Generate NACHA-compliant ACH files with multi-batch support (PPD and CCD) for submission to your US financial institution.
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.
Most users upload a completed CSV. Use Enter in Browser to enter values manually or review imported data before generating.
Download the template, fill in your originator details and payments, export to CSV, then upload here. Imported values are available to review before generating.
company_entry_description must start with PAYROLL in the leftmost 7 characters (with up to 3 optional trailing chars — e.g. PAYROLL, PAYROLLQ4, PAYROLL01). Effective March 20, 2026 for all originators. Non-payroll PPD credits (expense reimbursements, settlements, bonuses paid as separate entries) and all CCD batches are not affected.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 receivers (e.g. PAYROLL, VENDOR, EXPENSES) — max 10 chars. |
| batch_type | PAYMENT rows | PPD (Batch 1) or CCD (Batch 2) |
| receiver_name | PAYMENT rows | Payee 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,company_name,ACME CORP,,,,,,
META,company_entry_description,PAYROLL,,,,,,
META,immediate_destination,021000021,,,,,,
PAYMENT,,,PPD,John Doe,021000021,1234567890,1000.00,PAY001
PAYMENT,,,CCD,Acme Corp,021000021,9876543210,2500.00,PAY002
After uploading, switch to Enter in Browser to review all imported values before generating.