Explaining an Addenda Record

Addenda records can be added to certain types of transactions within the ACH Network as a note or memo containing information about a specific payment.

The Benefits of Addenda Records

An addenda record is a customizable field that allows the business initiating the payment to attach a note or memo to that payment. That data can take any form the business wants it to, but it is typically supplementary data and pertinent payment details that help with payment identification and reconciliation later on. Addenda records are also called ACH addenda records or Nacha addenda records.

• Provide Additional Transaction Information
  When doing hundreds or thousands of payments each week, including addenda information provides insight into a specific transaction.

• Improve Record Keeping
  Addenda information simplifies the reconciliation process for accounting and finance teams.

• Increase Communication
  Addenda records allow for both financial institutions involved in an ACH transaction to communicate addenda information.

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Send payment context along with the payment itself

Addenda records let you attach additional information to ACH payments: invoice numbers, descriptions, or remittance details that travel with the transaction through the ACH network.

Key Benefits

What changes for your team

Outcomes that matter to the teams responsible for payments, product delivery, and operations.

Rich Payment Context

Attach up to 80 characters of additional data to each ACH payment. Invoice numbers, purchase order references, or payment descriptions.

Recipient Visibility

Addenda data appears on the recipient's bank statement alongside the payment. Reduce payment inquiries by providing context upfront.

Improved Reconciliation

Recipients can match incoming payments to outstanding invoices using the addenda information. Fewer manual lookups on both sides of the transaction.

Standard ACH Format

Addenda records follow Nacha formatting standards. Compatible with any bank's ACH reporting and reconciliation systems.

How It Works

From integration to production

A clear path from first API call to live payment operations.

1. Include addenda in your API call
   Add the addenda field to your payment request with the information you want to send. Dwolla formats it to Nacha standards automatically.

2. Payment travels with context
   The addenda record moves through the ACH network attached to the payment. It appears in the recipient's bank reporting.

3. Both sides reconcile faster
   Your team and your recipients can match payments to invoices, orders, or accounts using the addenda data. Less back-and-forth.

Built for Scale

80 chars
Per addenda record
Nacha
Standard format
All ACH
Standard + Same Day
126M+
Annual transactions

Give your payments more context

See how addenda records help both sides of the transaction reconcile faster with less manual effort.