UnknownCharges

ACH Standard Entry Class (SEC) Code

What does WEB mean on a bank statement?

WEB

Verified by · Updated

08/05 PAYPAL DES:TRANSFER ID:1029384756 WEB $45.20

Plain-English Definition

WEB stands for Internet-Initiated / Mobile Entry. WEB denotes an electronic payment authorized online via a website or mobile application using checking account and routing numbers.

Important: What this code is NOT

WEB is not a merchant, internet service provider, or website name. It indicates that the payment authorization took place over the internet rather than in person, by telephone, or via paper check.

Understanding WEB (Internet-Initiated / Mobile Entry)

WEB is an ACH classification code used when a consumer authorizes a business to debit funds from their bank account over the internet or through a mobile app.

Common examples include paying an electric bill on an online utility portal, initiating an ACH transfer through PayPal or Venmo, or paying a credit card balance on an issuer's website using direct debit.

Nacha rules require merchants processing WEB debits to use commercially reasonable fraud detection systems and annual security audits to protect account credentials.

How to Locate the Actual Merchant

Because WEB specifies the underlying payment rail or transaction type, you must examine the accompanying text on your statement to identify where you actually shopped or paid:

  1. Step 1 Examine the text before or after 'WEB' on your statement line (e.g., 'PAYPAL DES:TRANSFER WEB' or 'CHASE EPAY WEB').
  2. Step 2 Search your email for online order confirmations or electronic payment receipts matching the date and dollar amount.
  3. Step 3 Check digital wallets and peer-to-peer payment apps (PayPal, Venmo, Robinhood) for recent bank transfers initiated from your account.

Common Statement Line Formats

Financial institutions typically format WEB entries like this:

  • PAYPAL DES:TRANSFER ID:1029384756 WEB
  • AMERICAN EXPRESS WEB PMT 260805
  • VERIZON WIRELESS ONLINE WEB
  • GEICO DIRECT AUTO WEB PMT

Verified Primary Sources

Every technical definition on this page is checked against official banking and regulatory rules: