Extra Credit

ACH / NACHA

Industry standards and compliance Payments and finance
Official docs Learn ACH / NACHA on your Mac

Official docs outline

7 sections
  1. NACHA Operating Rules

    Rules governing ACH participants, ODFI/RDFI responsibilities.

  2. ACH file format

    Fixed 94-character records: file header, batch header, entry detail, addenda, control.

  3. Standard Entry Class codes

    PPD, CCD, WEB, TEL and others, and their authorization requirements.

  4. Return reason codes

    R01 insufficient funds, R02 account closed, R03 no account, R10 unauthorized and return time frames.

  5. Settlement and same-day ACH

    Processing windows and same-day ACH limits.

  6. Risk management rules

    Fraud monitoring rules and account validation for WEB debits.

  7. Healthcare EFT standard

    CCD+ addenda for 835 reassociation of payments.

Each section links to the official page. Titles and summaries by Extra Credit; the docs belong to their authors.

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