2 files changed, 4 insertions, 1 deletions
diff --git a/Changes b/Changes
index 5e83b69..85372bc 100644
--- a/Changes
+++ b/Changes
@@ -2,6 +2,8 @@ Revision history for Perl extension Business::OnlinePayment::IPPay.
 
 0.10  unreleased
         - UserIPAddr is now UserIPAddress
+        - ACH SEC code: Allow setting, default to CCD for business accounts,
+          PPD otherwise (was: always PPD)
 
 0.09  Tue Jun 10 23:26:54 PDT 2014
         - Set UDField3 per IPPay request
diff --git a/IPPay.pm b/IPPay.pm
index 8060892..666f5e8 100644
--- a/IPPay.pm
+++ b/IPPay.pm
@@ -448,7 +448,8 @@ sub _xmlwrite {
   if ( $item eq 'ACH' ) {
     $att{'Type'} = $self->{_content}->{'account_type'}
       if $self->{_content}->{'account_type'}; #necessary so we don't pass empty?
-    $att{'SEC'}  = 'PPD';
+    $att{'SEC'}  = $self->{_content}->{'nacha_sec_code'}
+                 || ( $att{'Type'} =~ /business/i ? 'CCD' : 'PPD' );
   }
 
   $writer->startTag($item, %att);