Trading Partner Edition (CTX)

ACH Universal - Advanced Topics > Trading Partner Edition (CTX)

ACH Universal's Trading Partner edition is different than earlier editions, because it includes the ACH format 'CTX' - Corporate Trade Exchange.

The other formats you may already be familiar with are on a one payment-to-one invoice scenario.  For example, an ACH-PPD entry containing an employee's direct deposit payroll payment is a one payment-to-one paycheck scenario.

With ACH-CTX, you can pay hundreds of invoices from one payment. This is a one payment-to-many invoice scenario.

The key here is not just the fact that you are paying multiple invoices, but that you are including the remittance information as well.  CTX passes along the detailed remittance information in the addenda records that follow the payment records.

 
Addenda Records

PPD, CCD:

In other formats such as PPD and CCD, you can include one addenda record to provide additional information about the payment.  When attaching the addenda record, these payments are often referred to as PPD+ and CCD+ (plus sign for addenda).

These formats only allow one record, and the addenda record text is free form - meaning there is no standard as to the syntax or layout (unless, of course, one was agreed to by the originator and receiver).

CTX:

With CTX, you can have up to 9,999 addenda records, and the system expects the records to be in an EDI format.

ACH Universal's EDI Engine

There are many EDI standards, each with its' own derivatives, dialects and subsets.

Treasury Software's built-in EDI engine supports the common business format often referred to as the ANSI ASC 820 transaction set. Virtually all business formats are a derivative or subset of this format. ACH Universal's Trading Partner Edition enables all clients to fine tune their unique transmission needs to meet those of the receiver.

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