An ACH file is a fixed-width, ASCII file, with each line exactly 94 characters in length. Each line of characters is known as a “record” and is comprised of various “fields” that are at specific positions …

Jun 9, 2019 · Mandatory and Required: You need to complete all fields marked “Mandatory” and “Required” in order to completely submitted. Generally, for a “Required” field we need a specific …

If you're interested in learning the details of an ACH file - or if you want to create your own ACH file without a tool - here's the nitty gritty. See ACH File Format specifications for Nacha PPD and CCD.

Dec 17, 2025 · What is the NACHA File Format? A NACHA file is an electronic set of instructions that triggers a batch of ACH payments when uploaded into a bank portal. The file must be formatted in …

A NACHA file, also known as an ACH file, is a standardized file format that banks use to initiate batches of ACH payments. It’s a fixed-width ASCII text file that is 94 characters in width, composed of various …

Aug 6, 2025 · But what exactly is a NACHA file — and why does it matter? In this post, we’ll break it down in simple terms so you can understand what NACHA files are, what they contain, and how …

NACHA File Format Specifications Guide Refer to the National Automated Clearing House Association (NACHA) Operating Rules for information concerning the rules and guidelines governing ACH. All …

Aug 1, 2024 · Discover how Nacha governs ACH transactions for secure payments. Learn file structure, benefits, and how Rho simplifies ACH batch processing.

The ACH format is fixed length ASCII, record length 94, Block 10. The file layout is as follows: single file can contain multiple batches, in which case a batch header record will immediately follow the batch …

Note: ACH File layouts are more fully defined in the Nacha Operating Rules in Appendix Three. There is much more detail as to the specific requirements and contents of these fields.