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EDI 820 Sample File: Remittance Advice

ACH payment for 2 invoices with deductions. Valid X12 004010, explained segment by segment, free to download.

A synthetic file: made-up companies, IDs and amounts, safe to load into a test system.

An EDI 820 tells a supplier what a customer paid and why. This sample pays 439.30 by ACH against two invoices: RMR lines show what each invoice was and what was paid, and ADX lines explain a 250.00 label chargeback, a 200.00 late-ASN deduction and a 3.70 terms discount.

Standard
X12 820
Version
004010
Sent by
Buyer to supplier
Segments
22

sample-820-remittance-advice.edi

From KROGER to SUNNYFARMS. Click a line to jump to its explanation.

Open in EDI Inspector
ISA*00*          *00*          *ZZ*KROGER         *ZZ*SUNNYFARMS     *261020*0700*U*00401*000881201*0*P*>~GS*RA*KROGER*SUNNYFARMS*20261020*0700*881201*X*004010~ST*820*0001~BPR*C*439.30*C*ACH*CTX*01*071000013*DA*1234567890*1234567890**01*021000021*DA*9876543210*20261020~TRN*1*0009912345*1123456789~CUR*PR*USD~DTM*097*20261020~N1*PR*THE KROGER CO*92*KR001~N1*PE*SUNNY FARMS FOODS*92*SUN001~ENT*1~ADX*-250.00*FY*1X*DM-889021~NTE*ADD*CARTON LABELS DID NOT SCAN AT DC 014~RMR*IV*INV-20931**508.00*708.00~REF*PO*PO-778120~DTM*003*20261014~ADX*-200.00*70*TD*ASN NOT RECEIVED BEFORE ARRIVAL~RMR*IV*INV-20950**181.30*185.00*3.70~REF*PO*PO-778301~DTM*003*20261021~SE*18*0001~GE*1*881201~IEA*1*000881201~

820 Sample, Segment by Segment

Every segment and element, with what each code means. The 6 segments with a note are open; open any other to see its elements.

  1. 1ISAInterchange control header
    ISA01
    Authorization information qualifier
    00
    ISA03
    Security information qualifier
    00
    ISA05
    Sender ID qualifier
    ZZMutually defined
    ISA06
    Interchange sender ID
    KROGER
    ISA07
    Receiver ID qualifier
    ZZMutually defined
    ISA08
    Interchange receiver ID
    SUNNYFARMS
    ISA09
    Interchange date
    261020Oct 20, 2026
    ISA10
    Interchange time
    070007:00
    ISA11
    Standards identifier (repetition separator in 005010)
    U
    ISA12
    Interchange control version number
    00401
    ISA13
    Interchange control number
    000881201
    ISA14
    Acknowledgment requested (TA1)
    0No acknowledgment requested
    ISA15
    Usage indicator
    PProduction
    ISA16
    Component element separator
    >
  2. 2GSFunctional group header
    GS01
    Functional identifier code
    RAPayment order / remittance advice (820)
    GS02
    Application sender's code
    KROGER
    GS03
    Application receiver's code
    SUNNYFARMS
    GS04
    Date
    20261020Oct 20, 2026
    GS05
    Time
    070007:00
    GS06
    Group control number
    881201
    GS07
    Responsible agency code
    XAccredited Standards Committee X12
    GS08
    Version / release / industry identifier
    004010
  3. 3STTransaction set header
    ST01
    Transaction set identifier code
    820Payment order / remittance advice
    ST02
    Transaction set control number
    0001
  4. 4BPRBeginning segment for payment order / remittance advice

    BPR02: 439.30 paid by ACH (BPR04) in CTX format (BPR05), effective Oct 20.

    BPR01
    Transaction handling code
    CPayment accompanies remittance advice
    BPR02
    Payment amount
    439.30
    BPR03
    Credit/debit flag
    CCredit
    BPR04
    Payment method code
    ACHAutomated Clearing House (ACH)
    BPR05
    Payment format code
    CTXCorporate trade exchange (CTX)
    BPR06
    Payer bank ID qualifier
    01ABA routing number
    BPR07
    Payer bank routing number
    071000013
    BPR08
    Payer account number qualifier
    DADemand deposit (checking)
    BPR09
    Payer account number
    1234567890
    BPR10
    Originating company identifier
    1234567890
    BPR12
    Payee bank ID qualifier
    01ABA routing number
    BPR13
    Payee bank routing number
    021000021
    BPR14
    Payee account number qualifier
    DADemand deposit (checking)
    BPR15
    Payee account number
    9876543210
    BPR16
    Payment effective date
    20261020Oct 20, 2026
  5. 5TRNTrace number

    TRN02 is the trace number. Match it to the bank deposit.

