Payments

Payments U.S. ACH

NACHA File Specifications

Cash Concentration or Disbursement – (CCD)

Corporate Trade Exchange Entries – (CTX)
Prearranged Payment and Deposit – (PPD)
Internet-Initiated Entries – (WEB)

July 2016
 Payments

Last Modified: July 18, 2016

This guide is confidential and proprietary to J.P. Morgan and is provided for your general information only. It is subject to change without notice
and is not intended to be legally binding. All services described in this guide are subject to applicable laws and regulations and service terms. Not
all products and services are available in all locations. Eligibility for particular products and services will be determined by JPMorgan Chase Bank,
N.A. or its affiliates. J.P. Morgan makes no representation as to the legal, regulatory or tax implications of the matters referred to in this guide.
J.P. Morgan is a marketing name for the Treasury Services businesses of JPMorgan Chase Bank, N.A., member FDIC, and its affiliates
worldwide.

©2016 JPMorgan Chase & Co. All rights reserved.

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 Payments
Table of Contents
General Information ............................................................................................................................................................ 5
Cash Concentration or Disbursement – (CCD) Application ............................................................................................ 6
FILE HEADER RECORD (1) ................................................................. 6
BATCH HEADER RECORD (5) ............................................................... 7
ENTRY DETAIL RECORD (6) ................................................................ 8
ADDENDA RECORD (7)* ................................................................... 9
BATCH CONTROL RECORD (8) ............................................................ 10
M=Mandatory; R=Required; O=Optional ....................................................... 10
FILE CONTROL RECORD (9)............................................................... 11
Corporate Trade Exchange Entries – (CTX) Application ............................................................................................... 12
FILE HEADER RECORD (1) ................................................................ 12
BATCH HEADER RECORD (5) .............................................................. 13
ENTRY DETAIL RECORD (6) ............................................................... 14
ADDENDA RECORD (7)* .................................................................. 15
BATCH CONTROL RECORD (8) ............................................................ 16
FILE CONTROL RECORD (9)............................................................... 17
Prearranged Payment and Deposit – (PPD) Application................................................................................................ 18
FILE HEADER RECORD (1) ................................................................ 18
BATCH HEADER RECORD (5) .............................................................. 19
DETAIL ENTRY RECORD (6) ............................................................... 20
BATCH CONTROL RECORD (8) ............................................................ 21
FILE CONTROL RECORD (9)............................................................... 22
Internet-Initiated Entries – (WEB) Application ................................................................................................................ 23
FILE HEADER RECORD (1) ................................................................ 23
BATCH HEADER RECORD (5) .............................................................. 24
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DETAIL ENTRY RECORD (6 ............................................................... 25
BATCH CONTROL RECORD (8) ............................................................ 26
FILE CONTROL RECORD (9)............................................................... 27

4
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General Information

Please refer to the information below, which relates to various parameters throughout this document:

Field Inclusion Requirements

Mandatory: A “Mandatory” field is necessary to ensure the proper routing and/or posting of an ACH entry. Any “Mandatory” field not
included in an ACH record will cause that entry, batch or file to be rejected by the ACH Operator. ACH Operator-rejected entries will be
returned to J.P. Morgan Chase (JPMC). ACH Operator-rejected batches and files will also be reported to JPMC.

Required: The omission of a “Required” field will not cause an entry reject at the ACH Operator, but it may cause a reject at the
Receiving Depository Financial Institution (RDFI). An example is the Depository Financial Institution (DFI) account number field in the
Entry Detail Record (6). If the Originating Depository Financial Institution (ODFI) omits the field, the RDFI may return the entry as
unable to post. You, as the Originator, and ODFI should include data classified as “Required,” to avoid processing and control
problems at the RDFI.

Optional: The inclusion or omission of an “Optional” data field is at the discretion of the Originator and the ODFI.

Numeric and ALPHAMERIC Field Requirements

RIGHT JUSTIFY all numeric fields using zeros to fill the remainder of the field unless indicated otherwise.

LEFT JUSTIFY all ALPHAMERIC fields using blank spaces to fill the remainder of the field unless indicated otherwise.

5
 Payments
Cash Concentration or Disbursement – (CCD) Application
FILE HEADER RECORD (1)
Field Field Field
Field Name File Contents Required Comments
No. Position Length

Fill field using value indicated under ‘File Contents’

1 1-1 1 RECORD TYPE CODE 1 M
column.
Fill field using value indicated under ‘File Contents’
2 2-3 2 PRIORITY CODE 01 R
column.
IMMEDIATE
3 4-13 10 b021000021 M b represents a blank space.
DESTINATION

4 14-23 10 IMMEDIATE ORIGIN 0000000000 M This is assigned by JPMC.

Must be in YYMMDD format.

5 24-29 6 FILE CREATION DATE YYMMDD M Must be less than the Effective Entry Date in the
Batch Header record, Field No. 9)

6 30-33 4 FILE CREATION TIME HHMM O Must be in HHMM format.

