11/16/2023 0 Comments Ach transaction codes listThere was a problem connecting to the processing networks. Note: This decline code applies to all Visa Category 1 declines.ĭeclined - Account blocked by PayJunction for fraud.ĭeclined - General Upstream ErrorThere was a problem connecting to the processing networks. This account has been blocked in PayJunction by the card association. See: What is a "DT" Duplicate Transaction decline code? This is most likely a mistake, change the invoice number or wait 10 minutes and try again. The same transaction amount, invoice number and credit card charge account has been attempted within the last 10 minutes. See: What is a "CR" Chip Card Removed decline code?ĭeclined - No Match: CVV Trinity 2.0 Response Your account appears to be turned off.ĭeclined - Terminal File Configuration ErrorĬontact PayJunction to resolve a configuration error.ĭeclined - Merchant File Configuration Errorĭeclined - No Match: CVV Trinity 1.0 Response See: What is a "BC" Card Brand Not Supported decline code?Ĭontact your merchant account provider, ISO or sales representative. If the recipient is a business, we will default to using CCD.Declined - AVS International AVS Not Supportedĭeclined - AVS: No Match: Address and ZIP If you don't specify a code, we will default to using PPD if the recipient is an individual. Modern Treasury currently lets you use 6 SEC codes - PPD, CCD, CTX, IAT, CIE and WEB when making payments. Notification of Change, or Refused Notification of ChangeĪgreement: Originator and Receiver (Corporate) Authorization: In writing and signed, or similarly authenticated (Consumer Debit) Authorization: Orally or other non-written means (Consumer Credit)Īuthorization: In writing and signed, or similarly authenticatedĪgreement: Posted Notice and in writing and signed, or similarly authenticatedĪgreement: In writing and signed, or similarly authenticatedĪuthorization: In writing and signed, or similarly authenticated (Consumer Debit) Authorization: Orally or other non-written means (Consumer Credit)Īuthorization: Orally authorized over telephoneĭebit or Consumer to Consumer Credit Single Entry, or Recurring EntryĪuthorization: In writing and signed, or similarly authenticated (Debit WEB entries) Non-Monetary (Acknowledges CTX Credit Entry)Īuthorization: Posted Notice and Written NoticeĬredit or Debit Single Entry or Recurring Entry Non-Monetary (Acknowledges CCD Credit Entry) You will also notice that certain codes like WEB (for online authorizations) and TEL (for phone authorizations) describe where the transaction was authorized. Certain SEC codes can only be used for consumer or retail transactions, while others are reserved for business and government transactions. Similarly, certain codes can be used for both one-time and recurring payments while others can only be used for one-time payment authorization. Note that some codes can be used either for ACH credits and debits, while others can only be used for one. NACHA currently allows 13 SEC codes on ACH payments. The ODFI is then responsible for any return fees and resubmitting the payment with the correct code. Including the incorrect SEC code could result in an ACH Return. Alternatively, they need to follow up with the customer for a written confirmation of the authorization before initiating the payment. Debits authorized on a phone call need to use the SEC code TEL and require the company originating the payment maintain a recording of the customer's verbal authorization. Most ACH debits require written authorization from the recipient while most ACH credits do not.The nature of this authorization depends on the SEC code and whether funds are being debited or credited. It is also the responsibility of the business using the ODFI for ACH, also known as the Originator, to have the proper authorization in place from the Receiver. SEC codes are attached to the ACH payment request since they are a part of the NACHA file format. It is the responsibility of the Originating Depository Financial Institution or ODFI to include the correct SEC code in the ACH payment. SEC codes don’t have anything to do with the Securities and Exchange Commission, the three letter agency most often associated with this acronym. Since they tend to be specific to a particular use case, most companies will only use a few different SEC codes in their payments. Both ACH credits and ACH debits must have a SEC code. It is mandatory for all ACH payments to include a SEC code. Some banks will also include this code on the transaction entry in your bank statement. For example, the recurring ACH debit for your monthly utility bill will use the SEC code PPD which stands for 'Prearranged Payment and Deposit Entry' when the utility company debits money from your account.
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