Overview

 

ACH Universal is used to create and transmit ACH files.  The structure of an ACH file is a standard governed by NACHA.  For more information on the file structure, see ACH File Structure

 

All ACH transactions are associated with a Standard Entry Class Code, sometimes called an SEC Code.  This code defines several aspects of the transaction, such as authorization and type of account being used.  For example, most company payroll transactions use the PPD code.  See List of Standard Entry Class Codes for information on all the codes to assist in determining which code to use for your specific situation.

 

See the Glossary for definitions of terms common throughout ACH files in general and in ACH Universal.