diff --git a/batchSHR.go b/batchSHR.go
index 43bf020a4..71a020618 100644
--- a/batchSHR.go
+++ b/batchSHR.go
@@ -58,16 +58,21 @@ func (batch *BatchSHR) Validate() error {
 		return batch.Error("StandardEntryClassCode", ErrBatchSECType, SHR)
 	}
 
-	// SHR detail entries can only be a debit, ServiceClassCode must allow debits
+	// SHR entries can be debit, credit or mixed ServiceClassCode
 	switch batch.Header.ServiceClassCode {
-	case MixedDebitsAndCredits, CreditsOnly:
+	case MixedDebitsAndCredits, CreditsOnly, DebitsOnly:
+		// do nothing
+	default:
 		return batch.Error("ServiceClassCode", ErrBatchServiceClassCode, batch.Header.ServiceClassCode)
 	}
 
 	for _, entry := range batch.Entries {
-		// SHR detail entries must be a debit
-		if entry.CreditOrDebit() != "D" {
-			return batch.Error("TransactionCode", ErrBatchDebitOnly, entry.TransactionCode)
+		// SHR detail entries can be debit or credit
+		switch entry.CreditOrDebit() {
+		case "C", "D":
+			// do nothing
+		default:
+			return batch.Error("TransactionCode", ErrBatchTransactionCode, entry.TransactionCode)
 		}
 		if err := entry.isCardTransactionType(entry.DiscretionaryData); err != nil {
 			return batch.Error("CardTransactionType", ErrBatchInvalidCardTransactionType, entry.DiscretionaryData)
diff --git a/batchSHR_test.go b/batchSHR_test.go
index b4edf5ebc..ab077e6dd 100644
--- a/batchSHR_test.go
+++ b/batchSHR_test.go
@@ -18,6 +18,7 @@
 package ach
 
 import (
+	"path/filepath"
 	"testing"
 
 	"github.com/moov-io/base"
@@ -220,22 +221,20 @@ func BenchmarkBatchSHRAutomatedAccountingAdvices(b *testing.B) {
 	}
 }
 
-// testBatchSHRTransactionCode validates BatchSHR TransactionCode is not a credit
+// testBatchSHRTransactionCode validates BatchSHR TransactionCode is credit or debit
 func testBatchSHRTransactionCode(t testing.TB) {
 	mockBatch := mockBatchSHR(t)
-	mockBatch.GetEntries()[0].TransactionCode = CheckingCredit
+	mockBatch.GetEntries()[0].TransactionCode = AutomatedAccountingAdvices
 	err := mockBatch.Create()
-	if !base.Match(err, ErrBatchDebitOnly) {
-		t.Errorf("%T: %s", err, err)
-	}
+	require.ErrorContains(t, err, "batch #1 (SHR) FieldError TransactionCode 280 is an invalid Transaction Code")
 }
 
-// TestBatchSHRTransactionCode tests validating BatchSHR TransactionCode is not a credit
+// TestBatchSHRTransactionCode tests validating BatchSHR TransactionCode is a credit or debit
 func TestBatchSHRTransactionCode(t *testing.T) {
 	testBatchSHRTransactionCode(t)
 }
 
