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Back  RFI # 1768: 820 & ACH IAT Transaction Set

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Submitter

Yvonne Meding

Description

As of March 20, 2009, a new Standard Entry Class, IAT, was introduced to the U.S. Automated Clearing House (ACH) to facilitate cross border payments. ASC X12 code values were updated to support the ACH IAT transaction effective with version 006020. While the ASC X12 820 Payment Order/Remittance Advice code values have been updated to support the ACH IAT Standard Entry Class Code, there exist a large established user base that are using older versions of the ASC X12 standard that need to identify the ACH IAT Standard Entry Class Code and the ACH Transaction Type Code. Please provide guidance on how to create a syntactically correct ASC X12 820 that contains the necessary code values needed to identify an ACH IAT Standard Entry Class Code and the ACH Transaction Type Code.

Submitter Assigned Keywords

Payment Order/Remittance Advice, ACH IAT Standard Entry Class Code

Response

For ASC X12 versions 3050 thru 6010:

  • BPR04 = ACH is used to designate the payment is via U.S. ACH
  • Create an 820 REF segment (Table 1, position 50), where:
    • REF01 = 9I (Automated Clearing House (ACH) Standard Entry Class) will indicate that the ACH payment is using the ACH Standard Entry Class code contained in REF02.
    • REF02 =
      • IAT (when the ACH IAT payment does not contain any remittance (e.g. no 7.17 addenda records)) or
      • IAP (when the ACH IAT payment does contain remittance data (e.g. 7.17 addenda records))
    • REF03 contains one of the following code values for the ACH Transaction Type Code:
      • ANN (Annuity)
      • BUS (Business/Commercial)
      • DEP (Deposit)
      • LOA (Loan)
      • MIS (Miscellaneous)
      • MOR (Mortgage)
      • PEN (Pension)
      • REM (Remittance)
      • RLS (Rent/Lease)
      • SAL (Salary/Payroll)
      • TAX (Tax)

For ASC X12 versions 6020 and greater:

  • BPR04 = ACH (to designate the payment is via U.S. ACH).
  • BPR05 =
    • IAT (when the ACH IAT payment does not contain any remittance (e.g. no 7.17 addenda records)) or
    • IAP (when the ACH IAT payment does contain remittance data (e.g. 7.17 addenda records))
  • Create an 820 REF segment (Table 1, position 50), where:
    • REF01 = 8X (Transaction Category or Type) will indicate that the ACH Transaction Type code defined in REF02
    • REF02 contains one of the following code values for the ACH Transaction Type Code:
      • ANN (Annuity)
      • BUS (Business/Commercial)
      • DEP (Deposit)
      • LOA (Loan)
      • MIS (Miscellaneous)
      • MOR (Mortgage)
      • PEN (Pension)
      • REM (Remittance)
      • RLS (Rent/Lease)
      • SAL (Salary/Payroll)
      • TAX (Tax)
Submission 3/27/2013
Status Date 4/25/2013
Status F - Final
Primary References
Document Various
SectionTS 820
Set ID820