Picking which Standard Entry Class Code 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