7 34-34 1 FILE ID MODIFIER ALPHANUMERIC M Must be UPPERCASE A-Z or 0-9

Fill field using value indicated under ‘File Contents’
8 35-37 3 RECORD SIZE 094 M
column.
Fill field using value indicated under ‘File Contents’
9 38-39 2 BLOCKING FACTOR 10 M
column.
Fill field using value indicated under ‘File Contents’
10 40-40 1 FORMAT CODE 1 M
column.
Fill field using value indicated under ‘File Contents’
IMMEDIATE JPMORGAN
11 41-63 23 O column or other valid Immediate Destination Name.
DESTINATION NAME CHASE
Note: This is a MANDATORY field for JPMC.
IMMEDIATE Your Company Name (Long)
12 64-86 23 COMPANY NAME O
ORIGIN NAME Note: This is a MANDATORY field for JPMC.

13 87-94 8 REFERENCE CODE LEAVE BLANK O Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(CCD) Application 6
 Payments
BATCH HEADER RECORD (5)

Field Field
Field Field Name File Contents Required Comments
No. Length
Position

Fill field using value indicated under ‘File Contents’

1 1-1 1 RECORD TYPE CODE 5 M column.
Fill field using value indicated under ‘File Contents’
2 2-4 3 SERVICE CLASS CODE 200 M column.
Your Company Name (Short)
3 5-20 16 COMPANY NAME * COMPANY NAME M Needs to be recognizable by the receiver
COMPANY
4 21-40 20 LEAVE BLANK O/R Fill field with blank spaces.
DISCRETIONARY DATA
COMPANY Assigned by JPMC.
5 41-50 10 0000000000 M
IDENTIFICATION
STANDARD ENTRY Fill field using value indicated under ‘File Contents’
6 51-53 3 CCD M
CLASS CODE column.
A 10 character description of the batch Example :
COMPANY ENTRY
7 54-63 10 ALPHANUMERIC M Vendor Pmt
DESCRIPTION *
COMPANY Example:
8 64-69 6 ALPHANUMERIC O JAN 03 (January 2003) or JAN 25 (January 25)
DESCRIPTIVE DATE *
Must be in YYMMDD format.
EFFECTIVE ENTRY
9 70-75 6 YYMMDD R
DATE* Must be greater than the File Creation Date in the
File Header record, Field No. 5
SETTLEMENT DATE This field can be left blank; if blank, JPMC will fill
10 76-78 3 JULIAN DATE R
(JULIAN) field in automatically.
ORIGINATOR STATUS Fill field using value indicated under ‘File Contents’
11 79-79 1 1 M
CODE column.
ORIGINATING DFI Example:
12 80-87 8 NUMERIC M
IDENTIFICATION Middle eight digits of your Immediate Origin.
Example:
13 88-94 7 BATCH NUMBER NUMERIC M Start with 0000001 and increment by 1 for each next
batch.
M=Mandatory; R=Required; O=Optional
* The information in these fields will appear on the bank statement of the individual who is receiving the transaction.

(CCD) Application 7
 Payments
ENTRY DETAIL RECORD (6)

Field Field
Field Field Name File Contents Required Comments
No. Length
Position
Fill field using value indicated under ‘File Contents’
1 1-1 1 RECORD TYPE CODE 6 M column.
Credit
23 For Checking Pre-notes
22 For Checking Dollars
33 For Savings Pre-notes
32 For Savings Dollars
ONE OF THE
FOLLOWING: Debit
2 2-3 2 TRANSACTION CODE M 28 For Checking Pre-notes
Credit: 23, 22, 33, 32 27 For Checking Dollars
38 For Savings Pre-notes
Debit: 28, 27, 38, 37 37 For Savings Dollars
Please include a minimum of 15 transactions
with dollar amounts in your test file. This will
assist in the proofing of your batch and file
totals.
3 4-11 8 RECEIVING DFI ID TTTTAAAA** M Must be a valid Routing Number
4 12-12 1 CHECK DIGIT NUMERIC M Routing Number Check Digit
5 13-29 17 DFI ACCOUNT NUMBER ALPHANUMERIC R Must be left-justified and blank space filled.
6 30-39 10 DOLLAR AMOUNT $$$$$$$$¢¢ M Must be right-justified and zero filled.
INDIVIDUAL
Must be left justified and blank space filled.
7 40-54 15 IDENTIFICATION ALPHANUMERIC O Note: This is a MANDATORY field for JPMC.
NUMBER
8 55-76 22 INDIVIDUAL NAME ALPHANUMERIC R Must be left justified and blank space filled.
9 77-78 2 DISCRETIONARY DATA LEAVE BLANK O Fill field with blank spaces.
ADDENDA RECORD 0 If no addenda record
10 79-79 1
INDICATOR
0 or 1 M 1 If addenda record
Example:
11 80-94 15 TRACE NUMBER NUMERIC M Middle eight digits of your Immediate Origin
followed by a seven-digit incremental counter.
M=Mandatory; R=Required; O=Optional
** TTTTAAAA = 4-digit Federal Reserve Routing Symbol + 4-digit ABA Institution Identifier
NOTE: For testing purposes please include a minimum of 15 transactions (Entry Detail Records).Please use as much test data that will validate the
integrity of the information from your system. This will help minimize any problems when your application goes live.

