topic Re: ACH Addenda in Community Forum

ACH Addenda

dibiasef — Thu, 26 Mar 2026 13:25:14 GMT

Has anyone had experience adding an addenda record to an ACH payment?

We recently had a payment rejected with error R25 (addenda record is missing). It appears we need to include an addenda record so we can pass a policy number, and even if we are able to add the addenda record I’m not entirely sure where that value (policy number) should be entered within the process.

My initial thought is that we may need to add a bank/payment record to the EFT Destination Table and possibly enter an EFT File Format of CCD+ , but I’m not confident that’s the correct approach.

If anyone has gone through this before, I’d appreciate any guidance, best practices, or suggestions.

Thank you,

Re: ACH Addenda

tamara48wells — Mon, 20 Apr 2026 08:52:04 GMT

To fix error R25, you need to add an addenda record to your ACH file, which is usually done in the CCD+ format. You usually put the policy number or other required reference information in the Payment Related Information field of the addenda segment. This is where you put the addenda record. In practice, this means adding CCD+ to the EFT Destination Table entry and making sure that the addenda record is linked correctly to the payment detail record so that the receiving bank can process it without rejecting it.

Re: ACH Addenda

dibiasef — Mon, 20 Apr 2026 11:40:32 GMT

Thank you very much for this information. I'll be sure to let you know how this works out.