SinglePoint ACH Payments: NACHA Origination with Same-Day, Next-Day and Second-Day Settlement

SinglePoint ACH origination accepts NACHA-formatted files for every commercial Standard Entry Class code in use: CCD, CCD+, PPD, CTX, WEB, TEL and IAT. SinglePoint submits to both FedACH and EPN operators so the batch reaches the receiving depository institution through the fastest route available.

Three Same-Day ACH processing windows (10:30am ET, 2:45pm ET, 4:45pm ET) deliver credit to the receiver within hours under the NACHA operating rules. Prenote validation, NOC automation and full return reason code handling are built into every SinglePoint ACH workflow.

SinglePoint Login Contact ACH Desk

SinglePoint ACH batch origination screen showing NACHA file with CCD and PPD entries queued for same-day settlement

Corporate SEC Codes: CCD, CCD+, CTX

CCD handles corporate credit and debit entries between businesses. CCD+ adds a single 80-character addenda for remittance data. CTX handles corporate trade exchange with up to 9,999 addenda records for ANSI X12 820 remittance advice. SinglePoint parses and displays addenda to receivers for straight-through reconciliation.

Consumer SEC Codes: PPD, WEB, TEL

PPD is the prearranged payment and deposit entry for payroll direct deposit, consumer debits and recurring billing. WEB is an internet-authorized consumer debit. TEL is a telephone-authorized single-entry consumer debit. SinglePoint applies NACHA consumer authorization rules and Reg E unauthorized return windows automatically.

SEC Code	Description	Use Case	Settlement Window	Return Window	Addenda
CCD	Corporate Credit or Debit	B2B payments, cash concentration	Same-Day / Next-Day	2 banking days	Optional (1 record)
CCD+	Corporate Credit with Addenda	Tax payments, structured B2B	Same-Day / Next-Day	2 banking days	1 addenda (80 char)
PPD	Prearranged Payment Deposit	Payroll, consumer recurring debit	Same-Day / Next-Day	60 days (R10 unauthorized)	Optional (1 record)
CTX	Corporate Trade Exchange	ANSI X12 820 remittance advice	Same-Day / Next-Day	2 banking days	Up to 9,999 records
WEB	Internet-Authorized Debit	Online consumer bill pay	Next-Day / Second-Day	60 days (R10)	Optional (1 record)
TEL	Telephone-Authorized Debit	Single-entry phone-order debit	Next-Day / Second-Day	60 days (R10)	Optional (1 record)

Same-Day ACH with a $1M Per-Entry Cap

Same-Day ACH inside SinglePoint offers three processing windows: 10:30am ET (settles 1:00pm ET), 2:45pm ET (settles 5:00pm ET) and 4:45pm ET (settles 6:00pm ET). Since March 2022, the NACHA Same-Day ACH per-entry limit is USD 1,000,000. Files missing the 4:45pm ET window shift to Next-Day ACH and settle the following banking day.

Commercial credits and debits both qualify for Same-Day ACH. IAT entries are excluded. SinglePoint applies Same-Day surcharge pricing automatically on qualifying entries so batch-level totals reconcile against invoice.

SinglePoint Same-Day ACH window selector showing 10:30am, 2:45pm and 4:45pm ET cutoffs with $1M per-entry cap

SinglePoint ACH return and NOC dashboard showing R01 insufficient funds, R03 no account and R8x NOC entries

Prenote, NOC and ACH Return Reason Codes

Prenote entries validate receiver accounts 3 banking days before the first live entry. Notification of Change (NOC) codes R81 through R89 feed back corrected routing and account numbers that SinglePoint applies automatically to the beneficiary record.

ACH returns post to SinglePoint with full NACHA reason codes: R01 insufficient funds, R02 account closed, R03 no account, R04 invalid account number, R08 payment stopped, R10 customer advises unauthorized, R20 non-transaction account and R29 corporate customer advises not authorized. R10 consumer returns run a 60-day window; corporate R29 returns run 2 banking days.

