ACH Standard Entry Class Codes

(Click the Acronym for more information on the SEC code and for authorization requirements)

WEB – Website-originated debit initiated by the customer
PPD – Personal account debit entered through the online virtual terminal
CCD – Business account debit entered through the online virtual terminal
TEL – Telephone-originated payment (information provided by the customer over the phone)
POP – Point of purchase (i.e. cash register)
BOC – Back office conversion (paper checks converted into electronic transfers)
ARC – Accounts receivable checks converted into ACH transactions
RCK – Returned check item (“bounced” checks are run through the ACH process in an attempt to collect payment)