Which ACH entry format includes ANSI X12 or UN/EDIFACT payment-related records?

The CTX format, which stands for Corporate Trade Exchange, is designed to include payment-related records formatted according to the ANSI X12 or UN/EDIFACT standards. This makes it particularly useful for businesses that need to convey additional information along with ACH payments, such as invoices or related transaction details. The inclusion of detailed remittance information enables enhanced reconciliation processes for organizations, as they can directly link payments to the corresponding invoices or documents.

In contrast, the CIE format is primarily intended for customer-initiated electronic payments and does not support the extensive additional data that CTX allows. The ACH File Format is a more general term, encompassing various types of ACH entries without specifically denoting the detailed structure required for transaction remittance data. CPS, or Consumer Presentment Services, is not a standard ACH entry format and instead refers to specific services surrounding consumer payment presentations. Thus, CTX stands out as the correct choice due to its capability of integrating X12 or UN/EDIFACT payment-related records.