ACH, NACHA CTX & CCD+: choosing the right utility payment rail

Paying a utility is easy; reconciling thousands of payments is not. The ACH addenda you use determine how much remittance detail travels with each payment — and therefore how easily it reconciles.

CCD+ carries a single addenda record — enough to reference an invoice or account, ideal for high-volume, straightforward bulk payments.

CTX supports many addenda records, allowing structured remittance for complex, multi-invoice payments — useful when a single payment covers many bills.

The right choice depends on the supplier and the payment. BillPortal generates compliant files automatically and attaches remittance, so reconciliation is a by-product, not a chore.