(CCD) Application 8
 Payments
ADDENDA RECORD (7)*

Field
Field Field
Position Field Name Field Contents Required Comments
No. Length

Fill field using value indicated under ‘File Contents’

1 1-1 1 RECORD TYPE CODE 7 M
column.

Fill field using value indicated under ‘File Contents’

2 2-3 2 ADDENDA TYPE CODE 05 M
column.

Invoice information or any other pertinent information

PAYMENT RELATED that the vendor needs to reconcile the payment.
3 4-83 80
INFORMATION
ALPHAMERIC O

This number indicates the number of addenda

records being sent with the associated Entry Detail
SPECIAL ADDENDA
4 84-87 4
SEQUENCE NUMBER
0001 M Record. Since only one special addenda sequence
number is allowed per six record in the CCD
applications, this field will always be 0001.

ENTRY DETAIL NUMERIC

5 88-94 7
SEQUENCE NUMBER
M Seven-digit incremental counter.

M=Mandatory; R=Required; O=Optional

* This record must be included within your file if the ADDENDA RECORD INDICATOR of the preceding Entry Detail Record (6 Record, Field 10,
Positions 79-79) is flagged with a “1”.

(CCD) Application 9
 Payments
BATCH CONTROL RECORD (8)

Field Field
Field Field Name File Contents Required Comments
No. Length
Position
Fill field using value indicated under ‘File
1 1-1 1 RECORD TYPE CODE 8 M
Contents’ column.

Fill field using value indicated under ‘File

2 2-4 3 SERVICE CLASS CODE 200 M
Contents’ column.

ENTRY/ADDENDA Must equal the number of Detail Entry

3 5-10 6
COUNT
NUMERIC M
Records within the batch.

The sum of positions 4-11 of all Entry Detail

4 11-20 10 ENTRY HASH NUMERIC M
(6) Records in the batch.
TOTAL DEBIT Must equal the total debit dollar amount in
5 21-32 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M the batch.
AMOUNT
TOTAL CREDIT
Must equal the total credit dollar amount in
6 33-44 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the batch.
AMOUNT
Assigned by JPMC.
COMPANY
7 45-54 10
IDENTIFICATION
0000000000 R Must match the Batch Header Record, Field
5
MESSAGE
8 55-73 19 AUTHENTICATION BLANK O Fill field with blank spaces.
CODE

9 74-79 6 RESERVED BLANK N/A Fill field with blank spaces.

ORIGINATING DFI Example:

10 80-87 8
IDENTIFICATION
NUMERIC M
Middle eight digits of your Immediate Origin.

Same as in the Batch Header Record, Field

11 88-94 7 BATCH NUMBER NUMERIC M
13

M=Mandatory; R=Required; O=Optional

(CCD) Application 10
 Payments
FILE CONTROL RECORD (9)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

Fill field using value indicated under ‘File

1 1-1 1 RECORD TYPE CODE 9 M
Contents’ column.

Must be equal to the number of batches in the

2 2-7 6 BATCH COUNT NUMERIC M
file.

Must be equal to the number of blocks in the

3 8-13 6 BLOCK COUNT NUMERIC M
file. Ex. - Ten lines of data equal ‘1’ block.

Must be equal to the number of detail records

ENTRY/ADDENDA
4 14-21 8
COUNT
NUMERIC M in the file. Include both entry detail and
addenda records.

The sum of positions 4-11 of all Entry Detail

5 22-31 10 ENTRY HASH NUMERIC M
Records in the batch.

TOTAL DEBIT
Must be equal to the total debit dollar amount
6 32-43 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
in the file.
AMOUNT IN FILE

TOTAL CREDIT
Must be equal to the total credit dollar amount
7 44-55 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
in the file.
AMOUNT IN FILE

8 56-94 39 RESERVED BLANK N/A Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(CCD) Application 11
 Payments
Corporate Trade Exchange Entries – (CTX) Application
FILE HEADER RECORD (1)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 1 M

2 2-3 2 PRIORITY CODE 01 R

IMMEDIATE
3 4-13 10
DESTINATION
b021000021 M b represents a blank space.

4 14-23 10 IMMEDIATE ORIGIN 0000000000 M This is assigned by JPMC.

Must be in YYMMDD format.

