Build a PPD or CCD ACH file without a spreadsheet. Free, no signup, and your file is processed locally in your browser.
Primary topic: ACH file generator
Enter your ACH settings, or load fictitious sample data to explore the generator.
| # | Routing | Account | Receiver | Amount | Tx Code | Trace | Addenda | Actions |
|---|---|---|---|---|---|---|---|---|
| 1.1 |
Complete the file details and entry fields, then select Generate ACH file to run validation.
Output: ach-payments.ach
The ACH file generator builds a PPD or CCD NACHA file from manually entered originator, batch and receiver information. Use this ACH file generator as a practical first step, then review its results carefully. use only approved originator information and obtain required authorizations before initiating real entries.
A reliable ACH file generator workflow starts by confirming the business purpose before changing or exporting any data. This page is designed for builds a PPD or CCD NACHA file from manually entered originator, batch and receiver information. It performs the supported work locally, so the source does not need to be sent to a conversion service. Use the ACH file generator with an approved source and a clearly defined expected result.
Start with your bank and company settings plus one or more receiver entries with routing, account, amount and transaction type. Work from a copy, preserve leading zeros and remove unrelated report headings or totals that could be mistaken for transaction data.
Use the on-page controls, then compare the displayed batch count, entry count, total debits and total credits with the source expectation. Investigate warnings instead of assuming that a downloadable result is correct.
The expected result is a complete ACH file with correctly positioned records and recalculated control values. Before transmission or downstream import, review ODFI identifiers, company ID, SEC code, effective date, service class, transaction codes, totals and trace numbers, save the source separately and follow your organization’s approval process.
Confirm that the selected input really contains your bank and company settings plus one or more receiver entries with routing, account, amount and transaction type. A renamed extension does not convert a spreadsheet, PDF or binary export into a valid ACH-related source.
Compare entries one batch at a time. Missing rows, duplicated rows, amount scaling, debit-versus-credit selection and malformed addenda can all change counts or monetary totals.
Format validation does not verify enrollment or bank policy. use only approved originator information and obtain required authorizations before initiating real entries. Ask the ODFI for the rejection code and compare it with the company profile, identifiers and processing date.
It builds a PPD or CCD NACHA file from manually entered originator, batch and receiver information. The ACH file generator processes the data locally in your browser and does not require an account.
It needs your bank and company settings plus one or more receiver entries with routing, account, amount and transaction type. Files remain on your device during processing.
You will get a complete ACH file with correctly positioned records and recalculated control values. Review the result before using it in an operational workflow.
Check ODFI identifiers, company ID, SEC code, effective date, service class, transaction codes, totals and trace numbers. Also remember that use only approved originator information and obtain required authorizations before initiating real entries.
Collect your bank and company settings plus one or more receiver entries with routing, account, amount and transaction type. Keep the bank-approved company settings separate from receiver details so they can be reviewed independently before generation.
Yes. Entry and addenda counts, routing hashes, debit and credit totals, batch controls, file controls, block count and type 9 padding are rebuilt from the current entries.
The software can create a technical file, but it cannot establish authorization. You remain responsible for the authorization, notice, timing and record-retention requirements that apply to each entry.
Record approved company and ODFI settings in your controlled internal documentation. Recheck them whenever your bank relationship, account, SEC code or processing instructions change.
Technical explanations are checked against these primary sources. Bank-specific requirements can be narrower than general format guidance.
Sources reviewed August 20, 2026. Nacha owns and maintains the linked materials.
ACH files use the NACHA fixed-width format: every record is 94 characters, files contain one or more batches, and control records reconcile entry counts, routing-number hashes, debits and credits. Always confirm bank-specific settings with your financial institution before uploading a production file.