The ACH API supports the following SEC codes:
Cash Concentration or Disbursement. Payments between corporate entites
Point of Sale payments
Prearranged Payments to consumers
Payments initiated by telephone
Payments initiated via the internet
Which code should I use?
Your operations support team will guide with this based on the use case you are trying to support.
Payment we received from another bank
Payment we are sending to another bank
Payment will be effective the following day. International payments must use this type.
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.
A credit payment being sent from an originator to a receiver
A debit payment being taken from a receiver and given to the originator.
A new payment originating from either Cross River or another bank. Most payments are of this type.
Related to a previous origination that has been returned by the receiving bank.
Related to a previous return, that has been dishonored by the receiving bank.
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)
We have received the payment, but have not started processing it yet. This status should only appear briefly under normal circumstances.
The payment is waiting to be batched and sent to the Federal Reserve.
Payment is being held at the moment and reviewed by our operations team.
The payment has been batched is a final review is being done before we send it out in a file to the Federal Reserve.
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.
The payment has been posted and accepted by the Federal Reserve (in the case of outbound payments). This is a final status.
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.
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.
No account or unable to locate account
Invalid account number
Unauthorized debit to consumer account
Returned per ODFI's request
Authorization revoked by customer
Payment stopped or stop payment on item
Customer advises not authorized
Customer Advises Entry Not in Accordance with the Terms of the Authorization
Branch sold to another DFI
Invalid ACH routing number
Representment payee deceased or unable to continue in that capacity
Beneficiary of account holder deceased
File record edit criteria
Improper effective entry date
Amount field error
Invalid company identification
Invalid individual ID number
Credit entry refused by receiver
Mandatory field error
Trace number error
Routing number or check digit error
Corporate customer advises not authorized
RDFI not participant in check truncation program
Permissible return entry
Return of XCK entry
Limited participation DFI
Return of improper debit entry
Return of improper credit entry
Source Document Presented for Payment
Stop payment on source document
Returns of returns :)
Return of Erroneous or Reversing Debit
Incorrect dollar amount
Incorrect individual identification
Incorrect transaction code
Incorrect company identification
Permissible return entry not accepted
Incorrect DFI Account Number
Incorrect Routing Number
Incorrect Routing Number and Incorrect DFI Number
Incorrect Individual Name/Receiving Company Name
Incorrect Transaction Code
Incorrect DFI Account Number and Incorrect Transaction Code
Incorrect Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code
Incorrect Receiving DFI Identification (IAT only)
Incorrect Identification Number
Addenda Format Error
Incorrect SEC Code for Outbound International Payment
Purchase of goods
Invalid payment status
Invalid posting status
Payment cannot be canceled
Account not found
Payment must be outbound
Payment must be inbound
Payment must be an inbound origination
Payment must be status completed or rejected to be corrected
Invalid change code
Payment must be an inbound return
Payment must be an origination
Payment must be status completed or rejected to be returned
Payment must be status completed or rejected to be dishonored
Invalid return code
Invalid dishonored return code
Original payment not found
Cannot link to same payment ID
Payment type must be return or notification of change
Original payment must be completed
Payment must be on hold to request a rescan
No scan lists are configured for account
Scan already pending
Previous payment not found
Previous payment must be a completed outbound origination
Receiver account not found
Active holds found
Posting account cannot be changed due to current payment status
Posting status must be pending or failed to change posting account
Posting status must be failed to attempt a retry
Originator profile address missing or invalid
Batch not authorizing
Batch requires one or more payment
No filters were found on the request
Common NACHA to API field mappings
COS API Field
Company Discretionary Data
Standard Entry Class Code
Company Entry Description
Company Descriptive Date
Effective Entry Date
Originator Status Code
Originating DFI Identification
TransactionType / Receiver.AccountType
Receiving DFI Identification
DFI Account Number
Individual Identification Number
Payment Related Information
Addenda (only one informational addenda record is supported)
Updated over 1 year ago