FILE CREATION
5 24-29 6
DATE
YYMMDD M Must be less than the Effective Entry Date in the
Batch Header record, Field No. 9

6 30-33 4 FILE CREATION TIME HHMM O Must be in HHMM format.

7 34-34 1 FILE ID MODIFIER ALPHAMERIC M Must be UPPERCASE A-Z or 0-9

8 35-37 3 RECORD SIZE 094 M

9 38-39 2 BLOCKING FACTOR 10 M

10 40-40 1 FORMAT CODE 1 M

IMMEDIATE JPMORGAN
11 41-63 23 O
DESTINATION NAME CHASE
IMMEDIATE COMPANY Your Company Name (Long)
12 64-86 23 O
ORIGIN NAME NAME
13 87-94 8 REFERENCE CODE LEAVE BLANK O

M=Mandatory; R=Required; O=Optional

(CTX) Application 12
 Payments
BATCH HEADER RECORD (5)
Field Field Field
Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 5 M

2 2-4 3 SERVICE CLASS CODE 200 M

3 5-20 16 COMPANY NAME * COMPANY NAME M Your Company Name (Short)

COMPANY
4 21-40 20
DISCRETIONARY DATA
LEAVE BLANK O/R

COMPANY
5 41-50 10
IDENTIFICATION
0000000000 M Assigned by JPMC.

STANDARD ENTRY
6 51-53 3 CTX M
CLASS CODE
COMPANY ENTRY
7 54-63 10
DESCRIPTION *
ALPHAMERIC M Example: Payment

COMPANY Example:
8 64-69 6
DESCRIPTIVE DATE *
ALPHAMERIC O
JAN 03 (January 2003) or JAN 25 (January 25)
Must be in YYMMDD format.
EFFECTIVE ENTRY
9 70-75 6
DATE*
YYMMDD R Must be greater than the File Creation Date
in the File Header record, Field No. 5
SETTLEMENT DATE This field can be left blank; if blank JPMC will fill
10 76-78 3
(JULIAN)
JULIAN DATE R
field in automatically.
ORIGINATOR STATUS
11 79-79 1
CODE
1 M

ORIGINATING DFI Example:

12 80-87 8 NUMERIC M
Middle eight digits of your immediate Origin
IDENTIFICATION
Example:
13 88-94 7 BATCH NUMBER NUMERIC M Start with 0000001 and increment by 1 for each
next batch.
M=Mandatory; R=Required; O=Optional
* The information in these fields will appear on the bank statement of the individual who is receiving the transaction.

(CTX) Application 13
 Payments
ENTRY DETAIL RECORD (6)
Field Field Field
Field Name File Contents Required Comments
No. Position Length
1 1-1 1 RECORD TYPE CODE 6 M
22 FOR CHECKING DOLLARS (CR)
23 FOR CHECKING PRENOTES (CR)
ONE OF THE 24 FOR CHECKING ZERO DOLLAR WITH
REMITTANCE DATA(CR)
FOLLOWING:
2 2-3 2 TRANSACTION CODE M
27 FOR CHECKING DOLLARS (DR)
22,23,24,27,28,29 28 FOR CHECKING PRENOTES (DR)
29 FOR CHECKING ZERO DOLLAR
REMITTANCE DATA (DR)
3 4-11 8 RECEIVING DFI ID TTTTAAAA** M Must be a valid Routing Number
Routing Number Check Digit. If necessary, refer to
4 12-12 1 CHECK DIGIT NUMERIC M Check Digit Calculation documentation included in
your Implementation Package.
5 13-29 17 DFI ACCOUNT NUMBER ALPHAMERIC R Must be left justified and blank space filled.

6 30-39 10 TOTAL AMOUNT $$$$$$$$¢¢ M Must be right justified and zero filled.
IDENTIFICATION Must be left justified and blank space filled.
7 40-54 15
NUMBER
ALPHAMERIC O Note: This a MANDATORY field for JPMC.
NUMBER OF ADDENDA
8 55-58 4
RECORDS
NUMERIC M
RECEIVING COMPANY
9 59-74 16 ALPHAMERIC R
NAME/ID NUMBER
10 75-76 2 RESERVED ALPHAMERIC BLANK

11 77-78 2 DISCRETIONARY DATA LEAVE BLANK O Fill field with blank spaces.
0 if no addenda record
ADDENDA RECORD
12 79-79 1
INDICATOR
0 OR 1 M
1 if addenda record
Example: Middle eight digits of your immediate
13 80-94 15 TRACE NUMBER NUMERIC M Origin followed by a seven-digit incremental
counter.
M=Mandatory; R=Required; O=Optional
** TTTTAAAA = 4-digit Federal Reserve Routing Symbol + 4-digit ABA Institution Identifier
NOTE: For testing purposes please include a minimum of 15 transactions (Entry Detail Records). Please use as much test data that will validate the integrity of the
information from your system. This will help minimize any problems when your application goes live.

