What NACHA Navigator does

NACHA file parsing and visualization: Drop in any ACH file and see every record — File Header (type 1), Batch Headers (type 5), Entry Details (type 6), Addenda (type 7), Batch Controls (type 8), and File Control (type 9) — color-coded with every field labeled and clickable.
ACH file validation and troubleshooting: Spot unbalanced batch totals, invalid routing number check digits, bad effective entry dates, wrong record lengths, and missing blocking-factor padding before your bank rejects the file.
ACH reversal file generation: Select erroneous entries from an original file and generate a compliant NACHA reversal file — transaction codes flipped, control totals recalculated, and the required "REVERSAL" company entry description set.
Batch total and control record auditing: Verify total debit and credit dollar amounts, entry and addenda counts, and entry hash values against your payment register.

Private by design

NACHA Navigator parses your file entirely in your browser using client-side JavaScript. Your ACH file is never uploaded, stored, or transmitted — account numbers, routing numbers, and payment data stay on your device.

Free to use

Viewing, validating, and generating reversal files is free. A built-in sample file lets you explore the NACHA format without uploading anything.

See real-world use cases for payroll, banking, treasury, fintech, and compliance teams