====== ACH Check File Formats ======

===== Introduction =====

Depending on which ACH processor they are using,  merchants have the ability to select the file format that the ACH processor will use for a transaction.  If the merchant's processor supports this feature they will have a drop down available in their virtual terminal listing the file formats that are available to them.  Descriptions of these formats are available on this page.

===== Formats =====


==== ARC ====

Accounts Receivable Conversion. Used for payments being made against a bill such as a utility.  Signed Authorization by Customer required.


==== BOC ====

Back Office Conversion.  Paper checks that are collected in a retail environment and then scanned and batched electronically.  Customer notification "Checks are Electronically Processed" required at Point of Sale.

==== CCD ====

Cash Concentration or Disbursement.   Used for the transfer of funds between entities.  Signed Authorization by Customer required.



==== POP ====

Point-of-Purchase.  Paper checks that are converted (scanned) into electronic format at the point of sale.  The original paper check is voided and returned to the customer. Point of Sale is authorization.


==== PPD ====

Prearranged Payment or Deposit.   Credits or Debits that have been pre-arranged by consumers to draft from their personal bank account.  Typically used for recurring payments.  Signed Authorization by Customer required, or contract language along with voided check. 



==== RCK ====

Re-Presentation Check.   After a check has been return for insufficient funds it may be attempted again using this format. RCK may only be retried once. Customer notification "Returned Checks are Electronically Re-Processed" required at Point of Sale.

==== TEL ====

Telephone Intiated Entry.  Transaction information was received via the telephone. Transactions Authorization script must be recorded at the time the transaction is processed, or written acknowledgment sent to the customer.



==== WEB ====

Internet Initiated Entry.   Transaction was received from consumer via the Internet (ie shopping cart). Web transactions require a drop-down "I agree" or a standard form of acknowledgment initiated by the customer and **MUST be HTTPS secured web-page.**