(CTX) Application 14
 Payments
ADDENDA RECORD (7)*

Field Field Field

Field Name File Contents Required Comments
No. Position Length

RECORD TYPE
1 1-1 1
CODE
7 M

ADDENDA TYPE
2 2-3 2
CODE
05 M

The addenda record contains a remittance

PAYMENT
advice for the beneficiary. These addenda
3 4-83 80 RELATED ALPHAMERIC O
records MUST contain valid EDI
INFORMATION
transactions in an ASC X 12 format.
This number is consecutively assigned to
ADDENDA
each Addenda Record following an Entry
4 84-87 4 SEQUENCE NUMERIC M
Detail record. The first addenda sequence
NUMBER
number must always be a “1”.

ENTRY DEETAIL This number is the same as the last seven

5 88-94 7 SEQUENCE NUMERIC M digits of the trace number of the related
NUMBER Corporate Entry Detail Record.

M=Mandatory; R=Required; O=Optional

*This record must be included within your file if the ADDENDA RECORD INDICATOR of the preceding Corporate Entry Detail Record (6 Record, Field
12, Position 79) is flagged with a “1”.

(CTX) Application 15
 Payments
BATCH CONTROL RECORD (8)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 8 M

2 2-4 3 SERVICE CLASS CODE 200 M

ENTRY/ADDENDA Must equal the number of Detail Entry Records

3 5-10 6
COUNT
NUMERIC M
within the batch.

The sum of positions 4-11 of all Entry Detail (6)

4 11-20 10 ENTRY HASH NUMERIC M
Records in the batch.
TOTAL DEBIT Must equal the total debit dollar amount in the
5 21-32 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M batch.
AMOUNT
TOTAL CREDIT
Must equal the total credit dollar amount in the
6 33-44 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
batch.
AMOUNT
Assigned by JPMC.
COMPANY
7 45-54 10
IDENTIFICATION
0000000000 R Must match the Batch Header Record, Field
No.5, positions 41-50.
MESSAGE
8 55-73 19 AUTHENTICATION BLANK O
CODE

9 74-79 6 RESERVED BLANK N/A

Example:
ORIGINATING DFI
10 80-87 8
IDENTIFICATION
NUMERIC M
Middle eight digits of your Immediate Origin.
Same as in the Batch Header Record, Field No.
11 88-94 7 BATCH NUMBER NUMERIC M
13, positions 88-94.

M=Mandatory; R=Required; O=Optional

(CTX) Application 16
 Payments
FILE CONTROL RECORD (9)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 9 M

Must be equal to the number of batches in the

2 2-7 6 BATCH COUNT NUMERIC M
file.

Must be equal to the number of blocks in the

3 8-13 6 BLOCK COUNT NUMERIC M
file.

ENTRY/ADDENDA Must be equal to the number of detail records in

4 14-21 8
COUNT
NUMERIC M
the file.

The sum of positions 4-11 of all Detail Entry

5 22-31 10 ENTRY HASH NUMERIC M
Records in the file.
TOTAL DEBIT
Must be equal to the total debit dollar amount in
6 32-43 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE
TOTAL CREDIT
Must be equal to the total credit dollar amount in
7 44-55 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE

8 56-94 39 RESERVED BLANK N/A Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(CTX) Application 17
 Payments
Prearranged Payment and Deposit – (PPD) Application
FILE HEADER RECORD (1)
Field Field Field
Field Name File Contents Required Comments
No. Position Length
Fill field using value indicated under ‘File Contents’
1 1-1 1 RECORD TYPE CODE 1 M
column.
Fill field using value indicated under ‘File Contents’
2 2-3 2 PRIORITY CODE 01 R
column.
IMMEDIATE
3 4-13 10 b021000021 M b represents a blank space.
DESTINATION

4 14-23 10 IMMEDIATE ORIGIN 0000000000 M This is assigned by JPMC.

Must be in YYMMDD format.

FILE CREATION
5 24-29 6 YYMMDD M Must be less than the Effective Entry Date in the Batch
DATE
Header record. (Refer to Field No. 9)

6 30-33 4 FILE CREATION TIME HHMM O Must be in HHMM format.

7 34-34 1 FILE ID MODIFIER ALPHANUMERIC M Must be UPPERCASE A-Z or 0-9

Fill field using value indicated under ‘File Contents’

8 35-37 3 RECORD SIZE 094 M
column.
Fill field using value indicated under ‘File Contents’
9 38-39 2 BLOCKING FACTOR 10 M
column.
Fill field using value indicated under ‘File Contents’
10 40-40 1 FORMAT CODE 1 M
column.
Fill field using value indicated under ‘File Contents’
IMMEDIATE JPMORGAN
11 41-63 23 O column or other valid Immediate Destination Name.
DESTINATION NAME CHASE

IMMEDIATE Your Company Name (Long)

