JA Technology Solutions
NACHA/ACH File Explorer
Parse ACH payment files into readable records. View entries, totals, and export to CSV or JSON.
NACHA/ACH File Explorer
Parse NACHA/ACH payment files into readable records. Navigate file header, batches, and individual entries in a collapsible tree showing company names, SEC codes, effective dates, routing and account numbers, transaction code descriptions, and amounts at each level. Batch and file control totals are verified against computed sums, so hash mismatches, entry count discrepancies, and debit/credit imbalances surface immediately. Export entries as CSV, JSON, or Excel with full batch context for reconciliation, or load the sample file to see how it works. Everything runs in your browser — your payment data never leaves your machine.
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What Is a NACHA/ACH File?
NACHA (National Automated Clearing House Association) files are the standard format for ACH (Automated Clearing House) electronic payments in the United States. Every direct deposit payroll, vendor payment, insurance premium, and recurring bill payment flows through the ACH network as a NACHA-formatted file. The format uses fixed-width records: a File Header (1), Batch Headers (5), Entry Detail records (6), optional Addenda (7), Batch Control (8), and File Control (9), each exactly 94 characters.
Reading Transaction Codes
Each ACH entry carries a two-digit transaction code that determines how the receiving bank processes it — checking credit (22), checking debit (27), savings credit (32), and so on. Prenotes use different codes (23, 28, 33, 38) to validate account information before sending live payments. This tool decodes every transaction code and displays routing numbers, account numbers, amounts, and company identification in a readable format.
Automating ACH Payments
This tool is useful for inspecting individual files, but production ACH processing requires automated generation, validation, and secure delivery. I build ACH integration pipelines that pull payment data from ERP and accounting systems, generate compliant NACHA files, validate against bank requirements, and deliver via secure SFTP — with reconciliation against return files. Learn about integration services or get in touch.
All tools run entirely in your browser. Your data never leaves your machine. Need help? Ask James.