Control total verification

Control total verification compares the control total information from the inbound transmission to the control total configuration table. If a match is found, normal processing continues. If no match is found, the transmission is placed in the held status and no further ingestion processing is done. Use the alert notification task to send an optional alert notification to the originator.

Note: Control total verification is not available for Check.

For ACH, the control total verification service provides a way to specify file or batch (ICL) control totals for ACH origination. Control total matching is done by the originating depository financial institution (ODFI) on behalf of a subscribing originator. Participants that subscribe to this service submit transaction totals that are used to validate the file or batch (ICL) totals in the ACH data received. Because the control totals and the actual ACH transactions are usually sent by different personnel, control totals can help verify that the correct ACH transactions were received from the originator.

For concatenated NACHA transmissions, a separate control total for each child transmission in the concatenated transmission is expected.

Use an inbound service to subscribe a participant to control total verification.

Control total information

Control total information includes the following data.
Originator ID
The ID of the originator.
Credit amount
Total amount, in dollars, of the credit entries within the transmission.
Debit amount
Total amount, in dollars, of the debit entries within the transmission.
File ID modifier
Unique identifier for this input file.
Entry hash (hash total)
The sum of positions 4-11 on each detail record. Only the final 10 positions are used in the entry.
Note: This information is specific to ACH.
Entry addenda count
Total number of the entry detail and addenda records processed within the batch (ICL).
Note: This information is specific to ACH.
Payment standard
The payment standard type for the transmission.

Restarting held transmissions

When transmissions are held due to control total verification, they can be restarted in the following ways.
  • An operator can manually restart the transmission without control total verification or manually restart it after a new control total is created.
  • The held transmissions can be restarted automatically when they match any new control totals. The new control totals are either received from the participant or manually created by using the user interface.