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==SEC codes== Common Standard Entry Class (SEC) codes are as follows. {| class="wikitable" |- ! Code ! Name ! Description |- | align=center |ARC |''Accounts Receivable Conversion'' |A consumer check converted to a one-time ACH debit. The difference between an Accounts Receivable Conversion and Point of Purchase is that an Accounts Receivable Conversion may result from a check received by mail, whereas Point of Purchase must have been received in-person.<ref name='achdirect'>{{cite web|url=http://www.ach.com/ACH-Glossary.aspx |title=ACH Glossary |publisher=Ach.com |accessdate=October 24, 2012 |url-status=dead |archiveurl=https://web.archive.org/web/20121028164914/http://www.ach.com/ACH-Glossary.aspx |archivedate=October 28, 2012 }}</ref> |- | align=center |BOC |''Back Office Conversion'' |A single-entry debit, initiated either at the point-of-purchase or at a manned bill-payment location, to transfer funds through conversion to an ACH debit entry during back-office processing. Unlike Accounts Receivable Conversion entries, a Back Office Conversion requires that the customer be present and that the vendor post a notice that checks may be converted to Back Office Conversion ACH entries.<ref name='achrules'>{{cite web |url=http://www.witsends.com/products/check21/ach-comparison.htm |title=POP, ARC & BOC comparison |publisher=Witsends.com |date= |accessdate= January 8, 2012 |archive-url=https://web.archive.org/web/20120213235711/http://www.witsends.com/products/check21/ach-comparison.htm |archive-date= February 13, 2012 |url-status=dead }}</ref> |- | align=center |CCD |''Corporate Credit or Debit Entry'' |Used to consolidate and sweep cash funds within an entity's controlled accounts, or make/collect payments to/from other corporate entities. |- | align=center |CIE |''Customer Initiated Entries'' |Use is limited to credit applications where the consumer initiates the transfer of funds to a company for payment of funds owed to that company, typically through some type of home-banking product or [[payment service provider|bill payment service provider]].<ref name='ACH_101'>{{cite web|url=http://www.ippay.com/downloads/ACH_101.pdf|title=Understand the ACH Network: An ACH Primer|accessdate= November 26, 2013 |archive-url=https://web.archive.org/web/20130811022029/http://www.ippay.com/downloads/ACH_101.pdf|archive-date= August 11, 2013 |url-status=dead}}</ref> |- | align=center |CTX |''Corporate Trade Exchange'' |Transactions that include [[ASC X12]] or [[EDIFACT]] information.<ref name='achdirect' /> |- | align=center |DNE |''Death Notification Entry'' |Issued by the federal government. |- | align=center |IAT |''International ACH Transaction'' |This is a SEC code for cross-border payment traffic to replace the <abbr title="Consumer Cross-border Payment">PBR</abbr> and <abbr title="Corporate cross-border payment">CBR</abbr> codes. The code has been implemented since September 18, 2009.<ref name='digitaltransactions'>{{cite web|url=http://www.digitaltransactions.net/index.php/news/story/1868 |title=Nacha Moves Back IAT Deadline to Allow More Time for Testing |date= |accessdate= July 22, 2014 }}</ref> |- | align=center |POP |''Point of Purchase'' |A check presented in-person to a merchant for purchase is presented as an ACH entry instead of a physical check. |- | align=center |POS |''Point of Sale'' |A debit at an electronic terminal initiated by use of a plastic card. An example is using a debit card to purchase gas. |- | align=center |PPD |''Prearranged Payment and Deposits'' |Used to credit or debit a consumer account. Popularly used for payroll direct deposits and preauthorized bill payments. |- | align=center |RCK |''Represented Check Entries'' |When a physical check was presented and then returned because of [[Non-sufficient funds|insufficient funds]], it may be represented as an ACH entry. |- | align=center |TEL |''Telephone-Initiated Entry'' |Oral authorization by telephone to issue an ACH entry, such as checks by phone. While a Telephone-Initiated Entry is allowed for all inbound telephone orders, it is allowed outbound telephone solicitations only if a prior business arrangement with the customer has already been established. |- | align=center |WEB |''Web-Initiated Entry'' |Electronic authorization through the Internet in order to create an ACH entry. |- | align=center |XCK |''Destroyed Check Entry'' |If a physical check was destroyed because of a disaster, it can be presented as an ACH entry. |}
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