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PURCHASE word missing in AP ACH file

Created on  | Last modified on 

Summary

The ACH file must have the word PURCHASE in Company/Batch Header Record 5, position 54-63 effective 3/20/26.

Description

Nacha changes effective 3/20/26 include adding the word "PURCHASE" to the ACH file generated when processing ACH Electronic Payments. 

Nacha Risk Management Topics-Company Entry Descriptions

This doesn’t affect any Non-ACH payment types.

Cause

Nacha's change to the Operating Rules for Company Entry Descriptions is effective March 20, 2026.  All ACH originators are to use the specific description "PURCHASE" for Electronic purchases.  This is to combat fraud, along with implementing enhanced risk-based fraud monitoring for all ACH transactions, phased in throughout 2026. This field is customizable in Direct Deposit Maintenance.

The same requirement applies for Direct Deposit in Payroll "PAYROLL" - See kb 260303191755867/Defect 119051, target release Sage 100 2.26.2.

Resolution

Sage Engineering is working on a resolution to change the Company Entry Description to PURCHASE if blank in ACH Maintenance.

Target Sage 100 2026.2 July

Workaround:

NOTE:

Enable ACH Electronic Payments must be the selection for the ACH tab in Accounts Payable Options.  

 

  1. Select Accounts Payable_Setup_ACH Maintenance.
  2. Select the Bank Code and complete information.
  3. Go to the Records Tab. (Displays tab only if ACH Electronic Payments is selection.).
  4. Populate the Company Entry Description with the word "PURCHASE" and Accept.

ID 119076