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SEC Codes {#sa-sec-codes}
=========================

The echeck_sec_code field specifies the authorization method for the transaction. Possible values:

* `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 a credit when no value is set and when the echeck_account_type field is set to `X` or `G`.
* `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 pre-arranged. A written authorization from the customer is required for one-time transactions, and a written standing authorization is required for recurring transactions. For `Cybersource ACH Service`, `PPD` is the default value for a debit when no value is set and when the echeck_account_type field is set to `C` or `S`.
* `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 debits and credits. For `Cybersource ACH Service`, if the e-commerce indicator (ECI) for the Virtual Terminal is `MOTO`, the value of the echeck_sec_code 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 `Cybersource ACH Service`, if the ECI for the Virtual Terminal is not set to `MOTO`, the value of the echeck_sec_code field defaults to `WEB`. Use `WEB` as the SEC code for all Canadian dollar transactions on the `Chase Paymentech Solutions` connection.