> ## Documentation Index
> Fetch the complete documentation index at: https://docs.straddle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Understanding consent methods: Internet vs. Signed

> Compare internet (WEB) and signed (PPD) consent methods for ACH payments to choose the authorization type that fits your customer flow and Nacha rules.

<Tip>
  **TL;DR:** Choose "**internet**" for electronic consent obtained via web or mobile apps. Choose "**signed**" for signed agreements, including e-signatures like DocuSign, obtained *before* initiating payments.

  \
  **Note:** If you're a B2B company that holds signed contracts, even though you may submit payments via the web portal or payment app, you would select "Contract".
</Tip>

During the Straddle application process, you will be asked to select how you obtain [authorization](/help/Payment-Compliance/ach-auth) for electronic payments from your customers. Choosing the correct method is crucial for payment compliance per regulators like [Nacha](/help/ACH101/what-is-nacha). The two options are "internet" and "contract."

## Authorization use cases

| Authorization Use Case                                     | Consent Method to Select |
| ---------------------------------------------------------- | ------------------------ |
| Business to Business contract                              | `signed`                 |
| Business to Consumer contract                              | `signed`                 |
| Web Authorization via payment portal or mobile application | `internet`               |

<Info>
  You can select both `signed` and `internet` options if your business uses multiple consent methods.
</Info>

## Internet consent

Select this option if you collect electronic consent through a web portal or mobile application.

### Examples

* Customers agree to terms by clicking a "checkbox" agreeing to electronic consent
* Users authorize payments within your mobile app
* Consent is given through an online form submission

### Key considerations

* Typically used for digital-first businesses
* Suitable for recurring payments set up online
* Must comply with electronic consent regulations and [WEB SEC code](/help/Payment-Compliance/sec-codes) requirements

## Signed consent

Select this option if you obtain a signed agreement from your customer *before* initiating a payment; *this includes electronic signatures*.

### Examples

* B2B or B2C contracts signed in person or E-signature services like DocuSign, Adobe sign, etc (relates to [PPD or CCD SEC codes](/help/Payment-Compliance/sec-codes))
* Emailed agreements returned with a digital signature

### Key considerations

* Often used for high-value or long-term agreements
* Use this option for business-to-business transactions (see [CCD entries](/help/Payment-Compliance/sec-codes) for B2B requirements)