12 64-86 23 COMPANY NAME O
ORIGIN NAME

13 87-94 8 REFERENCE CODE LEAVE BLANK O Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(PPD) Application 18
 Payments
BATCH HEADER RECORD (5)
Field Field Field
Field Name File Contents Required Comments
No. Position Length
Fill field using value indicated under ‘File
1 1-1 1 RECORD TYPE CODE 5 M
Contents’ column.
Fill field using value indicated under ‘File
2 2-4 3 SERVICE CLASS CODE 200 M
Contents’ column.
3 5-20 16 COMPANY NAME * COMPANY NAME M Your Company Name (Short)
COMPANY
4 21-40 20 LEAVE BLANK O/R Fill field with blank spaces.
DISCRETIONARY DATA
COMPANY
5 41-50 10 0000000000 M Assigned by JPMC.
IDENTIFICATION
STANDARD ENTRY Fill field using value indicated under ‘File
6 51-53 3 PPD M
CLASS CODE Contents’ column.
COMPANY ENTRY A 10 character description of the batch Example:
7 54-63 10 ALPHANUMERIC M
DESCRIPTION * PAYROLL
Example:
COMPANY
8 64-69 6 ALPHANUMERIC O JAN 03 (January 2003) or JAN 25 (January
DESCRIPTIVE DATE *
25)
Must be in YYMMDD format.
EFFECTIVE ENTRY
9 70-75 6 YYMMDD R
DATE* Must be greater than the File Creation Date
in the File Header record. (Refer to Field 5)
SETTLEMENT DATE This field can be left blank; if blank JPMC will
10 76-78 3 JULIAN DATE R
(JULIAN) fill field in automatically.
ORIGINATOR STATUS Fill field using value indicated under ‘File
11 79-79 1 1 M
CODE Contents’ column.
ORIGINATING DFI
12 80-87 8 NUMERIC M Client defined
IDENTIFICATION
Example:
13 88-94 7 BATCH NUMBER NUMERIC M Start with 0000001 and increment by 1 for
each next batch.
M=Mandatory; R=Required; O=Optional
* The information in these fields will appear on the bank statement of the individual who is receiving the transaction.

(PPD) Application 19
 Payments
DETAIL ENTRY RECORD (6)
Field Field Field
Field Name File Contents Required Comments
No. Position Length
Fill field using value indicated under ‘File
1 1-1 1 RECORD TYPE CODE 6 M Contents’ column.
Debit
28 For Checking Pre-notes
27 For Checking Dollars
38 For Savings Pre-notes
37 For Savings Dollars
ONE OF THE
FOLLOWING: Credit
23 For Checking Pre-notes
2 2-3 2 TRANSACTION CODE M 22 For Checking Dollars
Debit: 28, 27, 38, 37 33 For Savings Pre-notes
Credit: 23, 33, 33, 32 32 For Savings Dollars

Please include a minimum of 15 transactions

with dollar amounts in your test file. This will
assist in the proofing of your batch and file
totals.
3 4-11 8 RECEIVING DFI ID TTTTAAAA** M Must be a valid Routing Number
Routing Number Check Digit. If necessary, refer to
4 12-12 1 CHECK DIGIT NUMERIC M Check Digit Calculation documentation included in
your Implementation Package.
DFI ACCOUNT
5 13-29 17 ALPHANUMERIC R Must be left justified and blank space filled.
NUMBER
6 30-39 10 DOLLAR AMOUNT $$$$$$$$¢¢ M Must be right justified and zero filled.
INDIVIDUAL
Must be left justified and blank space filled.
7 40-54 15 IDENTIFICATION ALPHANUMERIC O Note: This a MANDATORY field for JPMC.
NUMBER
8 55-76 22 INDIVIDUAL NAME ALPHANUMERIC R Must be left justified and blank space filled.
9 77-78 2 DISCRETIONARY DATA LEAVE BLANK O Fill field with blank spaces.
ADDENDA RECORD Fill field using value indicated under ‘File
10 79-79 1 0 M
INDICATOR Contents’ column.
Example:
11 80-94 15 TRACE NUMBER NUMERIC M Client defined originating DFI ID followed by a
seven-digit incremental counter.
al
M=Mandatory; R=Required; O=Option
** TTTTAAAA = 4 digit Federal Reserve Routing Symbol + 4-digit ABA Institution Identifier
NOTE: For testing purposes please include a minimum of 15 transactions (Entry Detail Records). Please use as much test data that will validate the
integrity of the information from your system. This will help minimize any problems when your application goes live.

(PPD) Application 20
 Payments
BATCH CONTROL RECORD (8)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

Fill field using value indicated under ‘File

1 1-1 1 RECORD TYPE CODE 8 M
Contents’ column.

Fill field using value indicated under ‘File

2 2-4 3 SERVICE CLASS CODE 200 M
Contents’ column.

ENTRY/ADDENDA Must equal the number of Detail Entry Records

3 5-10 6 NUMERIC M
COUNT within the batch.

