Product

Paya Connect 

ACH Services

Description

You will receive an error message if you try and use the refund option on a customer-initiated check transaction. There is an indicator on ACH transactions that displays a level of authentication a person processing has in relation to an account (these are called SEC codes; WEB, PPD, and CCD).

• WEB 
  • This indicates a customer initiated the transaction and WEB cannot be run as refunds as the WEB SEC Code is not allowed on our platform. You must refund by using the SEC action Code of 'CCD'.
• PPD 
  • This indicates the Merchant is initiating the transaction on a personal account and the 'P' stands for personal, which can be an easier way to remember. 
• CCD 
  • This indicates the Merchant is initiating the transaction on a Corporate/Business account and the 'C' stands for Corporate, which can be an easier way to remember.

If you have questions or require additional information, please contact us and we will be in touch with you shortly.