used for a Single Entry
for which there is no standing authorization for the
origination of ACH entries to the Receiver’s
account. A TEL entry may only be used when there is
an Existing Relationship between the Originator and
the Receiver, or, when there is not an Existing
Relationship between the Originator and the
Receiver, when the Receiver initiates the telephone
call.
WEB:
Internet-Initiated Entry – The alphabetic
mnemonic to identify debit entries initiated by an
Originator pursuant to an authorization that is
obtained from the Receiver via the Internet to
effect a transfer of funds from a Consumer Account
of the Receiver.
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