The sum of positions 4-11 of all Entry Detail (6)

4 11-20 10 ENTRY HASH NUMERIC M
Records in the batch.
TOTAL DEBIT Must equal the total debit dollar amount in the
5 21-32 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M batch.
AMOUNT
TOTAL CREDIT
Must equal the total credit dollar amount in the
6 33-44 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
batch.
AMOUNT
Assigned by JPMC.
COMPANY
7 45-54 10 0000000000 R Must match the Batch Header Record, Field
IDENTIFICATION
No.5, positions 41-50.
MESSAGE
8 55-73 19 AUTHENTICATION BLANK O Fill field with blank spaces.
CODE

9 74-79 6 RESERVED BLANK N/A Fill field with blank spaces.

ORIGINATING DFI Client Defined

10 80-87 8 NUMERIC M
IDENTIFICATION

Same as in the Batch Header Record, Field

11 88-94 7 BATCH NUMBER NUMERIC M
No. 13, positions 88-94.

M=Mandatory; R=Required; O=Optional

(PPD) Application 21
 Payments
FILE CONTROL RECORD (9)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

Fill field using value indicated under ‘File

1 1-1 1 RECORD TYPE CODE 9 M
Contents’ column.

Must be equal to the number of batches in the

2 2-7 6 BATCH COUNT NUMERIC M
file.

3 8-13 6 BLOCK COUNT NUMERIC M Must be equal to the number of blocks in the file.

ENTRY/ADDENDA Must be equal to the number of detail records in

4 14-21 8 NUMERIC M
COUNT the file.

The sum of positions 4-11 of all Detail Entry

5 22-31 10 ENTRY HASH NUMERIC M
Records in the file.
TOTAL DEBIT
Must be equal to the total debit dollar amount in
6 32-43 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE
TOTAL CREDIT
Must be equal to the total credit dollar amount in
7 44-55 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE

8 56-94 39 RESERVED BLANK N/A Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(PPD) Application 22
 Payments
Internet-Initiated Entries – (WEB) Application
FILE HEADER RECORD (1)
Field Field Field
Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 1 M

2 2-3 2 PRIORITY CODE 01 R

IMMEDIATE
3 4-13 10 b021000021 M b represents a blank space.
DESTINATION

4 14-23 10 IMMEDIATE ORIGIN 0000000000 M This is assigned by JPMC.

Must be in YYMMDD format.

FILE CREATION
5 24-29 6 YYMMDD M Must be less than the Effective Entry Date in the
DATE
Batch Header record. (Refer to Field No. 9)

6 30-33 4 FILE CREATION TIME HHMM O Must be in HHMM format.

7 34-34 1 FILE ID MODIFIER ALPHANUMERIC M Must be UPPERCASE A-Z or 0-9

8 35-37 3 RECORD SIZE 094 M

9 38-39 2 BLOCKING FACTOR 10 M

10 40-40 1 FORMAT CODE 1 M

IMMEDIATE JPMORGAN
11 41-63 23 O
DESTINATION NAME CHASE
IMMEDIATE Your Company Name (Long)
12 64-86 23 COMPANY NAME O
ORIGIN NAME

13 87-94 8 REFERENCE CODE LEAVE BLANK O

M=Mandatory; R=Required; O=Optional

(WEB) Application 23
 Payments
BATCH HEADER RECORD (5)
Field Field Field
Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 5 M

2 2-4 3 SERVICE CLASS CODE 200 M

3 5-20 16 COMPANY NAME * COMPANY NAME M Your Company Name

COMPANY
4 21-40 20 LEAVE BLANK O/R
DISCRETIONARY DATA
COMPANY
5 41-50 10 0000000000 M Assigned by JPMC.
IDENTIFICATION
STANDARD ENTRY
6 51-53 3 WEB M
CLASS CODE
COMPANY ENTRY Example:
7 54-63 10 ALPHANUMERIC M
DESCRIPTION * PYMT COLL
Example:
COMPANY
8 64-69 6 ALPHANUMERIC O JAN 03 (January 2003) or JAN 25 (January
DESCRIPTIVE DATE *
25)
Must be in YYMMDD format.
EFFECTIVE ENTRY
9 70-75 6 YYMMDD R
DATE* Must be greater than the File Creation Date
in the File Header record. (Refer to Field 5.)
SETTLEMENT DATE This field can be left blank; if blank JPMC
10 76-78 3 JULIAN DATE R
(JULIAN) will fill field in automatically.
ORIGINATOR STATUS
11 79-79 1 1 M
CODE
ORIGINATING DFI Example:
12 80-87 8 NUMERIC M
IDENTIFICATION Middle eight digits of your Immediate Origin
Example:
13 88-94 7 BATCH NUMBER NUMERIC M Start with 0000001 and increment by 1 for
each next batch.
M=Mandatory; R=Required; O=Optional
* The information in these fields will appear on the bank statement of the individual who is receiving the transaction.

