As the ACH Rules evolve, new requirements will impact how your organization manages payment descriptions and monitors fraud. Why it matters: Adhering to upcoming ACH Rules changes is crucial for ensuring compliance and minimizing fraud risks for your organization. 

Changes are coming in 2026, including: 

Company Entry Description Update: Companies initiating (1) PPD credits related to wages/salaries will need to input a description of “PAYROLL” in the Company Entry Description, and (2) e-commerce/online retail purchases (WEB debits) to use “PURCHASE.” 

Fraud Monitoring Requirement: Fraud monitoring will be required regardless of the Standard Entry Class (SEC) code or payment type your company initiates. 

Corporate Originators and Third-Party Senders must prepare for these changes by updating policies, procedures, and systems to ensure compliance and effectively mitigate fraud risks. 

For full details, download EPCOR’s Rules update. 

Republished with permission by EPCOR.