When should I use ACH Passthru instead of ACH Payments or ACH Collections? : VeraBank

When should I use ACH Passthru instead of ACH Payments or ACH Collections? Print

Modified on: Thu, Aug 14, 2025 at 1:45 PM

You can import NACHA-formatted files in ACH Payments or ACH Collections, and Payroll payments, but those files may only contain one batch each.

In addition, those payments can only support PPD and CCD Standard Entry Class (SEC) codes.

PPD - Prearranged Payment and Deposit (personal payments)
CCD - Cash Concentration and Disbursement (business payments)

The ACH PassThru feature allows you to create files with multiple batches and with other SEC codes. In addition, unlike other ACH payments, the ACH PassThru feature performs minimal validations before passing the file to us.

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When should I use ACH Passthru instead of ACH Payments or ACH Collections? Print

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