Operational Brief

SinglePoint accepts NACHA files through upload, template entry and API; every file is parsed and validated before release.
FedACH (Federal Reserve operator) and EPN (The Clearing House operator) are both reachable from SinglePoint as direct participants.
Same-Day ACH per-entry limit is USD 1,000,000; Next-Day and Second-Day ACH have no per-entry cap under NACHA rules.
Prenote entries are zero-dollar and always settle T+3 with optional Notification of Change (NOC) feedback in SinglePoint.
ODFI warranty and unauthorized entry return timelines are enforced per NACHA; R10 returns accept 60 calendar days from settlement.

Pre-Authorized Debit (PAD)

SinglePoint supports Pre-Authorized Debit via PPD and WEB SEC codes. Authorization capture, storage and audit are handled inside SinglePoint with electronic signature timestamps to satisfy NACHA consumer authorization rules.

File Specifications

SinglePoint accepts NACHA 94-byte fixed-width files with File Header, Company Batch Header, entry detail, addenda, batch control and file control records. Pre-validation flags field format errors before submission.

Reversals and Corrections

Authorized reversals within the NACHA 5-banking-day window are supported inside SinglePoint with appropriate reason detail. Erroneous and duplicate entries can be reversed per NACHA rules with ODFI warranty.

Wire Transfers

Use Fedwire when your counterparty needs same-day irrevocable credit. ACH is lower cost for repeating batches; wire is the high-value rail inside SinglePoint.

Payroll

PPD credit entries inside SinglePoint deliver payroll to employee accounts with Next-Day or Same-Day settlement, integrated with ADP, Paychex, Gusto and Workday.

Vendor Payments

CCD+ and CTX entries inside SinglePoint deliver ANSI X12 820 remittance advice directly to supplier ERPs for straight-through AR reconciliation.

International Payments

IAT entries inside SinglePoint carry OFAC-required data for cross-border ACH to Canada and Mexico through the FedGlobal network.

Treasury Management

ZBA concentration inside SinglePoint funds the ACH originating account on demand, preventing insufficient funds on outgoing batches.

Transaction Reporting

Filter ACH by SEC code, batch ID, trace number, return reason and NOC. Export to BAI2, MT940 or CSV directly from the SinglePoint report builder.

What ACH Standard Entry Class codes does SinglePoint support?

SinglePoint supports every NACHA commercial SEC code: CCD for corporate credit and debit, CCD+ with a single addenda record, PPD for consumer payroll and recurring, CTX with up to 9,999 addenda for ANSI X12 820, WEB for internet-authorized debits, TEL for telephone-authorized debits, and IAT for international ACH transactions.

How fast does Same-Day ACH settle through SinglePoint?

SinglePoint Same-Day ACH offers three windows per business day: 10:30am ET (settles 1:00pm ET), 2:45pm ET (settles 5:00pm ET) and 4:45pm ET (settles 6:00pm ET). The Same-Day ACH per-entry cap is USD 1,000,000. Files missing the 4:45pm window shift to Next-Day settlement.

What is the difference between FedACH and EPN?

FedACH is the Federal Reserve ACH operator; EPN is The Clearing House ACH operator. SinglePoint routes files through whichever operator reaches the receiving depository institution fastest. U.S. Bank is a direct participant in both networks.

How do ACH returns work in SinglePoint?

SinglePoint surfaces full NACHA return reason codes: R01 insufficient funds, R02 account closed, R03 no account, R04 invalid account, R08 payment stopped, R10 customer advises unauthorized, R29 corporate not authorized. R10 consumer returns run 60 calendar days; corporate returns run 2 banking days.

Does SinglePoint support prenotification entries?

Yes. SinglePoint supports zero-dollar prenotes on every consumer and corporate SEC code. Prenotes validate the receiver account 3 banking days before the first live entry. NOC codes R81-R89 are applied automatically to the beneficiary record inside SinglePoint.

SinglePoint ACH Payments: NACHA Origination with Same-Day, Next-Day and Second-Day Settlement

NACHA Standard Entry Class Codes Inside SinglePoint