Tool 07 · Validation

ACH/NACHA File Validator + Return Code Decoder

Upload or paste an ACH/NACHA file for instant validation. Decode any R-code (R01–R85) with recovery guidance. Supports IAT, PPD, CCD, WEB, TEL, and CTX entry classes.

94-char Record Parsing R01–R85 Return Codes v1.0
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.
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Drop NACHA File Here
Accepts .txt, .ach, or any plain-text NACHA formatted file
or paste content directly

ACH/NACHA File Validator parses NACHA-formatted flat files according to the official 94-character fixed-width record specification.

The validator checks: record type identifiers (1, 5, 6, 7, 8, 9), batch control hash totals, entry/addenda counts, file control debit/credit balance, mandatory field presence, and sequential batch numbering.

  • Record Type 1: File Header: identifies originating/receiving DFIs, file creation date/time.
  • Record Type 5: Batch Header: company name, SEC code, effective entry date.
  • Record Type 6: Entry Detail: routing number, account, amount, name, trace number.
  • Record Type 7: Addenda: additional payment information (IAT, POP, etc.).
  • Record Type 8: Batch Control: entry/addenda count, hash, debit/credit totals.
  • Record Type 9: File Control: batch count, block count, entry count, hash, totals.

This tool does not validate routing numbers against the Federal Reserve database, nor does it parse all SEC code-specific addenda rules. It is intended for structural pre-flight checks prior to submission.