ACH File Converter

ACH File Repair

Repair padding, line endings, hashes, counts and control totals.

1

Source ACH/NACHA file

Confirm what the repair changed

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Continue with a tool that fits the next step in this workflow.

Problems suitable for automatic repair

Repair is appropriate when values can be derived from the existing records without deciding who should be paid or how much. Examples include stale counts, hashes, totals, controls, line endings, and padding.

How the file is reconstructed

Record normalization

Parseable records are restored to 94 characters with consistent line boundaries and valid hierarchy.

Calculated controls

Batch and file counts, hashes, debit totals, credit totals, trace sequences, block count, and padding are regenerated.

Findings that still need a person

  • Wrong receiver account or amount.
  • Unapproved company or ODFI identifiers.
  • Incorrect SEC code or authorization basis.
  • Effective-date and bank-specific balancing decisions.

Evidence to retain after repair

Keep the original, the repaired output, validation results, and a comparison of changed records. A structurally repaired file still needs payment approval and bank-specific review.

Questions about repairable ACH findings

Can repair fix a line with the wrong number of characters?

Only when the record remains interpretable without guessing payment data. Truncated or shifted fields may require a new export from the source system.

Does repair change amounts or accounts?

It should not invent business instructions. Those changes belong in an authorized editing or source-system workflow.

Why validate again after repair?

A second validation confirms the rebuilt hierarchy and controls and exposes any non-repairable findings that remain.

Which authoritative sources support this page?

Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.

  1. Nacha ACH File Details — Official record-field guidance, including Batch Header SEC codes and addenda capabilities.
  2. Nacha ACH File Overview — Official explanation of files, batches, entries, controls, and batch grouping.
  3. Nacha: How ACH Works — Official overview of ACH participants, consumer and corporate payments, and authorization responsibilities.
  4. Nacha Operating Rules Topics — Current rule changes and implementation topics published by Nacha.

Sources reviewed August 20, 2026. Nacha owns and maintains the linked materials.