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US NACHA ACH Direct Deposit & Payment File Generator

US NACHA ACH Direct Deposit & Payment File Generator

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geornaden.github.ioOther0Updated today
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About US NACHA ACH Direct Deposit & Payment File Generator

This FinOps Studio engine generates US NACHA ACH files for direct deposits and payments. Finance and payroll teams can create 94-character PPD, CCD, and WEB entries with ABA routing and batch-hash checks.

Key features

  1. 01Generate 94-character NACHA ACH files
  2. 02Support PPD, CCD, and WEB entries
  3. 03Check ABA MOD-10 routing numbers
  4. 04Validate batch hashes

Use cases

  1. 01Prepare US payroll direct deposits
  2. 02Create ACH payment batches
  3. 03Check routing and batch data before submission

MCP support

The NACHA ACH generator is available to MCP clients through FinOps Studio's Apify-hosted MCP endpoint, configured with an API token.

Configuration

Remote servers need no local install. Pick your client, then copy the config or install in one click.

Endpointhttps://mcp.apify.com/?actors=finops_studio/nacha-ach-file-generator
Copy install command
Claude CodeTerminal
Cursor.cursor/mcp.json
VS Code.vscode/mcp.json
Claude Desktopclaude_desktop_config.json
Windsurf~/.codeium/windsurf/mcp_config.json

Run commands in a terminal; paste JSON into the client’s MCP config and restart. Servers that need sign-in will prompt on first connect.

All endpoints
Streamable HTTPhttps://mcp.apify.com/?actors=finops_studio/nacha-ach-file-generatorAuth required

Tools

Details

From the project README

FinOps Studio — Deterministic Banking, Payroll, Treasury & E-Invoicing APIs (REST + MCP + n8n)

Live Hub Apify Store MCP Ready

Zero-hallucination banking, payroll, cash-management, and tax e-invoicing file engines for CFOs, accounting firms, ERP integrators (NetSuite, SAP, Odoo, QuickBooks, Xero, Dynamics 365), workflow builders (n8n, Make.com, Zapier), and AI Agents (MCP).

Why deterministic engines instead of LLMs?
Commercial banking gateways reject an entire payroll or treasury batch over a single shifted character column, a failed ISO 13616 MOD-97 IBAN check digit, an unbalanced NACHA ABA routing hash, or a floating-point penny rounding mismatch. FinOps Studio runs strict mathematical checksums and fixed-width/XML schema engines in isolated cloud containers—at $0/month subscription cost.

12 Production Financial File Engines

#Banking / Tax StandardRegionCloud API / SpecsPay-Per-Use
1ISO 20022 SEPA XML (pain.001.001.09 & pain.008.001.08) + 2026 Structured Addresses & MOD-97 IBAN CheckEurope (40+ Countries)finops_studio/sepa-xml-generator$0.02 / tx
2EU EN 16931 E-Invoice XML (Peppol BIS 3.0, EHF 3.0, XRechnung 3.0, Factur-X / ZUGFeRD)EU & Nordicsfinops_studio/eu-einvoice-xml-generator$0.05 / invoice
3US 94-Character NACHA ACH Generator (PPD, CCD, WEB) + ABA MOD-10 Routing CheckUnited Statesfinops_studio/nacha-ach-file-generator$0.02 / entry
4Corporate BAI2 Bank Statement Parser (01/02/03/16/88/49/98/99 → JSON/CSV)US & Global Treasuryfinops_studio/bai2-bank-statement-parser$0.02 / tx
5German DATEV Buchungsstapel (EXTF v700 CSV) (SKR03 / SKR04, BU-Schlüssel)Germany & Austriafinops_studio/datev-buchungsstapel-generator$0.02 / booking
6Australian 120-Character ABA Direct Entry (.aba / Cemtex) (CBA, NAB, Westpac, ANZ)Australiafinops_studio/aba-cemtex-file-generator$0.02 / row
7ISO 20022 pain.002 Bank Rejection Status Decoder (AC04, AM04, BE04, MD01 → Plain English)Global ISO 20022finops_studio/iso20022-pain002-status-parser$0.02 / status
8UK BACS Standard 18 (100-Character) Direct Credit & Debit Generator (VOL1/HDR1/UHL1/UTL1)United Kingdomfinops_studio/uk-bacs-standard18-generator$0.02 / row
9Canadian Payments Association CPA-005 (1464-Byte) EFT Generator (RBC, TD, BMO, Scotiabank)Canadafinops_studio/canada-cpa005-eft-generator$0.02 / segment
10US Bank Payee Positive Pay Check Fraud File Generator (BofA CashPro, Chase, Wells Fargo CEO, PNC)United StatesSpecs & Guide$0.02 / check
11Spanish AEB Norma 43 (Cuaderno 43) 80-Char Bank Statement Parser (CaixaBank, BBVA, Santander → JSON/CSV)SpainSpecs & Guide$0.02 / tx
12ISO 20022 pacs.008.001.08 Fedwire Funds & SWIFT CBPR+ Wire XML Generator (AppHdr + UUID v4 UETR)US & Global WiresSpecs & Guide$0.02 / wire

Quickstart: CLI, cURL, Node.js & Python

1. Zero-Install CLI & Pre-Flight Checksum Doctor (npx v1.4.0)
npx github:Geornaden/finops-studio list
npx github:Geornaden/finops-studio doctor ./batch.csv
npx github:Geornaden/finops-studio mcp-config
npx github:Geornaden/finops-studio openapi
APIFY_TOKEN=YOUR_APIFY_TOKEN npx github:Geornaden/finops-studio run sepa ./payload.json --out ./sepa.xml
1b. OpenAPI 3.1 Spec & Postman v2.1 Collection (Custom GPT Actions / Copilot Studio / Retool)
2. Direct Synchronous REST API (cURL)
curl -X POST "https://api.apify.com/v2/acts/finops_studio~sepa-xml-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "schemaVersion": "pain.001.001.09",
    "initiatingPartyName": "Acme Europe GmbH",
    "debtorName": "Acme Europe GmbH",
    "debtorIban": "DE89370400440532013000",
    "debtorBic": "COBADEFFXXX",
    "transactions": [
      {
        "name": "Nordic Cloud AB",
        "iban": "NL91ABNA0417164300",
        "amount": 1450.00,
        "remittanceInfo": "INV-2026-0891",
        "country": "NL",
        "townName": "Amsterdam"
      }
    ]
  }'

Model Context Protocol (MCP) for AI Agents

Give Claude Desktop, Cursor, Windsurf, or any MCP-compatible AI agent deterministic banking and e-invoicing capabilities:

{
  "mcpServers": {
    "finops-studio": {
      "url": "https://mcp.apify.com/?actors=finops_studio/sepa-xml-generator,finops_studio/eu-einvoice-xml-generator,finops_studio/nacha-ach-file-generator,finops_studio/bai2-bank-statement-parser,finops_studio/datev-buchungsstapel-generator,finops_studio/aba-cemtex-file-generator,finops_studio/iso20022-pain002-status-parser,finops_studio/uk-bacs-standard18-generator,finops_studio/canada-cpa005-eft-generator",
      "headers": {
        "Authorization": "Bearer YOUR_APIFY_API_TOKEN"
      }
    }
  }
}

Ready-to-Import n8n, GitHub Actions & Make.com Workflow Blueprints + Python/Node.js Cookbook

Free Browser Pre-Flight Validators & Regional Guides

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