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A check presented in-person to a merchant for purchase is presented as an ACH entry instead of a physical check. POS Point of Sale: A debit at an electronic terminal initiated by use of a plastic card. An example is using a debit card to purchase gas. PPD Prearranged Payment and Deposits: Used to credit or debit a consumer account.
A Universal Payment Identification Code (UPIC) is an identifier (or banking address) for a bank account in the United States used to receive electronic credit payments. [1] A UPIC acts exactly like a US bank account number and protects sensitive banking information.