This guide is intended for developers using the ACH Pro API. If you are looking for instructions on how to create a NACHA file in the ACH Pro web application, see Create your first file.

Contents

Overview

Two endpoints are needed to create a NACHA file in ACH Pro: 1) create an ACH file object and 2) download a NACHA file.

The ACH file object is a JSON representation of a NACHA file with a few extra fields we use in ACH Pro. You can use objects that already exist in ACH Pro such as recipients or accounts by passing their respective IDs, or you can use one-off representations of objects without IDs (we call this “from scratch”).

For example, we could use an existing recipient like so:

"recipient": {
  "recipientId": "02318E20F6E34A7EAF8D2EC1E32DD181"
}

Or we could use one from scratch:

"recipient": {
  "name": "Some Person",
  "recipientType": "CONSUMER",
  "uniqueIdentifier": "somepersonsid"
}

After an ACH file has been created, you can then download a NACHA file and provide it to your bank for origination. The rest of this guide walks through an example scenario covering all the required steps.

Walkthrough

We’ll try to simulate the most common scenario for ACH file creation, which involves using pre-existing ACH Pro objects. You can do the same thing using objects from scratch (see Data Types for more info).

ODFI