Identifying Originators at the Transaction Level (if applicable)

To facilitate compliance with US law when the International ACH Transaction (IAT) payment application is used for person-to-person foreign payments, NACHA requires that the individual who is requesting the payment (instead of a merchant) must be used as the Originator. For IAT transactions, the application has the capability to allow users to override the originator information from the Category Definition page. The steps below explain how you may alter the originating organization fields while creating transactions.

Note: The originator identification override setting is used for specialized international payments; it must first be permitted by the FI at the Category Definition level in order to be used for person-to-person IAT payments.

To modify originator identification during transaction creation (for person-to-person payments)

1. Select the Transactions menu and then select the appropriate IAT category.
2. Choose Add to create a new inbound or outbound IAT transaction.
3. Enter the name, street address, city, country, state or province, and postal code of the person (instead of a merchant entity) requesting the payment. Accept the default Originator ID from the Category Definition page or modify it. The originator identification fields at the top of the page are required.
4. Complete the remaining transaction detail fields.
5. Choose Save.