1. US NACHA User Guide
  2. NACHA Payments
  3. NACHA Credit Transfer
  4. Credit Inbound Transaction Processing
  5. Zero Dollar Entry Processing

Zero Dollar Entry Processing

Incoming NACHA credit transaction is treated as Zero Dollar Entry if the following conditions are met:
  • The SEC code is either CCD or CTX.
  • The transaction code is equal to 24, 34, 44, or 54.
  • The Transfer Amount is zero.
  • If the above conditions are satisfied the transaction is marked as ‘Zero Dollar Entry’.
If incoming credit is marked as ‘Zero Dollar Entry’, the system checks the following conditions:
  • Creditor Account (for credits), is valid (open, authorized)
If the ‘Zero Dollar Entry’ check box is selected, the system skips the following processing:
  • Duplicate Check
  • Auth Limit Check
  • FX Limit Check/Rate Pick up
  • Pricing Check
  • ECA Check
  • Addenda Records
  • Advice Generation

Note:

Standard/Same Day processing steps are applicable for zero dollar transactions.

ACK/ATX acknowledgment generation is supported.

Zero Dollar Entry Processing (Manually Booked)

The system validates the following conditions for Zero Dollar Entry:
  • The ‘Zero Dollar Entry’ check box is selected.
  • The SEC code is either CCD or CTX.
  • The transaction code is equal to 24, 34, 44, or 54.
  • The Transfer Amount is zero.
  • If validation fails, the system upfront rejects the transaction and displays an error message.

Parent topic: Credit Inbound Transaction Processing