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ACH Credit Specifications

FAMLI Version 1.0

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FAMLI Payments via ACH Credit

Document Summary

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Record Format Specifications and Layout

FAMLI accepts ACH credit payments using the National Automated Clearing House Association (NACHA) Cash Concentration and Disbursement Plus One Addenda Record (CCD+) format.

This document provides details on how employers and TPAs should format the following required ACH record types in their NACHA files:

  1. Record 6 - Entry Detail Record
  2. Record 7 - Addenda Record and FAMLI’s TXP Addenda Formatting

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FAMLI Routing & Account Number

Direct your bank to issue an ACH Credit payment to FAMLI:

  • Routing Number: 021052053
  • Account Number: 72878553

Who is ACH Credit available to?

Employers and third party administrators (TPAs) can make payments to the Colorado Family and Medical Leave Insurance (FAMLI) program by issuing an ACH Credit (Automated Clearing House) through their bank.

This payment option is available to employers and TPAs who meet all of the following prerequisites:

  • Have already established ACH credit payment processes with their bank.
  • Are already familiar with NACHA file formats and can support the ACH CCD+ format.
  • Can include the required ACH addenda detail as specified in this document.

TPAs must provide addenda detail information for each employer to ensure that employer’s FAMLI account is credited accordingly.

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Version History

Document Control

3

Version

Version Date

Author

Version Commentary

0.1

Oct 13, 2022

Jude Tibay

Initial Draft

0.2

Dec 8, 2022

Jude Tibay

Updated Draft - confirmed CCD+ with TXP format for Record 7 Addenda details

1.0

Dec 14, 2022

Jude Tibay

Final Draft - published to famli.colorado.gov website

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Table of Contents

4

Seq

Content

1

2

3

4

5

6

7

8

Addenda Use Case Scenarios

  • Scenario A: TPA makes ACH payment for 1 employer
  • Scenario B: Employer makes ACH payment for themselves
  • Scenario C: TPA makes ACH payment for multiple employers

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ACH Credit Specs

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ACH Credit | NACHA Specification

CCD+ Sequence of Records

6

CCD+ Format ACH File

          • File Header Record (Type 1)
  • Company Batch Header Record (Type 5)
  • Entry Detail Record (Type 6)
          • Addenda Record (Type 7)
  • Entry Detail Record (Type 6)
          • Addenda Record (Type 7)
  • …
  • Entry Detail Record (Type 6)
          • Addenda Record (Type 7)
  • Company/Batch Control Record (Type 8)
  • File Control Record (Type 9)

Record Type Code

Record Type

Covered in this Document?

1

File Header Record

No

5

Company Batch Header Record

No

6

Yes

7

Yes

8

Company/Batch Control Record

No

9

File Control Record

No

A CCD+ formatted ACH File will contain one or more Entry Detail Records (Type 6) with exactly 1 Addenda Record (Type 7). This document only covers the specifications for Entry Detail and Addenda Records.

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Entry Detail Record (6)

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ACH Credit | NACHA Specification

Record 6 - Entry Detail Record Layout Format

8

Field

Position

Size

Req?

Contents

Data Element Name

Questions / Comments

1

01 - 01

1

M

‘6’

Always “6”

2

02 - 03

2

M

‘22’

Transaction Code

“22” for Checking Credit

3 & 4

04 - 12

9

M

‘021052053’

Receiving DFI Identification

FAMLI’s UPIC Routing Number = 021052053

5

13 – 29

17

M

‘72878553’

DFI Account Number

FAMLI’s UPIC Account Number = 72878553. Left justify, blank fill.

6

30 – 39

10

M

$$$$$$$$$¢¢

Amount

Dollar Amount of Credit. Right justify, zero fill. Do NOT insert decimal point; last two digits are assumed to be cents.

7

40 – 54

15

R

Alphanumeric

Payor Identification Number

Payor organization’s identification number. Left justify, blank fill.

Depending on payor’s organization, this identifier can be an FEIN, ITIN or SSN.

8

55 – 76

22

R

Alphanumeric

Payor Name

First 22 characters of the payor organization’s legal business name.

Left justify, blank fill.

9

77 – 78

2

O

‘ ‘

Discretionary Data

Not used by FAMLI

10

79 – 79

1

M

'1'

Addenda Record Indicator

Always insert “1” - FAMLI requires an addenda record be included with ACH credit payments to include employer’s FAMLI-issued 10-digit account number.

11

80 – 94

15

M

Numeric

Trace Number

Used to trace the transaction through the system in case of error.

Right justify, zero fill – The last seven positions is the Entry Detail Sequence

Number in ascending order to entries in the batch (0000001, 0000002, 0000003,…)

Required?