    TRN01
    Trace type code
    1Current transaction trace number
    TRN02
    Trace number (payment reference)
    0009912345
    TRN03
    Originating company identifier
    1123456789
  6. 6CURCurrency
    CUR01
    Entity identifier code
    PRPayer
    CUR02
    Currency code
    USD
  7. 7DTMDate/time reference
    DTM01
    Date/time qualifier
    097
    DTM02
    Date
    20261020Oct 20, 2026
  8. 8N1Party identification
    N101
    Entity identifier code
    PRPayer
    N102
    Name
    THE KROGER CO
    N103
    Identification code qualifier
    92Assigned by buyer
    N104
    Identification code
    KR001
  9. 9N1Party identification
    N101
    Entity identifier code
    PEPayee
    N102
    Name
    SUNNY FARMS FOODS
    N103
    Identification code qualifier
    92Assigned by buyer
    N104
    Identification code
    SUN001
  10. 10ENTEntity
    ENT01
    Assigned number (remittance entity)
    1
  11. 11ADXAdjustment

    A 250.00 chargeback (FY) for carton labels that did not scan, with debit memo DM-889021.

    ADX01
    Adjustment amount
    -250.00
    ADX02
    Adjustment reason code
    FYFee or chargeback
    ADX03
    Reference identification qualifier
    1X
    ADX04
    Reference identification
    DM-889021
  12. 12NTENote
    NTE01
    Note reference code
    ADDAdditional information
    NTE02
    Note text
    CARTON LABELS DID NOT SCAN AT DC 014
  13. 13RMRRemittance advice open item reference

    Invoice INV-20931 was 708.00, paid 508.00.

    RMR01
    Reference identification qualifier
    IVSeller's invoice number
    RMR02
    Reference identification (invoice number)
    INV-20931
    RMR04
    Amount paid
    508.00
    RMR05
    Invoice amount
    708.00
  14. 14REFReference identification
    REF01
    Reference identification qualifier
    POPurchase order
    REF02
    Reference identification
    PO-778120
  15. 15DTMDate/time reference
    DTM01
    Date/time qualifier
    003Invoice date
    DTM02
    Date
    20261014Oct 14, 2026
  16. 16ADXAdjustment

    A 200.00 deduction (70): the ASN did not arrive before the truck.

    ADX01
    Adjustment amount
    -200.00
    ADX02
    Adjustment reason code
    70Deduction
    ADX03
    Reference identification qualifier
    TD
    ADX04
    Reference identification
    ASN NOT RECEIVED BEFORE ARRIVAL
  17. 17RMRRemittance advice open item reference

    Invoice INV-20950 was 185.00, paid 181.30 after a 3.70 terms discount.

    RMR01
    Reference identification qualifier
    IVSeller's invoice number
    RMR02
    Reference identification (invoice number)
    INV-20950
    RMR04
    Amount paid
    181.30
    RMR05
    Invoice amount
    185.00
    RMR06
    Discount taken
    3.70
  18. 18REFReference identification
    REF01
    Reference identification qualifier
    POPurchase order
    REF02
    Reference identification
    PO-778301
  19. 19DTMDate/time reference
    DTM01
    Date/time qualifier
    003Invoice date
    DTM02
    Date
    20261021Oct 21, 2026
  20. 20SETransaction set trailer
    SE01
    Number of included segments (ST to SE)
    18
    SE02
    Transaction set control number (matches ST02)
    0001
  21. 21GEFunctional group trailer
    GE01
    Number of transaction sets included
    1
    GE02
    Group control number (matches GS06)
    881201
  22. 22IEAInterchange control trailer
    IEA01
    Number of included functional groups
    1
    IEA02
    Interchange control number (matches ISA13)
    000881201

Reconcile this 820

The 820 remittance reader lists every invoice, payment and deduction and builds the dispute facts.

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About This 820 Sample

Cash application lives in the 820. BPR gives the payment, TRN the trace number that matches the bank deposit, and each RMR the invoice it pays. Any gap between invoiced and paid should have an ADX with a reason code; if it does not, you have a short payment to chase.

Grocery and big-box retailers send deductions this way. Match each one to your ASN and delivery records before you accept it.

For every segment the standard allows and how retailers use them, read the EDI 820 guide. To check a file of your own, paste it into the EDI Inspector, or browse all 22 EDI sample files.

Related Sample Files

Frequently Asked Questions

What is an EDI 820?

An EDI 820 tells a supplier what a customer paid and why. This sample pays 439.30 by ACH against two invoices: RMR lines show what each invoice was and what was paid, and ADX lines explain a 250.00 label chargeback, a 200.00 late-ASN deduction and a 3.70 terms discount.

Can I use this EDI 820 sample to test my system?

Yes. It is a complete, valid X12 file of 22 segments with made-up companies, IDs and amounts. Download it as .edi or .txt, load it into your translator or ERP test environment, and change the sender and receiver IDs to your test IDs if your system routes by them.

How do I check my own EDI 820 file?

Paste it into the free OrderSync EDI Inspector. It names every segment and element, checks the envelope counts and control numbers, tests GS1 check digits, and points at the exact segment a trading partner would reject. Nothing is uploaded: the file is read in your browser.

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