NEEDHAM, Mass. — This past March marked the first year of back office conversion (BOC) process coding from NACHA–the Electronic Payments Association. According to a report from TowerGroup (, BOC has had the slowest uptake of all the standard entry class (SEC) codes released by NACHA since 2000. The TowerGroup report said that while NACHA originally envisioned BOC replacing point of purchase (POP) processing, it now sees those check conversion options growing "in parallel," driven by declining check volume and increasing debit card adoption. Those two factors will limit the "window of opportunity for a retailer to have a solid business case to implement any check conversion process."

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