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SEC Codes

This topic provides information about ACH Standard Entry Class (SEC) codes. Electronic check transactions must include an SEC Code to specify how the originator is authorizing the transaction.
The
processingInformation.bankTransferOptions.secCode
field specifies the authorization method for the transaction. Possible values:
  • ARC
    : account receivable conversion—supports the conversion of checks received via U.S. mail into a merchant’s unattended lock box. This value is used only by Paymentech. ARC is not supported in Canada. Contact your Paymentech representative to ensure that your address city field is set up.
  • CCD
    : corporate cash disbursement—a charge or credit against a business checking account. You can use one-time or recurring CCD transactions to transfer funds to or from a corporate entity. A standing authorization is required for recurring transactions. For CyberSource ACH Service, CCD is the default value for the
    ics_ecp_credit
    field if no value is set for the
    processingInformation.bankTransferOptions.secCode
    field.
  • POP
    : point-of-purchase conversion—supports single-entry payments used at the point of purchase. This value is used only by Paymentech. POP is not supported in Canada. Contact your Paymentech representative to ensure that your address city field is set up. If you submit
    processingInformation.bankTransferOptions.secCode
    with a value of
    POP
    , we strongly recommend that you also submit
    processingInformation.bankTransferOptions.terminalCity
    and
    processingInformation.bankTransferOptions.terminalState
    . If you submit
    processingInformation.bankTransferOptions.terminalCity
    and
    processingInformation.bankTransferOptions.terminalState
    in a transaction and you wish to perform a follow-on transaction, you must resubmit them with the follow-on transaction.
  • PPD
    : prearranged payment and deposit entry—a charge or credit against a personal checking or savings account. You can originate a PPD entry only when the payment and deposit terms between you and the customer are prearranged. A written authorization from the customer is required for one-time transactions, and a written standing authorization is required for recurring transactions. For the CyberSource ACH Service,
    PPD
    is the default value for the
    ics_ecp_payment
    field if no value is set for the
    processingInformation.bankTransferOptions.secCode
    field.
  • TEL
    : telephone-initiated entry—a one-time charge against a personal checking or savings account. You can originate a TEL entry only when there is a business relationship between you and the customer or when the customer initiates a telephone call to you. For a TEL entry, you must obtain a payment authorization from the customer over the telephone. Only the CyberSource ACH processor supports recurring telephone-initiated payments and credits. For CyberSource ACH Service, if the e-commerce indicator for the Virtual Terminal is MOTO, the value of the
    processingInformation.bankTransferOptions.secCode
    field defaults to
    TEL
    .
  • WEB
    : internet-initiated entry—a charge against a personal checking or savings account. You can originate a one-time or recurring WEB entry when the customer initiates the transaction over the Internet. For a WEB entry, you must obtain payment authorization from the customer over the Internet. For the CyberSource ACH Service, if the e-commerce indicator for the Virtual Terminal is not set to MOTO, then the value of the
    processingInformation.bankTransferOptions.secCode
    field defaults to
    WEB
    .
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