US NACHA ACH File Generator, ABA Validator & Parser
Pricing
from $20.00 / 1,000 ach entry generated or parseds
US NACHA ACH File Generator, ABA Validator & Parser
Convert CSV, Excel rows, or JSON into bank-ready 94-character US NACHA ACH files (PPD Payroll, CCD Vendor, WEB) with 10-point ABA routing checksum validation, or parse raw ACH files to JSON.
Pricing
from $20.00 / 1,000 ach entry generated or parseds
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FinOps Studio
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US NACHA ACH File Generator, ABA Routing Validator & Parser (PPD, CCD, WEB)
Generate strict 94-character fixed-width US NACHA ACH files (.ach) for Direct Deposit Payroll (PPD), Corporate Vendor Payments (CCD), and Online ACH Collections (WEB) from CSV spreadsheets or JSON—or parse raw NACHA files back into clean JSON.
Built-In US Bank Treasury Validations
- 10-Point ABA Routing Number Checksum: Verifies every 9-digit US bank routing number (
(3*(d1+d4+d7) + 7*(d2+d5+d8) + (d3+d6+d9)) mod 10 === 0) before generating the batch so a single-digit typo never causes a bank return fee. - Exact Entry Hash & Cent-Exact Control Totals: Computes Record
8(Batch Control) and Record9(File Control) 10-digit Entry Hashes and 12-digit cent-exact Credit (22/32) & Debit (27/37) sums. - Automatic Block-Factor-10 Padding: Pads files to exact multiples of 10 lines with
9999...filler records as required by J.P. Morgan Chase, Bank of America CashPro, Wells Fargo CEO, CitiDirect, PNC, and SVB. - Two-Way Mode (
generate&parse): Also decodes incoming 94-character NACHA files into clean JSON arrays forn8n,Make.com,Zapier, and MCP AI Agents.
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Disclaimer: Technical 94-character NACHA formatting and ABA checksum utility provided "as-is", without financial or legal advice. Always verify routing numbers, account numbers, and control totals in your bank portal before transmitting ACH batches.
