Bank Payment File Validator | ACH, CPA005, SEPA, BACS, ABA - Bank-Statement-Conversion
Bank payment file generator

Bank Payment File Validator | ACH, CPA005, SEPA, BACS, ABA

Validate already-generated ACH/NACHA, CPA005, SEPA XML, BACS, ABA, and New Zealand payment files before bank upload.

Generated payment file
Upload an existing ACH, CPA005, SEPA XML, BACS, ABA, or NZ payment file.
Structure checks
Check record lengths, XML safety, line endings, empty files, and common format rules.
Free validation
No credits, conversion history, pricing modal, or download token is created.
Structure validationMasked bank detailsACH/TXT/XML/EFT/DAT/BACS/ABA/CSV input
NACHA / ACH · Structure validation

Upload bank payment file

Upload an existing ACH, CPA005, SEPA XML, BACS, ABA, or New Zealand payment file to check its structure for free.

Validation
Free
Output
NACHA / ACH
Upload bank payment fileSupported for NACHA / ACH: .ach, .txt
ACH TXT XML EFT DAT BACS ABA CSV
Validation checks file structure only. Your bank may still require profile-specific settings.
Free uploaded-file validation

Check bank payment files before upload

Upload an already-generated payment file, choose the format, and get structural validation results without using credits.

Masked previewNo credits usedNo download token
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.

Accepted uploaded-file extensions
.ach.txt
Bank-readiness checks

Validation before download

Before bank upload
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