ACH File Generator | CSV or Excel to NACHA - Bank-Statement-Conversion
Bank payment file generator

ACH File Generator | CSV or Excel to NACHA

Generate ACH payment files in NACHA format from spreadsheet data for payroll, vendor payments, and payouts.

CSV or Excel
Upload payment rows from spreadsheets your team already uses.
Mapped columns
Auto-detect common headers or override each field manually.
Bank format
Download ACH, CPA005, SEPA, BACS, ABA, or NZ payment files.
Structure validationMasked bank detailsCSV/XLS/XLSX input
NACHA / ACH · Structure validation

Upload CSV or Excel

Map your recipient columns, enter originator details, validate, and download through the existing conversion flow.

Account
Guest
Output
NACHA / ACH
Upload CSV or ExcelCSV, XLS, and XLSX files are supported.
CSV XLS XLSX
Leave mapping fields blank to let us infer columns from your headers.
NACHA / ACH setup
Enter the originator fields your bank assigned to you.
Column mapping
Auto-detect normal headers, or map custom spreadsheets manually.
Auto-detect is on
We will infer payee, amount, date, reference, and bank account columns from your headers.
Review confirmation
I confirm the originator details are accurate and this file will be reviewed with the bank before production upload.
Standard-format payment files

From spreadsheet to bank review file

Upload payment rows, confirm the bank setup fields, validate the structure, then download through the same conversion and credit flow.

Masked previewExisting pricingToken downloads
1

Upload a payment spreadsheet

Start with a CSV or Excel file containing payee names, payment amounts, dates, references, and bank account details.

2

Map fields and validate

Confirm originator details, map recipient columns, and let the generator check account identifiers, dates, totals, and required fields.

3

Download for bank review

Generate a standard-format payment file and review it with your bank before sending live payroll, vendor, rent, or payout batches.

NACHA / ACH

CSV to NACHA and ACH payment file generation

Create standard NACHA credit files for ACH payroll, vendor payments, refunds, and payouts. The generator validates routing numbers, required originator fields, payment dates, entry totals, and fixed-width output structure.

Required input columns
Payee name columnAmount columnPayment date columnReference columnACH routing columnAccount number column
Bank-readiness checks

Validation before download

Before download
ACH routing number checksum
PPD and CCD credit settings
94-character record structure
Batch and file control totals
Block-of-10 padding
Past and weekend date warnings

Validation before download

We check source rows and generated files for required columns, identifiers, dates, totals, record lengths, and common structural issues before creating the download.

Qualified bank-ready output

Nacha, Payments Canada, EPC/SEPA, Bacs/Pay.UK, QuickBooks, and bank names are trademarks of their owners. This tool is not affiliated with those organizations. Always confirm file requirements with your bank.

Run a test file first

For first-time setups, submit a small test file to your bank or confirm the generated layout with your bank implementation team before sending production payments.

Common questions

Payment file generator FAQ

Can I create a NACHA file from a CSV?

Yes. Upload a CSV or Excel file, map the payee, amount, date, routing, and account columns, then generate a standard NACHA ACH file for bank review.

Does this guarantee my bank will accept the ACH file?

No. The file is generated to a standard structure, but banks can require specific originator IDs, SEC codes, offset entries, or profile settings.

Which ACH entries are supported first?

The MVP focuses on PPD and CCD credit files for payroll, vendor payments, refunds, and payouts.

Related payment file tools

Bank Payment File ValidatorFree validator for generated payment filesNACHA / ACHUS ACH payment filesCanadian EFT / CPA005Canadian EFT filesSEPA pain.001 XMLEurope pain.001 XMLUK BACSUK payment filesAustralia ABAAustralia Direct EntryNew Zealand payment fileNZ bank templates