Reference
Hi there! Welcome to Dex, Forte's latest and greatest payments application. With Dex, you can view, create, and manage all your transaction data—including customers, payment methods, addresses, and schedules—in one convenient place. You can also view and maintain your merchant account, keep track of your funding entries, resolve disputed transactions, and generate API credentials to connect Dex with your third-party applications.
Work with SEC Settings
Only users with the SECUpdate permission (i.e., Credit_Enrollment_I role) can update a merchant's Standard Entry Class Codes (SEC) from the Location Details screen. The codes selected here will populate the Entry Class Code dropdown field on the Add Transaction modal. If the merchant attempts to pass a transaction using a SEC code that is not currently assigned to the merchant's location, the transaction will fail with the following error message: Disallowed ACH SEC Code <SEC Code>.
Dex sets the default SEC Code values to WEB, TEL, PPD, and CCD for all merchants set up with ACH services. These values are reflected in both Dex and Webtools until the legacy applications are fully deprecated. For guidance on what SEC code should be assigned to a merchant location, see the SEC Code- Reference Guide or the SEC Code - Tips Sheet or contact Risk.
As a quick reference, the following table displays the SEC codes supported in Dex.
SEC Code | Description | Account Type/Market Type | Transaction Type | Credit/Debit |
ARC | Accounts Receivable Entry - A single debit entry to an account initiated for purchases or payments that are made in person, via US mail, or placing the payment in a drop box. | - Consumer or Non-Consumer | Single Entry | Debit Only |
BOC | Back Office Conversion Entry - A single debit entry to an account for in-person purchases or payments made at the point-of purchase. Check is not returned to check writer. | - Consumer or Non-Consumer | Single Entry | Debit Only |
CCD | Corporate Credit/Debit Entry - Funds are transferred between unrelated corporate entities or transferred as intra-company cash concentration and disbursement transactions. Proof of Authorization for transactions ran on the web using CCD will adhere to the same requirements as a web transaction. | - Non- Consumer | Single or Recurring Entry | Credit/Debit |
CIE | Customer-Initiated Entry - A single credit entry initiated by a consumer (originator) to a non-consumer account. CIE is a consumer-initiated credit entry, a credit push to a merchant, typically used by a financial institution’s or third-party’s bill pay service and would be not be Originated by a merchant. | Consumer | Single Entry | Credit Only |
CTX | Corporate Trade Exchange - Funds are transferred between trading partners with a full ANSI ASC X12 message or payment related UN/EDIFACT information is sent with the transfer. | - Non-Consumer | Single or Recurring Entry | Credit/Debit |
IAT | International ACH Transaction - Credit or Debit Entry that is part of a payment transaction which involves a financial agency’s office not located within the territorial jurisdiction of the United States. | Consumer or Non-Consumer | Single or Recurring Entry | Credit/Debit |
POP | Point-of-Purchase - A single debit entry to an account for in-person purchases or payments made at the point-of purchase. Check is voided by merchant and returned to check writer. | - Consumer or Non-Consumer | Single Entry | Debit Only |
PPD** | Prearranged Payment and Deposit - Credit - A single or recurring credit transaction for payment of payroll, expense reimbursement, dividends, retirement, interest, etc. Debit - A single or recurring debit transaction for collection of fixed or variable amounts for loan and mortgage payments, utilities, insurance, tuition, contributions, etc. | - Consumer | Single or Recurring Entry | Credit/Debit |
RCK | Re-Presented Check Entry - Re-presentment of check processed through the check collection system for insufficient or uncollected funds. Check returned NSF or uncollected funds represented electronically. | - Consumer | Single Entry | Debit |
TEL | Telephone-Initiated Entry - A single or recurring debit transaction initiated orally via the telephone. | - Consumer | Single or Recurring Entry | Debit |
WEB* | Internet-Initiated Web/Mobile Entry - Credit - A single or recurring credit transaction from the account of a natural person to the account of a natural person. Cannot be used for business-to-consumer transactions. Debit - A single or recurring debit transaction initiated during a secure (minimum 128-bit encryption) internet or mobile session. | - Consumer | Single or Recurring Entry | Credit or Debit |
XCK | Destroyed Check Entry - Single entry for collecting lost/destroyed checks, OR a check that is damaged so that a processable image cannot be made OR the check image is un-processable. XCK is for bank use only. | Consumer or Non-Consumer | Single Entry | Debit |
*Denotes default for FCO and SWP
** Denotes default if blank SEC code is sent in REST/AGI