3/13/2024 0 Comments Tropicpowersport debit credit achCertain fields, like those that denote codes, must have uppercase characters only.A numeric field must be unsigned, right-justified and pre-padded with zeros.An alphanumeric field must be left-justified and post-padded with spaces.There are various specifications that must be followed for records: If the line count is already divisible by 10, no extra padding is needed. ACH files are padded with lines of 9s, so that the number of lines in the file are a multiple of 10. This record contains various counts (number of batches, number of entries, etc.), sums (debit total and credit total), and another hash total to ensure that the file was generated correctly.ĪCH files have a blocking factor of 10. It also includes a hash total (i.e., checksum) to ensure validity of the batch.Įach file always ends with the "File Control Record," or the “9” record. For more complicated entries, there may be additional "Addenda Records," which each begin with a “7,” to help describe the transaction.Įach batch is closed by the "Batch Control Record," known as the “8” record and sums up the count and dollar amount of all entries in the batch. There is also a unique trace number used to identify the Entry. All payments within a single batch represent transactions for a single company or originator.īeginning with a “6,” each "Entry Detail Record" contains information about the Receiver, including their account name and account number, as well as the transaction details, such as the amount and transaction type (debit or credit). Any variation of any of the information in a batch header would call for a separate batch (like a different description of “bonus” instead of “salary,” different effective date, or company ID or name). This record also specifies the date the transactions are supposed to post in the Receiver’s account. This record identifies your company as the originator, as well as provides a description (e.g., “gas bill” or “salary”) for all of the transactions in the batch. Each batch starts with a single "Batch Header Record," which begins with "5," and describes the type (debits and/or credits) and purpose of all transaction entries within the batch. ODFIs will then process the ACH files to create larger ACH files to be sent to the ACH Network that contain many originators’ batches.Ī file can contain multiple batches. These differences often are generated in the File Header record, which helps the ODFI recognize which client sent the particular file. Your bank (or ODFI) may have specific formatting requirements and data elements to process your ACH files. The ACH File format is designed to allow various levels of ACH processing (the difference between you sending a file to your bank, and the bank sending a file to the ACH Network). It also includes a date time stamp, as well as the name of the originating bank and company name. An ACH file always begins with a single "File Header Record," which will always begin with “101” followed by the routing number of the originating (sending) bank.
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