Reference

SEC Codes

The ACH API supports the following SEC codes:

Code

Description

CCD

Cash Concentration or Disbursement. Payments between corporate entites

IAT

International payments

POS

Point of Sale payments

PPD

Prearranged Payments to consumers

TEL

Payments initiated by telephone

WEB

Payments initiated via the internet

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Which code should I use?

Your operations support team will guide with this based on the use case you are trying to support.

Directions

Direction

Description

Inbound

Payment we received from another bank

Outbound

Payment we are sending to another bank

Service Types

Type

Description

Standard

Payment will be effective the following day. International payments must use this type.

SameDay

Payment will be effective the same day it was originated provided it was originated before the daily cutoff time. Not available for international payments or those that are over $100,000.

Transaction Types

Type

Description

Push

A credit payment being sent from an originator to a receiver

Pull

A debit payment being taken from a receiver and given to the originator.

Payment Types

Type

Description

Origination

A new payment originating from either Cross River or another bank. Most payments are of this type.

Return

Related to a previous origination that has been returned by the receiving bank.

DishonoredReturn

Related to a previous return, that has been dishonored by the receiving bank.

Correction

Related to a previous origination. The receiving bank accepted the original payment but is now notifying you of information you should correct next time you send a payment to this receiver (e.g. use a different account number)

Payment Status

Status

Description

Created

We have received the payment, but have not started processing it yet. This status should only appear briefly under normal circumstances.

Pending

The payment is waiting to be batched and sent to the Federal Reserve.

Hold

Payment is being held at the moment and reviewed by our operations team.

Batched

The payment has been batched is a final review is being done before we send it out in a file to the Federal Reserve.

Processing

For inbound payments, we are attempting to post the payment to the receiving account. For outbound payments, the payment has been sent to the Federal Reserve, but has not posted yet. An outbound standard payment may remain in this status for a day or more. Same day payments will transition to Complete soon after Processing.

Complete

The payment has been posted and accepted by the Federal Reserve (in the case of outbound payments). This is a final status.

Canceled

An outbound payment has be canceled at the request of the partner. A payment may only be canceled while either pending or on hold. This is a final status.

Rejected

Our operations team was unable to process the payment and has rejected it. In the case of inbound, the payment has been returned to the originating bank. This is a final status.

Return Codes

Code

Description

R01

Insuffcient Funds

R02

Account closed

R03

No account or unable to locate account

R04

Invalid account number

R05

Unauthorized debit to consumer account

R06

Returned per ODFI's request

R07

Authorization revoked by customer

R08

Payment stopped or stop payment on item

R09

Uncollected funds

R10

Customer advises not authorized

R11

Customer Advises Entry Not in Accordance with the Terms of the Authorization

R12

Branch sold to another DFI

R13

Invalid ACH routing number

R14

Representment payee deceased or unable to continue in that capacity

R15

Beneficiary of account holder deceased

R16

Account frozen

R17

File record edit criteria

R18

Improper effective entry date

R19

Amount field error

R20

Nontransaction account

R21

Invalid company identification

R22

Invalid individual ID number

R23

Credit entry refused by receiver

R24

Duplicate entry

R25

Addenda error

R26

Mandatory field error

R27

Trace number error

R28

Routing number or check digit error

R29

Corporate customer advises not authorized

R30

RDFI not participant in check truncation program

R31

Permissible return entry

R32

RDFI nonsettlement

R33

Return of XCK entry

R34

Limited participation DFI

R35

Return of improper debit entry

R36

Return of improper credit entry

R37

Source Document Presented for Payment

R38

Stop payment on source document

Dishonored Returns

Returns of returns :)

Code

Description

R61

Misrouted return

R62

Return of Erroneous or Reversing Debit

R63

Incorrect dollar amount

R64

Incorrect individual identification

R65

Incorrect transaction code

R66

Incorrect company identification

R67

Duplicate return

R68

Untimely return

R69

Multiple errors

R70

Permissible return entry not accepted

Correction Codes

Code

Description

C01

Incorrect DFI Account Number

C02

Incorrect Routing Number

C03

Incorrect Routing Number and Incorrect DFI Number

C04

Incorrect Individual Name/Receiving Company Name

C05

Incorrect Transaction Code

C06

Incorrect DFI Account Number and Incorrect Transaction Code

C07

Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code

C08

Incorrect Receiving DFI Identification (IAT only)

C09

Incorrect Identification Number

C13

Addenda Format Error

C14

Incorrect SEC Code for Outbound International Payment

POS Card Transaction Types

Type

Description

01

Purchase of goods

02

Cash

03

Return Reversal

11

Purchase Reversal

12

Cash Reversal

13

Return

21

Adjustment

99

Misc. Transaction

WEB Payment Types

Type

Description

S

Single payment

R

Recurring payment

IAT Transaction Types

Code

Description

ANN

BUS

DEP

LOA

MIS

MOR

PEN

REM

RLS

SAL

TAX

ARC

BOC

POS

RCK

TEL

WEB

IAT Identifcation Qualifiers

Qualifier

Description

01

Routing number

02

BIC

03

IBAN

Error Codes

Code

Description

1000

General exception

1001

Payment required

2000

General exception

2001

Invalid payment status

2002

Invalid posting status

2003

Payment cannot be canceled

2004

Account not found

2005

Payment must be outbound

2006

Payment must be inbound

2007

Payment must be an inbound origination

2008

Payment must be status completed or rejected to be corrected

2009

Invalid change code

2010

Payment must be an inbound return

2011

Payment must be an origination

2012

Payment must be status completed or rejected to be returned

2013

Payment must be status completed or rejected to be dishonored

2014

Invalid return code

2015

Invalid dishonored return code

2016

Original payment not found

2017

Cannot link to same payment ID

2018

Payment type must be return or notification of change

2019

Original payment must be completed

2020

Payment must be on hold to request a rescan

2021

No scan lists are configured for account

2022

Scan already pending

2023

Previous payment not found

2024

Previous payment must be a completed outbound origination

2025

Receiver account not found

2026

Active holds found

2027

Posting account cannot be changed due to current payment status

2028

Posting status must be pending or failed to change posting account

2029

Posting status must be failed to attempt a retry

2030

Originator profile address missing or invalid

2200

Batch not authorizing

2201

Batch requires one or more payment

2202

No filters were found on the request

NACHA Field Mappings

Common NACHA to API field mappings

NACHA Record

NACHA Field

COS API Field

Batch

Company Name

Originator.Name

Batch

Company Discretionary Data

Originator.Data

Batch

Company Identification

Originator.Identification

Batch

Standard Entry Class Code

SecCode

Batch

Company Entry Description

Description

Batch

Company Descriptive Date

N/A

Batch

Effective Entry Date

EffectiveDate

Batch

Settlement Date

SettlementDate

Batch

Originator Status Code

N/A

Batch

Originating DFI Identification

Originator.RoutingNumber

Entry

Transaction Code

TransactionType / Receiver.AccountType

Entry

Receiving DFI Identification

Receiver.RoutingNumber

Entry

DFI Account Number

Receiver.AccountNumber

Entry

Amount

Amount

Entry

Individual Identification Number

Receiver.Identification

Entry

Individual Name

Receiver.Name

Entry

Discretionary Data

Receiver.Data /
ExtendedDetails.PaymentType (WEB/TEL only)

Entry

Trace Number

TraceNumber

Addenda (05)

Payment Related Information

Addenda (only one informational addenda record is supported)


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