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NACHA

The NACHA data services implement the Automated Clearing House standard maintained by the NACHA Electronic Payments Association and used by financial institutions.

NACHA message structure

A NACHA message contains positional records. The following example shows a sample NACHA message:
101 091000022 1130006090208240516A094101US BANK CORP PAY SYS CHASE OF TX
5200BEST WIDGETS USA 1234567890CTXPAYMENT 0208282401113000600000666
602152545851FDHHDFHDFHDFHFHFH1254565236 1254ADRFVFRTG5467HYJ 1125456523658745
602152545851FDHHDFHDFHDFHFHFH1254565236 1254ADRFVFRTG5467HYJ 1125456523658745

NACHA message in XML format

The NACHA parser data services can convert NACHA messages into XML format. The following example shows a NACHA message in XML format:
<File>
<FileHeaderRecord>
<PriorityCode>1</PriorityCode>
<ImmediateDestination>91000022</ImmediateDestination>
<ImmediateOrigin>113000609</ImmediateOrigin>
<FileCreationDate>20824</FileCreationDate>
<FileCreationTime>516</FileCreationTime>
<FieldIdModifier>A</FieldIdModifier>
<RecordSize>094</RecordSize>
<BlockingFactor>10</BlockingFactor>
<FormatCode>1</FormatCode>
<ImmediateDestinationName>US BANK CORP PAY SYS</ImmediateDestinationName>
<ImmediateOriginName>CHASE OF TX</ImmediateOriginName>
<ReferenceCode />
</FileHeaderRecord>
<Batch>
<BatchHeaderRecord>
<ServiceClassCode>200</ServiceClassCode>
<Name>BEST WIDGETS USA</Name>
<DiscretionaryData />
<Identification>1234567890</Identification>
<StandardEntryClassCode>CTX</StandardEntryClassCode>
<EntryDescription>PAYMENT</EntryDescription>
<DescriptiveDate />
<EffectiveEntryDate>20828</EffectiveEntryDate>
<SettlementDateJulian>240</SettlementDateJulian>
<OriginatorStatusCode>1</OriginatorStatusCode>
<OriginatingDfiIdentification>11300060</OriginatingDfiIdentification>
<BatchNumber>666</BatchNumber>
</BatchHeaderRecord>
<Record>
<CTX>
<CTXEntryDetailRecord>
<TransactionCode>2</TransactionCode>
<ReceivingDfiIdentification>15254585</ReceivingDfiIdentification>
<CheckDigit>1</CheckDigit>
<DfiAccountNumber>FDEHHFDHDFHDFHFHFH</DfiAccountNumber>