Nacha defines a PPD entry as: “a credit or debit entry (other than an MTE of POS entry) initiated by an organization pursuant to a standing or a single entry authorization from a Receiver to effect a transfer of funds to or from a Consumer Account of the Receiver.[7] Prior to the origination of a PPD entry to the consumer’s account, the consumer must have authorized the Originator to initiate the entry to such an account. This authorization must be in writing and signed or similarly authenticated by the consumer, and the consumer must be provided with an electronic or paper copy of the authorization. The authorization must be readily identifiable as an authorization and must clearly and conspicuously state its terms, as well as indicate that the Receiver may revoke the authorization by notifying the Originator in the manner specified in the authorization. The authorization process must evidence both the consumer’s identity and his or her assent to the transaction.[8] Further, the Nacha Operating Rules require that the PPD entry contain certain information, including, but not limited to, the Receiver’s bank routing number and account number.[9]  In addition, the consumer must be provided an electronic or paper copy of the authorization.[10]”