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ACH Universal

The CIE Standard Entry Class Code is limited to credit transactions where the consumer initiates the payment, typically to a company for payment through some type of bill payment service provider.




The mappings for required fields to use CIE are:

Name as Name

Amount or Amount_Reverse_Sign

Account number as Bank_Account_Number

Routing Number as ABA_Routing_Number)



CIE+ is simply a CIE transaction that includes an addenda record.  An addenda includes additional information about the transaction, but is not required for ACH processing.  This can include identification numbers, region codes, or anything considered necessary on the Receiver's end.