Q.) Can you confirm that verification of routing numbers is not required for PPD transactions? I know it’s a requirement for WEB debits
The ACH Rules for the TEL and WEB Standard Entry Class (SEC) codes require Originators to validate routing numbers prior to origination. Otherwise, the ODFI warrants that transactions originated are valid and authorized. Prenotes are optional for PPD transactions but they are recommended for recurring ACH debits. The Federal Reserve’s E-Payments Routing Directory (found at frbservices.org
) is a helpful resource for confirming routing numbers. You can also check TCHPA’s Documents on Demand
page for additional information about PPD, WEB and TEL transactions but you’ll need to login
as this page is available to members only.