ACH — CCD corporate debits with an addenda 05 remittance
A B2B collection: two CCD debits (service class 225, debits only), each carrying one addenda 05 with the invoice it settles — RMR and REF segments, the ASC X12 remittance a corporate receiver reconciles against. CCD allows exactly ONE addenda per entry: 80 characters of payment-related information, no more. When a payer needs more room than that, the SEC code becomes CTX. Note the addenda record indicator in position 79 of the entry: it says 1, and an addenda actually follows.
Nacha 94-character — Valid
A B2B collection: two CCD debits (service class 225, debits only), each carrying one addenda 05 with the invoice it settles — RMR and REF segments, the ASC X12 remittance a corporate receiver reconciles against. CCD allows exactly ONE addenda per entry: 80 characters of payment-related information, no more. When a payer needs more room than that, the SEC code becomes CTX. Note the addenda record indicator in position 79 of the entry: it says 1, and an addenda actually follows.
What this file shows
A B2B collection: two CCD debits (service class 225, debits only), each carrying one addenda 05 with the invoice it settles — RMR and REF segments, the ASC X12 remittance a corporate receiver reconciles against. CCD allows exactly ONE addenda per entry: 80 characters of payment-related information, no more. When a payer needs more room than that, the SEC code becomes CTX. Note the addenda record indicator in position 79 of the entry: it says 1, and an addenda actually follows.
| Transactions | 2 |
|---|---|
| Total | $28,075.00 |
| Date in the file | 2026-07-12 |
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
101 091000019 0910000192607121200A094101RECEIVING BANK ORIGIN BANK
5225NORTHWIND SUPPL 9876543210CCDINVOICE 260712 1091000010000001
6270210000212200334455 0001845000CUST-00821 BLUERIDGE FOODS LLC 1091000010000001
705RMR*IV*INV-2026-0451**18450.00\REF*PO*PO-77120\DTM*003*20260630\ 00010000001
6270312013606677889900 0000962500CUST-00907 HARBOR TOOLING CO 1091000010000002
705RMR*IV*INV-2026-0452**9625.00\REF*PO*PO-77145\DTM*003*20260702\ 00010000002
822500000400052201380000028075000000000000009876543210 091000010000001
9000001000001000000040005220138000002807500000000000000
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
ACH / NACHA file (US)
- ACH — a returned WEB debit (R01, insufficient funds)
- ACH — a notification of change (C01, corrected account number)
- ACH — an international entry (IAT) with its seven mandatory addenda
- ACH — PPD payroll credits, balanced with an offset debit
- ACH — WEB debits (e-commerce, recurring and single-entry)
- ACH — CTX with seven addenda 05 carrying an EDI 820
- ACH — entry hash mismatch (truncated or tampered file)
- ACH — batch control debit total ≠ the sum of its entries
- ACH — invalid ABA 3-7-1 check digit on an entry routing number