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

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.

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.

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:

 

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