The Standard Entry Class Codes

Due to NACHA requirements, it is mandatory for some merchants to pass a standard entry class code to as an identifier with EFT transactions. If you have a CheckGateway account that is listed as using multiple SEC codes, you will need to pass through an appropriate code here.  If you are listed as using a single code, this field will be optional.  We are not able to verify the status of your account with CheckGateway before sending through requests.  This means that any errors due to using a SEC code not supported by your account will be generated by CheckGateway.  To get more information about SEC codes, please see the NACHA guidelines using this link: NACHA SEC Codes.  If you do not know how your account is setup with CheckGateway, please contact their customer service department.

The gateway supports the three letter values for the SEC Codes. Here is an explanation of those:

  • WEB - Internet (Initiated and authorized via the web through a secure system, can be a single entry or recurring debit, 60 day return timeframe may apply)
     
  • ARC - Accounts Receivable (Used for check conversion of one-time payments received via US Mail or a drop box, 60 day return timeframe may apply)
     
  • BOC - Back Office Conversion (Used for check conversion of one-time payments received at points-of-purchase or manned payment locations, 60 day return timeframe may apply)
     
  • CCD - Corporate Credit Or Debit (B2B payments or disbursements, can be a single entry or recurring transaction, 24 hour return timeframe)
     
  • POP - Point Of Purchase (Check provided at point-of-purchase, and the scanned, voided, and returned to customer, for a one-time payment less than $25,000.00, 60 day return timeframe may apply)
     
  • PPD - Prearranged Payment (Requires written authorization from customer for debits, can be used for credits, 60 day return timeframe for unauthorized returns)
     
  • RCK - Returned Check (Entry of a previously bounced check for less than $2500.00, NSF fee must be initiated as a separate transaction, 60 day return timeframe may apply)
     
  • TEL - Telephone (One-time payment initiated and authorized via phone call, can receive authorization in writting or via taped phone conversation, 60 day return timeframe may apply)
     

A merchant can hard code these values into their Standard forms or XML requests. The Split and Buynow forms support entry of these values. The Virtual Terminal provides a drop down menu to allow for entry of the SEC Code.