US ACH debit file generator

Collect pre-authorized payments from customers by uploading a debit file to your bank.

Works with any US bank that accepts NACHA files, once your account is enabled for debit origination (service class 225).

Processed entirely in your browser

No banking details are sent to any server. All payment data stays in your browser session and is cleared when you refresh or close the tab.

The file you generate is a draft until you release it in your bank’s portal, and the release step is where the payment gets reviewed. That review is independent of this site: the bank reads the file with its own software, and what you confirm there does not depend on anything this site got right. Before you release it, confirm the counterparties, the amounts and the direction against your own records. Until then it is only a file on your computer.

For a debit file there is one more thing to confirm: that each row is covered by an authorization the customer signed, because the authorization, not the file, is what makes the pull legitimate.

Critical: Leading Zeros Must Be Preserved

Routing and account numbers must be treated as TEXT, not numbers. Leading zeros are required and will be silently dropped by Excel if cells are formatted as Number or General.

Most users upload a completed CSV. Use Enter in Browser to enter values manually or review imported data before generating.

Upload ACH CSV

Download the template, fill in your originator details and payments, export to CSV, then upload here. Imported values are available to review before generating.

Before you upload

Download the Excel template below and fill in your originator details and payments.
Format routing and account columns as Text in Excel to preserve leading zeros.
Save a copy as CSV (Comma delimited) — do not upload the .xlsx directly.
Upload the .csv file here, review the imported values, then generate.

Or drag and drop a CSV file here

CSV Column Reference

Column	Used in	Description
section	All rows	`META` or `PAYMENT`
key	META rows	Field name, e.g. `company_name`, `company_entry_description`, `immediate_destination`. Download the blank CSV or Excel template for the full list of META keys.
value	META rows	Field value for the META key. For `company_entry_description`, enter the batch description shown to account holders (e.g. `INVOICE`, `RENT`, `DUES`) — max 10 chars.
batch_type	PAYMENT rows	`PPD` (Batch 1) or `CCD` (Batch 2)
receiver_name	PAYMENT rows	Customer full name
receiver_routing_9	PAYMENT rows	9-digit ABA routing number — format as Text in Excel to preserve leading zeros
receiver_account	PAYMENT rows	Bank account number — format as Text in Excel to preserve leading zeros
amount_usd	PAYMENT rows	Payment amount, e.g. `1000.00`
payment_id	PAYMENT rows	Your internal reference ID (optional)

Example Rows

section,key,value,batch_type,receiver_name,receiver_routing_9,receiver_account,amount_usd,payment_id

META,direction,debit,,,,,,

META,company_name,ACME CORP,,,,,,

META,company_entry_description,INVOICE,,,,,,

META,immediate_destination,021000021,,,,,,

PAYMENT,,,PPD,CUSTOMER A,021000021,1234567890,1000.00,INV001

PAYMENT,,,CCD,CUSTOMER B,021000021,9876543210,2500.00,INV002

After uploading, switch to Enter in Browser to review all imported values before generating.