NACHA File Generator API

About This API

This REST API service generates compliant NACHA (National Automated Clearing House Association) formatted files from your input data. NACHA files are used for ACH (Automated Clearing House) transactions in the banking system.

The API handles the complexity of NACHA file formatting, including:

Fixed-width field formatting
Batch and file header/footer generation
Control total calculations
Hash sum calculations
Record count tracking
Block padding

Quick Start

Generate a NACHA file with a simple POST request:

POST /api/v1/nacha/generate
Content-Type: application/json

{
  "file_header": {
    "immediate_destination": "123456789",
    "immediate_origin": "987654321",
    "file_id_modifier": "A"
  },
  "batches": [
    {
      "batch_header": {
        "service_class_code": "200",
        "company_name": "COMPANY ABC",
        "company_id": "1234567890",
        "standard_entry_class": "PPD",
        "company_entry_description": "PAYROLL",
        "originating_dfi_id": "123456789"
      },
      "entries": [
        {
          "transaction_code": "22",
          "receiving_dfi_id": "123456789",
          "dfi_account_number": "123456789",
          "amount": "100000",
          "individual_name": "John Doe",
          "trace_number": "123456789012345"
        }
      ]
    }
  ]
}

See Full Documentation

Validation

Comprehensive data validation ensures your NACHA files are compliant with ACH requirements.

Automatic Calculations

All control totals, hash sums, and record counts are calculated automatically.

Downloadable Files

Download ready-to-use NACHA files that can be submitted to financial institutions.