Tool 43 · Fraud & Risk

Batch Payment File Validator + Sanctions Screening

Validate NACHA, ISO 20022, SEPA, and SWIFT MT batch files entirely in-browser. Entry-by-entry error table with severity classification and synthetic ACK/NACK response generation. Integrated sanctions name screening with four string-similarity algorithms.

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.

v1.0

NACHA 2023 ISO 20022 pain.001 SEPA SCT SWIFT MT103 Client-Side · Zero PII

Generate Synthetic File

Format

Transactions

Error %

Upload Payment File

📂

Drag & drop or click to browse

.txt · .ach · .xml · .json accepted

Format (auto-detected)

Custom Rules›

Max Transaction Amount ($)

Allowed SEC Codes (comma-separated)

✓ Zero data transmitted

Validation Summary

📋

Upload a payment file or generate a synthetic sample to begin validation.

NACHA · ISO 20022 · SEPA SCT · SWIFT MT103/MT940

File Structure

Errors & Warnings

Transaction Entity Name

Watchlist Name

Watchlist Source

Match Threshold

70%

Algorithm Weights (must sum to 100)

LevenshteinEdit distance similarity

Jaro-WinklerPrefix-weighted similarity

Soundex/MetaphonePhonetic encoding

Token N-GramWord-order tolerant bigrams

Sum: 100 ✓