Ach debit file layout

International ACH Transaction. Point of Purchase. A single ACH debit initiated by an originator based on an eligible source document provided at a point-of-purchase or manned bill payment location. Notification prior to acceptance of the check and written authorization required. Point of Sale. Initiated at an electronic terminal using merchant issued physical card or other access device.

Pre-arranged Payment or Deposit. A single or a recurring ACH credit or debit sent by an originator to a consumer account to make or collect a payment, where authorization is obtained in writing. Corporate to Consumer. Re-presented Check Entries. Originators can re-present a check that has been processed through the check collection system as a paper or image item, and returned because of insufficient or uncollected funds. Single Entry.

Telephone Initiated Entries. For Single, recorded oral authorization or written notice provided to the consumer confirming the oral authorization.

Credit WEB Entries: A Person-to-Person entry transmitted on behalf of one natural person to another natural person, or between accounts belonging to the same natural person.

Single Entry or Recurring Entry. An electronic authorization may meet the requirement that the authorization be in writing, provided that the authorization is displayed on a computer screen or other visual display that enables the consumer to read the communication.

The authorization must be readily identifiable as an authorization and must have clear and readily understandable terms.

They typically require an ACH Addenda record to help identify the tax payer, along with the details of the tax being paid. These addenda records are known as TXP, which is not an official SEC code, but a convention for the various tax addenda records.

Specifications around these TXP addenda is controlled by the individual taxing agency. There is much more detail as to the specific requirements and contents of these fields.

Field Number. Field Name. Position in Record. Data Required? Record Type Code. Always "1". Priority Code. Always " Immediate Destination. The nine-digit routing number of the institution receiving the ACH file for processing, preceded by a blank. Immediate Origin. The nine-digit routing transit number of the institution sending originating the ACH file, preceded by a blank.

File Creation Date. The date that the ACH file was created. File Creation Time. The time that the ACH file was created using a hour, military time format. File ID Modifier. A-Z, For a single processing day, each file submitted by the financial institution should have a unique ID to allow for thorough duplicate file identification. Record Size. Always "" because every record contains 94 characters. Blocking Factor. Always "10" because the blocking factor is Format Code.

Always "1. Immediate Destination Name. Name of the financial institution receiving the payment file. Immediate Origin Name. Name of the financial institution sending the payment file. Reference Code.

All payments within a single batch represent transactions for a single company or originator. There is also a unique trace number used to identify the Entry. It also includes a hash total i. This record contains various counts number of batches, number of entries, etc. ACH files have a blocking factor of ACH files are padded with lines of 9s, so that the number of lines in the file are a multiple of If the line count is already divisible by 10, no extra padding is needed.

The effective date is the date on which the Originator wants the transactions to occur. Each Originator must confirm a valid and correct effective date for the ACH file. ACH is not processed on weekends, or on specific federal holidays. An ODFI will have specific deadlines and processing dates around processing of transactions. An ODFI will also have specific contractual requirements for when a transaction is able to be processed based on the effective date, and what happens to a batch or file that has an invalid effective date.

It is recommended that pre-notifications are sent at least three business days prior to initiating a live authorized Entry. Also, it is recommended to initiate a pre-notification when any changes are made to an account number or financial institution.

The transaction code identifies a transaction as a debit or credit — and indicates the type of account to which the transaction is intended i. Effective date 3. Description or 'purpose' generic 'Payroll', 'Dues', etc As long as the records contain the same three pieces of information, they can be batched together.

The Batch Trailer provides record, amount and hash totals of the records contained in the batch. There is no limit as to the number of batches. Addendum Records Additional payment related information can be entered in one or more addendum records.

What's included in the addendum record? Detailed information regarding the payment. These abbreviations relate to an 'application' type, and help determine the detail record format.

ACH applications are classified as being either consumer or corporate payments, depending on the relationship between the parties. CTX - Corporate Trade Exchange Corporate Supports the transfer of funds debit or credit with another entity in which you have an existing trading relationship. What is the significance of the plus sign in the format, ie CCD vs. The plus sign merely indicates that there is an addendum record.

I want to pay my vendors with an ACH transaction.