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Appendix A : SEC Code Definitions
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The following definitions were taken from NACHA’s ACH Rules:
ARC - Accounts Receivable Truncated Check Debit
An ACH debit of a check received in the U.S. Mail and converted to an electronic item. The definition
of U.S. Mail includes mail delivered by the United States Postal Service as well as mail delivered via
courier service, including but limited to, federal Express, United Parcel Service, or other local courier
service and does not include items personally delivered or deposited in a merchants night drop.
These checks are not considered to have been delivered by U.S. Mail and are not eligible for
truncation. Corporate checks are not eligible for truncation.
BOC - Back Office Conversion Entries (effective March 16, 2007)
This Standard Entry Class code enables Originators, during back office processing, to convert to a
Single-Entry ACH debit an eligible check received at the point of purchase or manned bill payment
location for the in-person purchase of goods or services. The Receiver’s source document (i.e., the
check) is used to collect the Receiver’s routing number, account number, check serial number, and
dollar amount for the transaction. Authorization for a BOC entry is obtained through notice provided
by the Originator at the point of purchase or manned bill payment location and the Receiver’s going
forward with the transaction.
CBR - Corporate Cross-Border Payment (no longer supported September 18, 2009)
This Standard Entry Class Code is used for the transmission of corporate cross-border ACH credit
and debit entries. This SEC Code allows cross-border payments to be readily identified so that
financial institutions may apply special handling requirements for cross-border payments, as desired.
The CBR format accommodates detailed information unique to cross-border payments (e.g., foreign
exchange conversion, origination and destination currency, country codes, etc.).
CCD - Cash Concentration or Disbursement
An ACH debit or credit from or to a Business Account. Under the rules PPD transactions to a
business account are not a proper SEC Code and may be returned. Like PPD, proper authorization
from the owner of the target account is required.
ENR - Automated Enrollment Entry
This optional SEC Code allows a depository financial institution to transmit ACH enrollment
information to Federal Government Agencies via the ACH Network for future credit and debit
applications on behalf of both consumers and companies.
IAT – International ACH Transaction
Effective September 18, 2009, this Standard Entry Class Code is used for the transmission of credit
entries that are part of a payment transaction involving a financial agency’s office that is not located in
the territorial jurisdiction of the United States. Transactions can only be initiated to Mexico via the
ACHNow Application at this time.
PBR - Consumer Cross-Border Payment (no longer supported September 18, 2009)
This Standard Entry Class Code is used for the transmission of consumer cross-border ACH credit
and debit entries. This SEC Code allows cross-border payments to be readily identified so that
financial institutions may apply special handling requirements for cross-border payments, as desired.
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