(WEB) Application 24
 Payments

DETAIL ENTRY RECORD (6)

Field Field Field
Field Name File Contents Required Comments
No. Position Length
1 1-1 1 RECORD TYPE CODE 6 M
28 For Checking Pre-notes
27 For Checking Dollars
38 For Savings Pre-notes
ONE OF THE
37 For Savings Dollars
FOLLOWING:
2 2-3 2 TRANSACTION CODE M
Please include a minimum of15 dollar
28, 27, 38, 37
bearing transactions in your test file.
This will assist in the proofing of your
batch and file control totals.
3 4-11 8 RECEIVING DFI ID TTTTAAAA** M Must be a valid Routing Number
Routing Number Check Digit. If necessary,
refer to Check Digit Calculation
4 12-12 1 CHECK DIGIT NUMERIC M
documentation included in your
Implementation Package.
DFI ACCOUNT
5 13-29 17 ALPHANUMERIC R Must be left justified and blank space filled.
NUMBER
6 30-39 10 DOLLAR AMOUNT $$$$$$$$¢¢ M Must be right justified and zero filled.
INDIVIDUAL Must be left justified and blank space filled.
7 40-54 15 IDENTIFICATION ALPHANUMERIC O Note: This a MANDATORY field for
NUMBER JPMC.
Field cannot be all blanks or all spaces.
8 55-76 22 INDIVIDUAL NAME ALPHANUMERIC M
Must be left justified and blank space filled.
R = Recurring WEB entry
9 77-77 1 PAYMENT TYPE CODE R
S = Single entry
10 78-78 1 DISCRETIONARY DATA LEAVE BLANK O Fill field with blank spaces
ADDENDA RECORD Fill field using value indicated under ‘File
11 79-79 1 0 M
INDICATOR Contents’ column.
Example:
Middle eight digits of your Immediate Origin
12 80-94 15 TRACE NUMBER NUMERIC M
followed by a seven digit incremental
counter
M=Mandatory; R=Required; O=Optional
** TTTTAAAA = 4-digit Federal Reserve Routing Symbol + 4-digit ABA Institution Identifier. NOTE: For testing purposes please include a minimum of
15 transactions (Entry Detail Records). Please use as much test data that will validate the integrity of the information from your system. This will help
minimize any problems when your application goes live.

(WEB) Application 25
 Payments
BATCH CONTROL RECORD (8)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

1 1-1 1 RECORD TYPE CODE 8 M

2 2-4 3 SERVICE CLASS CODE 200 M

ENTRY/ADDENDA Must equal the number of Detail Entry

3 5-10 6 NUMERIC M
COUNT Records within the batch.

The sum of positions 4-11 of all Entry Detail

4 11-20 10 ENTRY HASH NUMERIC M
(6) Records in the batch.
TOTAL DEBIT Must equal the total debit dollar amount in the
5 21-32 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M batch.
AMOUNT
TOTAL CREDIT
Must equal the total credit dollar amount in the
6 33-44 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
batch.
AMOUNT
Assigned by JPMC.
COMPANY
7 45-54 10 0000000000 R Must match the Batch Header Record, Field
IDENTIFICATION
No.5, positions 41-50.
MESSAGE
8 55-73 19 AUTHENTICATION BLANK O
CODE

9 74-79 6 RESERVED BLANK N/A

Example:
ORIGINATING DFI
10 80-87 8 NUMERIC M Middle eight digits of your Immediate Origin.
IDENTIFICATION

Same as in the Batch Header Record, Field

11 88-94 7 BATCH NUMBER NUMERIC M
No. 13, positions 88-94.

M=Mandatory; R=Required; O=Optional

(WEB) Application 26
 Payments
FILE CONTROL RECORD (9)

Field Field Field

Field Name File Contents Required Comments
No. Position Length

Fill field using value indicated under ‘File

1 1-1 1 RECORD TYPE CODE 9 M
Contents’ column.

Must be equal to the number of batches in the

2 2-7 6 BATCH COUNT NUMERIC M
file.

3 8-13 6 BLOCK COUNT NUMERIC M Must be equal to the number of blocks in the file.

ENTRY/ADDENDA Must be equal to the number of detail records in

4 14-21 8 NUMERIC M
COUNT the file.

The sum of positions 4-11 of all Detail Entry

5 22-31 10 ENTRY HASH NUMERIC M
Records in the batch.
TOTAL DEBIT
Must be equal to the total debit dollar amount in
6 32-43 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE
TOTAL CREDIT
Must be equal to the total credit dollar amount in
7 44-55 12 ENTRY DOLLAR $$$$$$$$$$¢¢ M
the file.
AMOUNT IN FILE

8 56-94 39 RESERVED BLANK N/A Fill field with blank spaces.

M=Mandatory; R=Required; O=Optional

(WEB) Application 27