SEC — ACH Standard Entry Class codes

Name: SEC — ACH Standard Entry Class codes
Creator: Nacha
License: https://creativecommons.org/licenses/by/4.0/

O código Standard Entry Class (SEC) são as três letras no cabeçalho de lote ACH que dizem de que tipo de operação se trata: PPD para um salário ou um débito pré-autorizado de consumidor, CCD para um pagamento entre empresas, CTX quando esse pagamento transporta dados de remessa EDI, WEB para um débito autorizado online, TEL por telefone. Existem 23, e a escolha não é cosmética: determina a autorização que deve deter e o prazo que o recetor tem para devolver a operação.

SEC (ACH Standard Entry Class codes)

Nacha Operating Rules (ACH, United States) 23 códigos Nacha

Visão geral

Quando é usada

Consulte esta lista ao construir ou verificar um ficheiro ACH: o código SEC ocupa as posições 51-53 do cabeçalho de lote (registo 5). Determina o prazo de devolução — dois dias úteis bancários para uma devolução administrativa, mas sessenta dias de calendário para um consumidor que conteste um débito não autorizado em PPD, WEB ou TEL, contra a abertura do segundo dia útil para uma empresa em CCD ou CTX. Seis dos códigos são não monetários: não transportam qualquer montante.

Fonte oficial: Nacha Operating Rules 2025 — Appendix Three, subpart 3.2.2 (Standard Entry Class Code) Também verificado com: Federal Reserve Financial Services — IAT FAQ (IAT replaced CBR and PBR) Também verificado com: US Treasury — Green Book, chapter 6 (federal ACH entries) Também verificado com: Nacha — ISO 20022 guide to camt.053 returns Última verificação: 2026-07-12Licença: CC-BY-4.0

Existem exatamente 23 códigos SEC. Duas afirmações comuns são falsas: que a Nacha só permite 13 (uma frase errada de um artigo muito copiado, desmentida pela sua própria tabela) e que CBR e PBR ainda existem (foram substituídos por IAT). Dois títulos oficiais também são publicados errados com frequência: TRC é «Check Truncation Entry», não «Truncated Entry», e ACK é «ACH Payment Acknowledgment». O regulamento da Nacha é vendido e não foi comprado: a lista foi verificada com os anexos que a Nacha publica gratuitamente, a Reserva Federal e o Green Book do Tesouro dos EUA.

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Operações de consumidor (7)

Código	Significado	Sentido
PPD	Prearranged Payment and Deposit EntryThe backbone of consumer ACH: payroll direct deposit (credit) and preauthorized recurring debits such as a utility bill. Debits need a written or similarly authenticated authorization.	Ambos
WEB	Internet-Initiated/Mobile EntryConsumer debit authorized through a website or mobile app, plus person-to-person credits. Since March 2022 the Originator must validate the account before the first debit of a series and run commercially reasonable fraud detection.	Ambos
TEL	Telephone-Initiated EntryConsumer debit authorized orally over the phone. Debits only — credits are not allowed. The Originator must record the authorization or send the consumer a written confirmation.	Débito
CIE	Customer Initiated EntryA credit the consumer pushes to a business, typically from a bank bill-pay service. The consumer, not the biller, starts it.	Crédito
MTE	Machine Transfer EntryEntry originating from an ATM. Largely historical: ATM activity now settles over card networks.	Ambos
POS	Point-of-Sale EntryCard-initiated entry at an electronic terminal, non-shared environment. Largely historical.	Ambos
SHR	Shared Network TransactionThe shared-network counterpart of POS. Largely historical.	Ambos

Operações entre empresas (2)

Código	Significado	Sentido
CCD	Corporate Credit or Debit EntryThe B2B workhorse: vendor payments and cash concentration between a company's own accounts. An unauthorized return (R29) is due by the opening of the second banking day — not the 60 days a consumer gets.	Ambos
CTX	Corporate Trade ExchangeB2B payment carrying structured EDI remittance data (ANSI ASC X12), so the receiver can reconcile the invoices it pays. Supports up to 9,999 addenda records — this is what CCD cannot do.	Ambos

Conversão e cobrança de cheques (7)

Código	Significado	Sentido
ARC	Accounts Receivable EntryA cheque received by mail or in a drop box, converted into a one-off ACH debit. Debits only.	Débito
BOC	Back Office Conversion EntryA cheque taken in person at the till, then converted to an ACH debit in the back office. Debits only.	Débito
POP	Point-of-Purchase EntryA cheque converted at the counter in front of the customer and handed straight back. One-off debits only.	Débito
RCK	Re-presented Check EntryA bounced cheque (insufficient or uncollected funds) re-presented electronically instead of on paper.	Débito
XCK	Destroyed Check EntryCollection of a cheque that was lost, destroyed or cannot be imaged. Exceptional use.	Débito
TRC	Check Truncation EntryA single cheque collected under a truncation programme. Largely superseded by Check 21 image exchange. Note the official title is "Check Truncation Entry" — most published lists get this one wrong.	Débito
TRX	Check Truncation Entries ExchangeThe multiple-cheque counterpart of TRC, carrying the truncated items in addenda records.	Débito

Internacional (1)

Código	Significado	Sentido
IAT	International ACH TransactionAny entry where part of the payment chain sits outside US jurisdiction. Its mandatory addenda carry the parties' details so the RDFI can meet OFAC screening obligations. IAT replaced the former CBR and PBR codes, which no longer exist.	Ambos

Operações não monetárias (zero dólares — não são pagamentos) (6)

Código	Significado	Sentido
COR	Notification of Change or Refused Notification of ChangeThe zero-dollar entry that carries a NOC change code (C01…) — the RDFI asking for corrected data, or the ODFI refusing that request. It is not a rejection: the original payment was posted.	—
ACK	ACH Payment AcknowledgmentZero-dollar acknowledgment sent by the RDFI confirming it received a CCD credit. Optional, and requires prior agreement between the parties.	—
ATX	Financial EDI AcknowledgmentThe CTX counterpart of ACK: a zero-dollar acknowledgment that a CTX credit was received.	—
ADV	Automated Accounting AdviceA zero-dollar accounting advice produced by the ACH Operator itself — not by a bank — to give participating institutions machine-readable settlement information. It uses its own record layout.	—
DNE	Death Notification EntryA federal agency notifying an RDFI that a benefit recipient has died. Only the federal government may originate it.	—
ENR	Automated Enrollment EntryA financial institution enrolling a customer in a federal agency's direct deposit or direct payment programme, on that customer's behalf.	—

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