PPD - Prearranged Payment and Deposit - Used to pay or collect from personal (consumer)

accounts. Examples include direct deposit of payroll to employees, payments to individuals

and collections from personal (consumer) clients.
CCD-cash concentration and disbursement for corporate credits and debits. CCD is a type
of Automated Clearing House electronic payment format that provides rapid, secure
transfers for which funds clear overnight through the ACH network

What is the difference between the formats such as PPD, CCD, CTX and others?
You can have up to 9,999 addendum records in CTX format, where as CCD can support one
addendum record
More details....
These abbreviations relate to an 'application' type, and help determine the detail record
format. ACH applications are classified as being either consumer or corporate payments,
depending on the relationship between the parties.
Common applications are:
PPD - Prearranged Payment and Deposit Entry (Consumer)
This is used for credit transactions such as direct deposit of payroll, pension, dividends, as
well as debit transactions such as payment of utility bills, mortgages, loans and other
recurring payments.
CCD -Cash Concentration or Disbursement (Corporate)
Can be used to consolidate and sweep cash funds within an entity's controlled accounts, or
make/collect payments to/from other corporate entities.
The format and information requirements for PPD and CCD are identical. In addition they
each can support one addendum record.
CTX - Corporate Trade Exchange (Corporate)
Supports the transfer of funds (debit or credit) with another entity in which you have an
existing trading relationship. This format supports ANSI ASC X12 payment related
information, which can be placed in multiple (up to 9,999) addendum records.
Notes:
· The CTX format is different than the PPD and CCD.
· You can combine PPD, CCD and CTX batches within the same transmission file.