A CCD entry is a payment sent through the United States Automated Clearing House network under the code CCD, which stands for Corporate Credit or Debit. CCD is one of the Standard Entry Class codes that label every ACH entry by type. It identifies a credit or debit between accounts held by businesses or other organizations, as opposed to a PPD entry, which involves a consumer's account.
Companies use CCD entries to pay suppliers, collect from business customers that have agreed to be debited, pay taxes, and sweep money between their own accounts for cash concentration. A CCD entry can carry one addenda record with a short line of remittance detail, a form often written CCD+; payments needing fuller invoice data use the related CTX code. Under the Nacha rules, the window to return an unauthorized corporate debit is much shorter than for consumer debits, so businesses monitor their accounts daily or use debit blocks.