---
page_title: ACH Debit customer bank statement references
product: LotusPay
platform: Web
page_source: https://juspay.io/in/docs/lotuspay/web/nach-debit-flow/ach-debit-customer-bank-statement-references
llms_txt: https://juspay.io/in/docs/llms.txt
product_llms_txt: https://juspay.io/in/docs/lotuspay/llms.txt
---


# ACH Debit customer bank statement references




## The customer's bank statement will show descriptive narration for payments collected through LotusPay.



When a customer pays a merchant through LotusPay, the customer's bank statement will contain some descriptive text to explain the nature of the NACH Debit transaction. This is known as the 'narration'.

Destination banks (i.e. the customers' banks) are required by NPCI to display the following in the customer's bank statement:

* Creditor's name (20 characters, alpha-numeric) e.g. _VEDA SERVICES_
* Input transaction reference number (~14 characters, alpha-numeric) e.g. _VEDA11ABCDEFGH_

Many destination banks also include:

* NACH transaction sequence reference number (10 characters, numeric) e.g. _1234567890_
* Creditor utility code owner's name e.g._VEDA SERVICES PVT LTD_


## Narrations by destination banks




#### HDFC Bank



* Narration: _ACH D- VEDA SERVICES P-MERCHANTNAME_
* Cheque/reference field: 000000_1234567890_


#### Yes Bank



* Narration: _ACH DR VEDA SERVICES P MERCHANTNAME-1234567890_
* Cheque/reference field: _n/a_


#### HSBC



* Narration: _ECS-VEDA SERVICES P MERCHANTNAME1 1234567890_
* Cheque/reference field: _n/a_

---

## See Also

- [ACH Debit transaction dates](https://juspay.io/in/docs/lotuspay/web/nach-debit-flow/ach-debit-transaction-dates)
- [ACH Debit dispute resolution](https://juspay.io/in/docs/lotuspay/web/nach-debit-flow/ach-debit-dispute-resolution)