WesPay Accredited ACH Professional (AAP) Practice Exam 2025 - Free ACH Professional Practice Questions and Study Guide

The correct answer is C, which refers to the IAT (International ACH Transaction) SEC Code. The IAT uniquely requires a Batch Header Record due to its specific regulations and processing requirements when dealing with cross-border transactions. This Batch Header Record is essential in providing additional information necessary for the smooth processing of international payments, such as designating the transaction as an international transfer.

The unique nature of IAT transactions means that they must comply with specific regulatory standards, and the Batch Header Record serves as an identifier that indicates the transactions are international in scope. Other SEC Codes such as PDC (Prearranged Debit), WEB (Internet-initiated entries), and CCD (Cash Concentration or Disbursement) do not have this requirement for a unique Batch Header Record. Instead, they adhere to their established parameters, which do not necessitate the additional level of detail required for IAT transactions. This distinction is critical for professionals working with ACH to understand the unique compliance and operational requirements for different transaction types.