M = Mandatory

R = Recommended

O = Optional

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FAMLI ACH Credit | NACHA Specification

Record 6 - Entry Detail Record | Sample Data

9

Position

77

78

79

80

81

82

83

84

85

86

87

88

89

90

91

92

93

94

Contents

​

​

1

0

4

2

0

0

0

0

1

0

0

0

0

0

0

3

Data Element

Discretionary Data

Addenda Record Indicator

Trace Number

Position

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

76

Content

9

9

-

1

2

3

4

5

6

7

​

​

​

​

​

A

C

M

E

​

P

a

y

r

o

l

l

​

S

e

r

v

i

c

e

s

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Data Element

Individual ID Number

Individual name

Position

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

Content

6

2

2

0

2

1

0

5

2

0

5

3

7

2

8

7

8

5

5

3

​

​

​

​

​

​

​

​

​

0

0

0

0

6

5

4

3

2

1

Data Element

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Transaction Code

Receiving DFI Identification

DFI Account Number

Amount

62202105205372878553 000065432199-1234567 ACME Payroll Services 1042000010000003

Sample Data Record:

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Addenda Record (7)

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ACH Credit | NACHA Specification

Record 7 - Addenda Record Layout Format

11

Field

Position

Size

Req?

Content

Data Element Name

Questions / Comments

1

01 – 01

1

M

‘7’

Record Type Code / NACHA REQUIRED FIELD

2

02 - 03

2

M

’05’

Addenda Type Code

The Standard Addenda Records will always be 05

3

04 – 83

3

M

4

84-87

4

M

0001 

Addenda Sequence Number

Addenda Sequence Number, right justify, zero fill.

NACHA REQUIRED FIELD

5

88-94

7

M

 0000001

Entry Detail Sequence Number

Entry Detail Sequence Number: Use the same

number as in the corresponding data (6) record, right

justify, zero fill

Required?

M = Mandatory

R = Recommended

O = Optional

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TXP Addenda Format

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ACH Credit Payment - TXP Addenda Format

Record 7 – Field 3: Payment Related Info

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Delimiters

    • “TXP” segment identifier
    • “*” to delimit segments
    • “\” to end a segment

Data Type

    • AN – Alpha Numeric
    • N2 - denotes a numeric type data element with two decimal places to the right of a fixed, implied decimal point. Decimal point not transmitted. Always a positive number.

Length

Specifies the minimum and maximum length of that data element. For example, 1/10 indicates that this data element must be at least one character, but not more than ten characters.

Field Requirement

    • M – Mandatory
    • R – Recommended (equivalent to optional)
    • O - Optional

Data Element Reference�Designator & Name

Content

Field Requirement

Data Type

Length

Commentary

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Segment Identifier

‘TXP’

M

AN

3/3

Required by NACHA-TXP format

TXP01

FAMLI Employer Account Number

XXXXXXXXXX

M

AN

10/10

FAMLI-issued 10-digit Account Number/ID

TXP02

Employer Payment Amount

$$$$$$$$¢¢

M

N2

1/10

Amount that will be credited to employer’s FAMLI account balance

TXP03

Employer Identification Number (FEIN, ITIN, SSN)

XXXXXXXXXXXXXXX

R

AN

1/15

FEIN, ITIN or SSN of employer - used for troubleshooting issues with provided FAMLI Account Number. Dashes OK

TXP04

Payor Identification Number�(FEIN, ITIN, SSN)

XXXXXXXXXXXXXXX

R

AN

1/15

FEIN, ITIN or SSN of a third-party administrator paying on behalf of employer – used for auditing purposes. Dashes OK

Field

Position

Size

Req?

Content

Data Element Name

Commentary

3

04 – 83

3

M

Payment Related Information

Left justified, blank fill.

Reference: Tax Payment (TXP) Banking Convention

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FAMLI ACH Credit | NACHA Specification

Record 7 - Addenda Record TXP | Sample Data

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Position

41

42

43

44

45

46

47

48

49

50

51

52-83

84

85

86

87

88

89

90

91

92

93

94

Content

9

9

-

1

2

3

4

5

6

7

\

{blank spaces}

0

0

0

1

0

0

0

0

0

0

1

Data Element

TXP04: Payor Identification Number (FEIN, ITIN, SSN)

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Unused�Space

Addenda Sequence Number

Entry Detail Sequence Number

Position

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

27

28

29

30

31

32

33

34

35

36

38

39

40

Content

7

0

5

T

X

P

*

1

2

3

4

5

6

7

8

9

0

*

1

2

3

4

5

6

*

8

8

-

1

2

3

4

5

6

7

*

Data Element

​

​

​

Segment Identifier

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TXP01: Employer FAMLI Account#

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TXP02: Employer Payment Amount

​

TXP03: Employer Identification Number (FEIN, ITIN, SSN)

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705TXP*1234567890*123456*88-1234567*99-1234567\ 00010000001

Sample Data Record:

Scenario A: A third-party administrator (TPA) with an FEIN of 99-1234567 is making an ACH credit payment in the amount of for an amount of $1,234.56 on behalf of an employer whose FAMLI Account Number is 1234567890 and whose FEIN is 88-1234567.

