ACH payment processing
ACH payment processing, built on your bank.
Software that builds, files and tracks ACH payments through your bank or a licensed processor.
- 101 FILE HEADER · SAMPLE ORIGIN
- 5220 ACME SAMPLE COPPDPAYROLL
- 622 ••••6789$2,140.00
- 622 ••••4410$1,985.50
- 8220 ENTRY/ADDENDA 000002 HASH OK$4,125.50
- 9FILE CONTROL · BATCHES 000001 · BLOCKS OK
Totals checked · file acceptedSent to the bank
Entry types
The right code for every payment.
Accept ACH payments online, by phone or from businesses. The code sets the rules.
Read the Nacha rules guide- CCD Business to business2-day returnsVendor bill
- PPD Consumer, signedreturns up to 60 daysPayroll
- WEB Consumer, onlinevalidate firstCheckout
- TEL Consumer, by phonerecord or notifyPhone order
Returns and corrections
Returns routed, corrections applied on time.
A notification of change updates the account details within six banking days.
See every return code- R01 Insufficient funds$2,140.00Retry 1 of 2
- R03 No account found$1,985.50Stopped · fix data
- C01 Account number changedNOCRecord updated
Fraud monitoring
Controls designed for Nacha's 2026 rules.
Since June 22, 2026, every business that sends ACH needs risk-based fraud monitoring.
- Payee bank details unchanged90 days
- Amount inside this vendor's patternchecked
- Approver is not the requesterchecked
- Procedures reviewed this yearlogged
Payment releasedPassed review
In the build
What the software does.
Scoped on the call to your bank, your volume and your payment types.
- SEC Entry types by payment CCD, CTX, PPD, WEB and TEL, each with its rules.
- FILE Files with checked totals Counts, amounts and hash totals verified before sending.
- SDA Same Day scheduling Timed to your bank's cutoff, up to $1 million per payment.
- RTN Returns and NOCs Routed by code, corrections applied in time.
- FM Fraud monitoring controls Designed for Nacha's 2026 risk-management rules.
- REC Reconciliation Every entry matched to settlement and your ledger.
Questions
Asked on most calls.
- Are you an ACH payment processor?
- No. We build ACH processing software that runs on your bank or a licensed ACH payment provider.
- How long do ACH payments take?
- Same Day entries settle that afternoon. Standard entries settle on their effective date.
- Is there a downside to ACH?
- Consumer debits can be returned for 60 days, so authorization and validation matter.
- How do you know an ACH payment went through?
- It settles on its effective date. Most returns then arrive within two banking days.
- What does a build cost?
- Every build is custom, so it is scoped and quoted on the call.
ACH payment processing
Tell us what you need to send.
Thirty minutes with the people who build it.
