ࡱ > s v r 5+ bjbjcTcT 4v > > # 1 : : } } } } } 8 < ( ( " T X# ' ' ' ' ' ' ' $ * , V ' } $ $ $ ' } } ' >& >& >& $ } } ' >& $ ' >& >& >& Ϩ $ >& |' ' 0 ( >& - % - >& >& - } (' T $ $ >& $ $ $ $ $ ' ' >& $ $ $ ( $ $ $ $ - $ $ $ $ $ $ $ $ $ : C : Glossary of Payments Terms and Acronyms
HYPERLINK \l "A"A HYPERLINK \l "B"B HYPERLINK \l "C"C HYPERLINK \l "D"D HYPERLINK \l "E"E HYPERLINK \l "F"F HYPERLINK \l "G"G HYPERLINK \l "H"H HYPERLINK \l "I"I HYPERLINK \l "J"J HYPERLINK \l "K"K HYPERLINK \l "L"L HYPERLINK \l "M"M HYPERLINK \l "N"N HYPERLINK \l "O"O HYPERLINK \l "P"P HYPERLINK \l "Q"Q HYPERLINK \l "R"R HYPERLINK \l "S"S HYPERLINK \l "T"T HYPERLINK \l "U"U HYPERLINK \l "V"V HYPERLINK \l "W"W HYPERLINK \l "X"X HYPERLINK \l "Y"Y HYPERLINK \l "Z"Z
A
AAP
An Accredited ACH Professional certified by NACHA.
ACH
Automated Clearing House -ACHis a reliable electronic funds transfer (EFT)systemgoverned by NACHA, The Electronic Payments Association.
ACH Credit
An ACH credit occurs when the Receivers account is credited.
ACH Debit
An ACH Debit occurs when the Receivers account is debited.
ACH Operator
ACH operator is the term used to describe the switching mechanism within the settlement network that provides information to the network participants. The ACH operator calculates the settlement totals owed to and by the participating financial institutions based on the effective entry and processing dates of batches of transactions.
ARC
Accounts Receivable Entry A standard entry class code that enables the Originator to convert to a single entry ACH debit a consumer check received via the US mail or at a drop box location in exchange for goods or services rendered. See HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=97"Remote Deposit Capture for benefits of ARC.
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B
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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C
CBR
Cross Border Payments A standard entry class code used for the transmission of corporate cross border ACH credit and debit entries. The CBR format accommodates the exchange of information unique to cross border payments such as foreign exchange conversion, origination and destination currency, etc.). CBR is one of two standard entry class codes available for the transmission of cross border entries.
Check-by-Phone
Check by Phone or "checks by phone" is the patented process of recreating and printing a check withouthaving the original paper check. Check by Phone payments are remotely authorized and do not require the signature of the payor. See HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=100"Check by Phone for benefits.
CIE
Customer Initiated Entry A standard entry class code that enables a consumer to initiate an ACH credit into the ACH network whereby funds will be transferred to a company for payment of funds owed to that company. CIE entries are limited to credit applications.
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D
Demand Deposit
Demand Deposit accounts are financial institution accounts that are readily accessible. Traditional savings and checking accounts are generally demand deposit accounts.
DSO
Day Sales Outstanding (DSO) equals the total accounts receivables divided by average daily sales.
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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E
E-Check (or echeck)
E-Check payments are ACH payments that originate via the Internet, Telephone, POS or bill payment send through the mail or unattended lockbox. For mail and lockbox payments, the paper check is not deposited, but converted into an ACH debit.
EFT
Electronic Funds Transfer
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F
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G
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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H
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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I
IVR
Integrated Voice Response (IVR)or Integrated Voice Recognition are payment systems that use the telephone to automate the capture of transactional information from a payor. Payors may either enter their payment information (routing number, account number, check number) via telephone keypad or read the payment information verbally. See HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=99"PayIVR for benefits.
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J
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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K
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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L
Lockbox
(definition coming soon)
HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=133" \l "top"
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M
Merchant Account
An account opened through a payment processor or financial institution that allows payees to accept credit card payments from a payer.
MICR
Magnetic Ink Character Recognition (MICR) is the information printed on a check in magnetic ink. The MICR information helps MICR scanners retrieve important information from the check including the routing number, account number and check number. Special magnetic ink toner cartridges are used by check printers as well as authorized users of Check by Phone systems.
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N
NACHA
National Automated Clearing House Association - The Electronic Payments Association - The national trade association responsible for developing and enforcing ACH Rules and Guidelines.
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O
OCR
Optical Character Recognition
ODFI
Originating Depository Financial Institution - Financial institutions that originate ACHtransactionsonbehalf of itscustomers. ODFI's must abide by the NACHA Operating Rules.
OFAC
Office of Foreign Asset Control - The part of the US Treasury Department responsible for enforcing United States economic and trade sanctions.
On-Us Entry
Occurs when both the Receiver and Originator of a transaction have depository accounts at the same depository financial institution.
Originator
A company, individual or entity that initiates entries into the ACH network.
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P
Payment Gateway
A payment system, portal or interface that provides multiple payment processing options for payees and multiple payment options for payors- see HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=101"Payment Visionfor benefits.
POP
Point of Purchase Entry - A standard entry class code that describes an ACH debit application used by Originators for the in-person payment by a consumer for goods or services rendered by the Originator.
PPD
Prearranged Payment and Deposit Entry - A standard entry class code can describe an ACH debit or ACH credit application used by an Originator. In the case of an ACH debit, companies with billing operations may make periodic changes to consumer accounts provided that a standing authorization to do so has been provided in writing by the consumer. Examples of PPD debits are most common in situations where recurring bills are regular in frequency and do not vary in amount. In the case of an ACH credit, funds may be deposited into a consumers account as proceeds from payroll, interest earned, pension or dividends.
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Q
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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R
RCK
Standard entry class code for represented check payments.
RDFI
Receiving Depository Financial Institutions - A financial institution qualified by NACHAto receive ACHtransactions.
Receiver
Anycompany, organization or entityauthorizing anOriginator to initiate anACHcredit or debit transaction
Remote Deposit
Remote Deposit or Remote Deposit Capture is the process of converting paper or mailed-in checks to an electronic file for processing. See HYPERLINK "http://www.autoscribe.com/Default.aspx?tabid=97"Remote Deposit Capture for benefits.
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S
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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T
TEL
Telephone Initiated Entries A standard entry class code that enables the Originator to initiate a single entry debit to a consumers account pursuant to a consumers oral authorization obtained over the telephone. This type of transaction may be used only in those instances where (1) there is an existing relationship between Originator and Consumer, or (2) in the absence of such relationship the Consumer has been the party to initiate the call.
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U
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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V
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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W
WEB
Internet Initiated Entries A standard entry class code that enables an Originator to debit a consumers account pursuant to an authorization obtained from the Receiver via the Internet.
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X
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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Y
HYPERLINK "http://www.autoscribe.com/page.html" \t "_self"
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Z
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