Bank-ready ACH and EFT files in under a minute.
Generate bank-ready ACH and EFT files from a CSV. Reuse the same file every week — just update the date, file number, and amounts. No subscription, credits never expire.
Free preview, no signup required.
Supported formats
Native support for US ACH and major Canadian bank EFT formats.
United States
Standard NACHA ACH format. Works with any US bank that accepts ACH origination.
Canada
Bank-specific EFT formats for major Canadian financial institutions.
Don’t see your bank? Most Canadian banks accept the CPA005 standard — try one of the above formats or email us.
How it works
Built to be reused, week after week.
First run: a few minutes of setup
Pick your bank and download the template
Choose your format on the generator page. Download the Excel template — it’s pre-formatted with the right columns and number formatting.
Fill in your originator details and payees
Enter your company info, account details, and payment list. The template covers everything the file needs.
Upload and generate
Drop the saved CSV back into the generator. Buy credits, hit generate, and download your bank-ready file.
Demo: pick a bank, download the template, fill in payees, upload the CSV, and generate the file.
Every run after: under a minute
Open last week’s file
Your originator details are already there. So is your payee list.
Update the date, file number, and amounts
Set the new run date, increment the file number, and update the amounts column. Add or remove payees as needed.
Save as CSV, upload, generate
That’s it. Same generator, new file.
Skip the cleanup.
Blank-amount rows are skipped automatically. No need to delete payees you’re not paying this run.
Your bank-specific details stay put.
Company ID, originator info, routing numbers — set them once in your template, reuse forever.
Demo: open last week’s CSV, change the date, file number, and amounts, save, upload, generate.
Why PayFile Pro
Built by an operator who got tired of doing this in spreadsheets.
No ERP, no treasury software required.
Your data never leaves your browser.
Files are generated entirely in your browser. No payment data is uploaded to our servers, stored on disk, or transmitted anywhere. What you upload stays on your machine.
Pay only when you generate.
Buy a credit pack when you need files, not before. Credits never expire. No monthly fees, no minimums, no auto-renewals.
US ACH and Canadian EFT, in one place.
Standard NACHA for any US bank that accepts ACH origination, plus native EFT formats for major Canadian banks — RBC, Scotia, BMO, CIBC, TD, ATB, and credit unions on Central 1.
Built by someone who’s processed vendor payments.
Blank-amount rows are skipped automatically. Errors are flagged before file generation, not after the bank rejects your file. File and batch numbers stay under your control — no surprise auto-increments. The details that matter when vendor payments have to go out on Friday.
Remittance emails, in development.
Auto-send remittance advice to your payees after generating a file. No more separate emails or spreadsheet copy-pastes.
Simple pricing. No subscription.
Buy credits when you need files. One credit per generated file. Credits never expire.
Starter Pack
For occasional runs or trying out the product
5 credits · $2.00 per file
Standard Pack
For monthly or bi-weekly payment runs
20 credits · $1.75 per file
Pro Pack
For weekly runs or multiple payment streams
50 credits · $1.50 per file
All credit packs include:
- • Credits never expire — use them on your schedule
- • Works for every supported bank format
- • Free CSV preview and validation before generating
- • Email support
Credit packs are non-refundable once added to your account. If you think there’s been an error, email us — we review every case in good faith.
Not ready to buy? Try a free preview first →
Frequently asked questions
Or just email us at hello@payfilepro.com.
Generate your first file in minutes.
Free preview, no signup required. Buy credits when you’re ready.