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EDI 820 Payment Order & Remittance Advice Specifications

The X12 820 transaction set provides the EDI format for transmitting information relating to payments. It is typically used in conjunction with an electronic transfer of funds for payment of goods, insurance premiums or other transactions. The actual funds transfer is often coordinated through the Automated Clearinghouse (ACH) system, and an 820 may be effectively wrapped in an ACH banking transaction. The 820 transaction is used in a number of situations:
  • By businesses to provide instructions to banks for making a payment, such as a funds transfer, to a payee
  • By businesses directly to individual suppliers to communicate the details of a pending payment, including adjustments reflected in the payment
  • By companies providing premium payment information to health insurance plans
The information provided in an 820 document includes payer and payee identification, bank and account IDs, invoice number(s), adjustments from an invoice, billed and paid amounts. This information allows the suppliers and health plans to reconcile payments they receive against invoices they have issued. In healthcare, the 820 is similar to the EDI 835 transaction set. The 820 is specifically for plan sponsors – that is, companies providing healthcare benefits to their employees – to transmit information on premium payments to the health plans. The 835 is used by the health plans for transmitting information on payments to healthcare providers. With so many rules, and constant changes, it may be hard to keep it all straight. To get you where you need to go, don’t hesitate to contact 1 EDI Source Professional Services. With more than 20 years of experience building and implementing EDI solutions, we have the knowhow and the tools to help you. Contact 1 EDI Source to discuss your needs.

EDI 820 Format

ISA*01*0000000000*01*0000000000*ZZ*ABCDEFGHIJKLMNO*ZZ*123456789012345*101127*1719*U*00400*000003438*0*P*> GS*RA*4405197800*999999999*20111219*1726*299*X*004060 ST*820*0289 BPR*I*4858.77*C*ACH*PBC TRN*1*8888856834 CUR*BY*USD REF*ZZ*8888856834 DTM*020*20111213 N1*PE*1 EDI SOURCE REF*VR*999999 N1*PR*ABC CORP ENT*1 RMR*IV*999742**631.55*644.44*12.89*PT*0 REF*PO*9995987985 DTM*999*20111206 RMR*IV*999734**489.81*499.81*10*PT*0 REF*PO*0007986970 DTM*999*20111206 RMR*IV*999740**882.51*900.52*18.01*PT*0 REF*PO*0007987985 DTM*999*20111206 RMR*IV*999735**1559.45*1591.28*31.83*PT*0 REF*PO*0008987657 DTM*999*20111206 RMR*IV*999736**7.78*7.94*0.16*PT*0 REF*PO*0005987886 DTM*999*20111206 RMR*IV*999744**342.17*349.15*6.98*PT*0 REF*PO*0009988315 DTM*999*20111206 RMR*IV*999741**946.68*966*19.32*PT*0 REF*PO*0008987985 DTM*999*20111206 RMR*OS*64024003**-1.18*-1.18*0*CM*0 REF*PO*990209 DTM*999*20111202 SE*35*0289 GE*1*299 IEA*1*000000299

EDI 820 Specification

This X12 Transaction Set contains the format and establishes the data contents of the Payment Order/Remittance Advice Transaction Set (820) for use within the context of an Electronic Data Interchange (EDI) environment. The transaction set can be used to make a payment and/or send a remittance advice. This transaction set can be an order to a financial institution to make a payment to a payee. It can also be a remittance advice identifying the detail needed to perform cash application to the payee's accounts receivable system. The remittance advice can go directly from payer to payee, through a financial institution, or through a third party agent.


Accredited Standards Committee X12. ASC X12 Standard [Table Data]. Data Interchange Standards Association, Inc., Falls Church, VA. http://www.x12.org

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