Implement Nacha's WEB debit account validation rule for internet-initiated ACH debits

Steps

1. Recognize that WEB is the SEC code required for consumer ACH debits authorized over the internet or a wireless network, distinct from PPD, CCD, or TEL entries.
2. Add an account validation step (e.g., real-time account/routing verification, micro-deposits, or an instant-verification service) that runs on the first use of a bank account number and again whenever a previously used account number changes.
3. Treat account validation as one required component of a broader 'commercially reasonable fraudulent transaction detection system' for WEB debits — validation alone does not satisfy the rule if fraud screening on other elements is missing.
4. Log and retain evidence of the validation result and detection-system logic applied to each first-time WEB debit, since your ODFI or a Nacha audit may request proof of the process.
5. Block origination on validation failure instead of silently proceeding, and give the originator a path to collect corrected account details before retrying.