-// BenchmarkBatchSHRTransactionCode benchmarks validating BatchSHR TransactionCode is not a credit
+// BenchmarkBatchSHRTransactionCode benchmarks validating BatchSHR TransactionCode is a credit or debit
 func BenchmarkBatchSHRTransactionCode(b *testing.B) {
 	b.ReportAllocs()
 	for i := 0; i < b.N; i++ {
@@ -568,3 +567,23 @@ func TestBatchSHRTerminalState(t *testing.T) {
 		t.Errorf("%T: %s", err, err)
 	}
 }
+
+func TestBatchSHR_AcceptCredits(t *testing.T) {
+	file, err := ReadFile(filepath.Join("test", "testdata", "shr-credit.ach"))
+	require.ErrorContains(t, err, "*ach.FieldError CardExpirationDate 00 is an invalid month")
+	require.Len(t, file.Batches, 1)
+
+	b := file.Batches[0]
+	require.ErrorContains(t, b.Create(), "CardExpirationDate 00 is an invalid month")
+	require.ErrorContains(t, b.Validate(), "CardExpirationDate 00 is an invalid month")
+
+	bh := b.GetHeader()
+	require.Equal(t, SHR, bh.StandardEntryClassCode)
+	require.Equal(t, MixedDebitsAndCredits, bh.ServiceClassCode)
+
+	entries := b.GetEntries()
+	require.Len(t, entries, 14)
+
+	require.NoError(t, file.Create())
+	require.ErrorContains(t, err, "*ach.FieldError CardExpirationDate 00 is an invalid month")
+}
diff --git a/test/testdata/shr-credit.ach b/test/testdata/shr-credit.ach
new file mode 100644
index 000000000..ccbd33373
--- /dev/null
+++ b/test/testdata/shr-credit.ach
@@ -0,0 +1,32 @@
+101 041205259 6910001341311201446C094101Silverlake Bank & TrustASF APPLICATION SUPERVI
+5200FDR DEBIT CARD                      1470535472SHRVISA DEBIT1308221308220001111010170000033
+62204120525983133            0000002689000074692168200Adams Electric        131111010170008354
+702MVN3BV5969       000000915      HSN*HSN 265742136          800-284-3900   FL111010170008354
+62204120525983133            000000389800007441295822BAdams Electric        131111010170008433
+702E40VTL5533       000000914      O'REILLY #620              SAN ANTONIO    TX111010170008433
+62204120525983133            000000059400007449280823DAdams Electric        131111010170008552
+702WMMKVM5999       00000091500000NBEAUTYFIRST #641002        SAN ANTONIO    TX111010170008552
+62204120525983133            000001512400007444500826ZAdams Electric        131111010170008581
+7027JLPL15311       000000914      NORDSTROM DIRECT #0808     CEDAR RAPIDS   IA111010170008581
+62204120525983133            00000054110000743079282S6Adams Electric        131111010170008597
+7026KQ8J05712       00000091400000NMATTFIRM GA 7999           HOUSTON        TX111010170008597
+62204120525983133            000000250000007416407820HAdams Electric        131111010170008699
+7022E71KR3405       000000915      ENTERPRISE RENT-A-CAR      SAN ANTONIO    TX111010170008699
+62204120525983133            000001338700007444500836ZAdams Electric        131111010170008785
+702RX5G6D5310       000000915      STEIN-MART #0024           SAN ANTONIO    TX111010170008785
+62204120525983133            000000025900007438894826NAdams Electric        131111010170008883
+702AVGY2W5251       000000915000000SUNSET RIDGE HOME & HD     SAN ANTONIO    TX111010170008883
+62204120525983133            0000004999000074610438203Adams Electric        131111010170008915
+702RFNPP94899       000000914      ONE TIME/DISH NETWORK      800-333-3474   CO111010170008915
+62204120525983133            000001251300007416407820HAdams Electric        131111010170008963
+7022E746G3405       000000915      ENTERPRISE RENT-A-CAR      SAN ANTONIO    TX111010170008963
+62204120525983133            000000185400007449280823DAdams Electric        131111010170009170
+702WMPNH47394       00000091400000NNATIONSRENT #316-L         SAN ANTONIO    TX111010170009170
+62204120525983133            000000172700007416407822LAdams Electric        131111010170009254
+702RQAP6G5310       000000915      TARGET        00010678     SAN ANTONIO    TX111010170009254
+62204120525983133            0000002699000074455018115Adams Electric        131111010170009269
+70286H8HX5399       000000914045884TUESDAY MORNING #0340      SAN ANTONIO    TX111010170009269
+62204120525983133            000000106200007413829829HAdams Electric        131111010170009420
+702D4HJ0B5211       000000914      LOWE'S #1088               SAN ANTONIO    TX111010170009420
+820000002800576873500000000000000000000687161470535472                         111010170000033
+9000665001188000105450247745675000256439381000842046309