Consumer Banking and Payments Law: 5.12.2.2 Point-of-Purchase (POP) and Back Office Conversion (BOC) Entries
For point of purchase (POP) ECCs, NACHA rules prohibit the merchant from manually entering information about the check.1374 Instead, the merchant must use a check reader that scans the check and records the routing number, account number, and check number from the MICR line on the check. After the merchant obtains information from the check, the merchant enters the amount of the transaction.