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FAMLI ACH Credit | NACHA Specification

TXP Addenda Use Case Scenarios

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705TXP*1234567890*123456**\ 00010000001

This is also an acceptable format because both the employer and payor FEINs are optional. However, it is highly recommended that these are included. In the case that the 10-digit FAMLI Employer Account ID/Number is invalid, FAMLI will leverage these FEINs to investigate and ensure the correct FAMLI account is credited.

705TXP*1234567890*123456*88-1234567*\ 00010000001

This is also an acceptable format because the employer is also the payor.

705TXP*1234567890*123456*88-1234567*88-1234567\ 00010000001

Scenario B: An employer with a FAMLI Account Number of 1234567890 and a FEIN of 88-1234567 is paying their own FAMLI premium for an amount of $1,234.56

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FAMLI ACH Credit | NACHA Specification

TXP Addenda Use Case Scenarios

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62202105205372878553 000002231799-1234567 ACME Payroll Services 1042000010000003

705TXP*1000067800*22317*123-45-6789*99-1234567\ 00010000001

62202105205372878553 000785630099-1234567 ACME Payroll Services 1042000010000003

705TXP*1000205300*7856300*88-1234567*99-1234567\ 00010000002

62202105205372878553 000012345699-1234567 ACME Payroll Services 1042000010000003

705TXP*1000779100*123456*954-75-8120*99-1234567\ 00010000003

Scenario C: A third-party administrator ACME Payroll Services is making an ACH Credit payment for FAMLI premium dues on behalf of 3 of their Colorado-based customers. The TPA’s FEIN is 99-1234567.

  1. A sole-proprietor with a FAMLI Account Number of 1000067800 and an SSN of 123-45-6789 with dues totaling $223.17
  2. A corporation with a FAMLI Account Number of 1000205300 and an FEIN of 88-1234567 with dues totaling $78,563.00
  3. A employer with a FAMLI Account Number of 1000779100 and an ITIN of 954-75-8120 with dues totaling $1,234.56

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Appendix

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Appendix: Glossary

Terminology Used in this Document

CCD

CCD (Cash Concentration and Disbursement) is an ACH (Automated Clearing House) payment type that is used to consolidate funds between business entities. An example of a CCD is paying for services provided by a business.

CCD+ Format

The CCD+ format is a National Automated Clearing House Association (NACHA) ACH corporate payment format with a single 80 character addendum record capability. The addendum record is used by the originator to provide additional information to the payment recipient about to the payment.

NACHA Format

A NACHA format is an industry–standard file format established by the National Automated Clearing House Association (NACHA) for delivering ACH (Automated Clearing House) transaction data between financial institutions. A NACHA–formatted ACH file is a fixed–width, 94–character text file.

ACH Credit

An Automated Clearing House (ACH) credit is a payor-initiated disbursement of funds from the (payor) organization's settlement account to the (payee) receiver's account that is listed in the transaction.

ACH Files

An ACH file is a fixed-width, ASCII file, with each line exactly 94 characters in length. Each line of characters is known as a “record” and is comprised of various “fields” that are at specific positions within that line. In a properly formatted file, records must follow a specific order.

Source: https://achdevguide.nacha.org/ach-file-overview

Addenda

Additional payment information that is kept with ACH (Automated Clearing House) payment instructions. FAMLI’s prescribed addenda format captures the employer’s FEIN and 10-digit FAMLI ID / account number – as well as the payor’s FEIN which can be different than the employer’s FEIN if the payment is made by a third-party administrator (TPA).

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Appendix: NACHA Transaction Codes

**Common Transaction Codes (Refer to the NACHA rule book for a complete list of transaction codes.)

  • 32 – Savings Credit
  • 33 – Savings Credit Prenote
  • 37 – Savings Debit
  • 38 – Savings Debit Prenote
  • 22 – Checking Credit
  • 23 – Checking Credit Prenote
  • 27 – Checking Debit
  • 28 – Checking Debit Prenote

Transaction Codes

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End of Specifications