A new NACHA rule, effective June 22, 2026, requires that ACH debit transactions for online purchases of physical goods include "PURCHASE" as the Company Entry Description. This rule applies to consumer (individual member) payments only and affects US operators who use ACH to collect payments for physical goods through OfficeRnD.
If you sell physical goods — such as merchandise, equipment, or supplies — through OfficeRnD and collect payment via ACH, you need to mark those Plans as physical goods in your configuration. OfficeRnD handles the rest automatically.
In this article:
Check if your payment gateway is compliant
Mark Plans as physical goods
Understand how the flag is applied
Before you begin
This only applies to US-based operators using ACH payments.
Check your gateway's compliance status in the table below before taking any action.
For a full list of ACH-supporting gateways in OfficeRnD, see Payment Gateway Integrations →
Check your gateway's compliance status
Not all gateways that support ACH in OfficeRnD have the same compliance status for this rule. Find your gateway below.
Gateway | Compliance status | What to do |
Stripe | Compliant | Mark your Plans as physical goods. OfficeRnD will automatically pass the PURCHASE flag. |
Forte | Compliant | Mark your Plans as physical goods. OfficeRnD will automatically pass the PURCHASE flag. |
Fiserv | Pending – testing in progress | No action required yet. We'll update this article when Fiserv's integration is confirmed. |
Authorize.Net | No guidance published yet | No action required yet. We're monitoring Authorize.Net's guidance and will update this article when available. |
Place | No guidance published yet | No action required yet. We're monitoring Place's guidance and will update this article when available. |
Note: If you use Fiserv, Authorize.Net, or Place for ACH payments, check back here before June 22, 2026, for the latest status.
Mark plans as physical goods
If your gateway is Stripe or Forte, take the following steps for every Plan that represents a physical good.
Go to Billing > Plans.
Open the billing plan you want to update.
Select the Physical good checkbox.
Click Update.
Repeat this for every Plan that represents a physical good. You don't need to do anything per transaction — once a Plan is marked, the flag is applied automatically.
Tip: Not sure which Plans count as physical goods? Any Plan where the member receives a tangible item — merchandise, equipment, a printed access card, and so on — should be marked. Plans for desk bookings, memberships, or services don't apply.
How the flag is applied
When a consumer payment is processed via ACH, OfficeRnD automatically passes the PURCHASE flag to your gateway if either of the following is true:
The Plan associated with the payment is marked as a physical good.
At least one line item on the transaction is marked as a physical good.
No manual action is needed per transaction. The flag is set at the Plan or line-item level and is applied automatically.
FAQs
Does this rule apply to business (company) payments?
No. The NACHA rule applies only to consumer (individual member) ACH debit transactions. Payments made under company profiles are not affected.
What happens if I don't mark my Plans before the deadline?
Transactions for physical goods processed via ACH after June 22, 2026, without the PURCHASE flag may not comply with NACHA rules. To avoid compliance issues, mark all relevant Plans before the effective date.
I use Fiserv, Authorize.Net, or Place. Do I need to do anything now?
Not yet. We're monitoring guidance from these gateways and will update this article as soon as their compliance path is confirmed. Check back before June 22, 2026.
Does this affect card payments?
No. The NACHA rule applies only to ACH debit transactions. Card payments through any gateway are not affected.
Where can I read the full NACHA rule?
The full rule details are published on the NACHA website →.