Cash Concentration or Disbursement can be either an ACH credit or debit where funds are transferred between corporate entities.
 
The format can support a limited amount of payment related data with the funds transfer while also being capable of a stand-alone funds transfer.

 

The mappings for required fields to use CCD are:

•Name as Name

•Amount as Amount or Amount_Reverse_Sign (use Amount if amounts are being paid out and are negative OR are being collected and are positive, otherwise Amount_Reverse_Sign)

•Account number as Bank_Account_Number

•Routing Number as ABA_Routing_Number)

 

CCD+ is simply a CCD transaction that includes an addenda record.  An addenda includes additional information about the transaction, but is not required for ACH processing.  This can include identification numbers, region codes, or anything considered necessary on the Receiver's end.