Picking which Standard Entry Class code to use

The NACHA Corporate Rules and Guidelines offer a helpful table for choosing the correct Standard Entry Class (SEC) Code to use for a given enrollment and transaction. The table has been re-written below:

Point of sale transactions

Physical enrollment

• Customer uses their debit card at a POS terminal.

Proper SEC Code: POS

Internet enrollment

• Customer uses their debit card at a POS terminal.

Proper SEC Code: POS

Internet transactions

Physical enrollment

• Customer initiates debits via the bank’s web site or individual bill payments at a merchant web site.
• Customer uses their ACH-based debit card to make a purchase at a web site.

Proper SEC Code: PPD

Internet enrollment

• Customer authorizes a transfer of funds into a savings account.
• Customer initiates bill payments at a merchant web site on their debit card.
• Customer uses their ACH-based debit card to make a purchase at a web site.

Proper SEC Code: WEB

ATM transactions

Physical enrollment

• Customer uses the card at an ATM to withdraw cash.

Proper SEC Code: MTE

Internet enrollment

• Customer uses an ATM to withdraw cash:

Proper SEC Code: MTE