Context

When making ACH payments, you may need to include additional information to help the payer and payee understand the transfer. This could include reference numbers, invoice details, or other transaction-specific information.

Answer

There are two fields available for including additional data with ACH:

1. Description Field
   - Limited to 10 characters
   - Best for short reference codes or identifiers

2. Addenda Field
   - Provides up to 80 characters
   - Recommended for detailed payment information
   - Ideal for including invoice numbers, purchase order references, or other transaction details