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SEC Code Reference Guide and Tip Sheet

Forte is committed to educating merchants and partners about compliance and industry standards that could potentially impact their business. We are continuously making systematic changes to ensure merchants are processing transactions using the appropriate SEC codes in accordance with Nacha standards.  

What is an SEC Code? 
The Standard Entry Class (SEC) code is a three-character application which identifies each entry in the ACH Network. SEC codes differentiate the type of sender and receiver account as either consumer and/or non-consumer, as well as, the proper proof of authorization required for each type of transaction. Understanding and using proper SEC codes is important since using incorrect SEC codes on entries may result in a violation of the Nacha Operating Rules. 

Attached you will find helpful documents that can provide guidance on using SEC codes in accordance to the Nacha Operating Rules.  For questions related to this please feel free to contact our Support team at

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