Sec Codes

ARC - Accounts Receivable Truncated Check Debit
Non-Retail Check Conversion. 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
Back Office Conversion is the standard entry class code for checks that are written at a payment location for goods or services, and converted from paper to electronic debit later at a centralized location. Checks converted under BOC are securely stored by the merchant until destroyed.

CCD - Cash Concentration or Disbursement
Business to Business. 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.

POP - Point-Of-Purchase
Point of Sale. Used as an ACH debit application as a method of payment for the in-person purchase of goods or services by consumers. These non-recurring debit entries are initiated by the Originator based on a written authorization and account information drawn from the source document (a check) obtained from the consumer at the point of purchase. - Also known as ECC (Electronic Check Conversion)

PPD - Prearranged Payment and Deposit
Direct Deposit
Business to Consumer. A Credit application that transfers funds into a consumer account at the Receiving Depository Financial Institution. The funds being deposited can represent a variety of products, such as payroll, interest, pension, dividends, etc.
Preauthorized Bill Payment
Business to Consumer. A Debit application. Companies with billing operations may participate in the ACH through the electronic transfer (direct debit) of bill payment entries. Through standing authorizations, the consumer grants the authority to initiate one time or periodic charges to his or her account as bills become due.

TEL - Telephone-Initiated Entry
Check by Phone. For single entry debit transactions to a consumer's account pursuant to an oral authorization obtained from the consumer via telephone. This type of transaction may only be used when there is no standing authorization for the origination of ACH entries to the receivers account and may only be originated when there is either (1) an existing relationship between the Originator and the Receiver, or (2) no existing relationship between the Originator and the Receiver, but the Receiver has initiated the telephone call.

WEB - Internet-Initiated Entry
Internet Check from a Website. A debit entry to a Consumer Account initiated by an Originator pursuant to an authorization that is obtained from the receiver via the Internet. There are two components of the definition that are important to address:

  • the WEB SECC is only appropriate to use when initiating debit entries that have been authorized by the receiver via the Internet. An authorization that was obtained from the receiver in person, through the mail, or over the telephone in order to effectuate an Internet payment is not to be initiated as a WEB transaction.
  • credit entries cannot be initiated except for reversals of WEB debit entries.


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