A WEB entry is an ACH payment that carries the Standard Entry Class code WEB, which stands for Internet-Initiated or Mobile Entry. The code is used for an ACH debit to a consumer's account when the consumer gave authorization over the internet or a mobile network, for example by typing bank details into a checkout page or app. It is also used for credits that one consumer sends to another through a payment service.
Because the originator never meets the customer, the Nacha Rules attach extra duties to WEB debits. The originator must obtain a clear ACH authorization, verify the customer's identity, use a commercially reasonable system to detect fraud and validate the account number when it is first used, by methods such as an ACH prenote, micro-deposits or an account validation service. Consumers keep the usual extended right to have an unauthorized debit returned. A debit authorized on paper or in person uses the PPD code instead.