File and company settings
Enter the immediate destination and origin, company name and ID, ODFI identification, file creation values, and any bank-supplied reference code exactly as approved.
NACHA File Generator
Use this NACHA file creator to build an ACH file for PPD or CCD payments.
1
ACH file details
Enter your ACH settings, or load fictitious sample data to explore the generator.
Receiver type
Required bank settings
Your bank or ACH provider should give you these file-sender values. They are required even when the receiver is an individual. Enter them exactly as approved and do not guess.
- Payments
- 1
- Credits
- $0.00
- Debits
- $0.00
Advanced file details
- Batches
- 1
- Addenda
- 0
- Entry hash
- 0000000000
2
Entries
| Row | Receiver | Routing | Account | Amount | Payment type | Trace | Addenda | Actions |
|---|---|---|---|---|---|---|---|---|
| 1✓ |
3
Validation
Complete the file details and entry fields, then select Generate ACH file to run validation.
.ach
Enter the name only. The .ach extension is added automatically.
Check the file before transmission
Browse all toolsContinue with a tool that fits the next step in this workflow.
When to create a file without a spreadsheet
Use the form when you have a small payment run or need to assemble a controlled PPD or CCD batch without mapping CSV or Excel columns. The page separates file settings, company and batch settings, and receiver entries so each layer can be reviewed before download.
For a recurring export with many rows, a CSV or Excel converter may be more efficient. The generator is intended for direct entry, not for removing report headings, subtotal rows, formulas, or worksheet formatting.
Originator, batch, and receiver fields
Payment classification
Choose the service class, PPD or CCD SEC code, Company Entry Description, effective entry date, and discretionary data for the purpose of this batch.
Receiver entries
Add the receiver name, routing number, account number, amount, account type, credit or debit direction, identification value, and optional addenda supported by the selected entry.
What the downloaded file contains
The generated text includes a File Header, a Batch Header, one Entry Detail per receiver, eligible Addenda Records, a Batch Control, a File Control, and type 9 padding. Counts, entry hashes, debit totals, credit totals, block count, batch numbers, and trace sequences are rebuilt from the current form values.
Cases that need another workflow
- Use CSV to ACH or Excel to ACH when the source is a structured payment table.
- Do not use PPD or CCD when the receiver, authorization channel, or bank instructions require another SEC code.
- Do not treat a generated file as proof of receiver authorization or account ownership.
- Run the download through the validator and compare totals before sending it to the ODFI.
Questions about building an ACH file
Is a NACHA file creator the same as an ACH file generator?
In this workflow, yes. The creator builds an ACH payment file using the fixed-width NACHA record format, controls, and padding.
Can the generator create both ACH credits and debits?
Yes. Each receiver entry uses a transaction code based on account type and credit or debit direction. Review the service class and totals before download.
Can one batch mix PPD and CCD entries?
No. The SEC code belongs to the Batch Header. Create separate batches when consumer and corporate entries require different classifications.
Are control totals calculated automatically?
Yes. The output rebuilds entry and addenda counts, routing hashes, debit and credit totals, batch and file controls, block count, and padding.
Will every bank accept the downloaded file?
Not automatically. The structure can be valid while company IDs, effective dates, balancing rules, or transmission settings differ from the ODFI profile.
Which authoritative sources support this page?
Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.
- Nacha ACH File Details — Official record-field guidance, including Batch Header SEC codes and addenda capabilities.
- Nacha ACH File Overview — Official explanation of files, batches, entries, controls, and batch grouping.
- Nacha: How ACH Works — Official overview of ACH participants, consumer and corporate payments, and authorization responsibilities.
- 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.