While the details of a payment file can vary slightly between different banks and financial institutions, there are a number of Standard Entry Class Codes (SEC codes) that are required when sending ACH payment files. Batch header record (with service class code).The file is formatted in a digital envelope and contains important payment instructions like: The five main record types that make up the ACH file format are header, trailer, batch header and trailer, and detailed transaction records.Įach line is 94 characters long and is structured in the form of alphanumeric ASCII text.
The ACH file format (or NACHA file) is a text file with ASCII text lines, where each line is 94 characters long and serves as a “record” to execute domestic ACH payments through the Automated Clearing House Network (NACHA). Here we look at the file format for the National Automated Clearing House Association (NACHA) and how they are used to execute domestic ACH payments. The variance largely depends on if a business is using an ACH API, mass payments platform, bank portal, or digital payment solution like PayPal Mass Pay.
#WHAT IS PPD FILE TYPE CODE#
These text files vary between long lengths of code and specific formatting. If you’ve ever had to deal with payment files, they can be a huge headache. It’s a digital form of a check remittance that ensures all funds are directed to the proper place. A company must create and upload payment files, so the bank knows who and where to pay. That’s where the digital world comes in.Ī mass payment is typically set up to run through a banking portal or bank API. This eradicates the traditional remittance process and requires a new form of thinking. When a business wants to pay all of its vendors at the same time, it must be done in batches.
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