ACH Validation API
Integrate NACHA-compliant ACH file validation into your applications, scripts, and automated workflows.
Validate Files Programmatically
Submit ACH files via a simple REST API call and receive comprehensive NACHA validation results as structured JSON. Two endpoints — JSON content or direct file upload — fit any integration pattern.
- POST endpoint for JSON file content
- File upload endpoint for multipart form data
- Detailed validation messages with severity, location, and field context
- File statistics including batch counts, entry counts, and totals
Fine-Tune Your Validation
Every validation option is configurable per request. Enable strict mode for production pre-submission checks, or relax specific rules for development and testing. Defaults follow standard NACHA requirements.
- Strict mode converts warnings to errors for tighter compliance
- Duplicate detection by trace number, amount, and routing number
- Balanced file validation ensures debits equal credits
- Same-day ACH limit enforcement at configurable thresholds
- Large amount warnings with adjustable dollar thresholds
Built for Production
Secure OAuth2 authentication, tiered rate limits, and detailed error responses make the API ready for production workloads. Available on Plus and Max plans with up to unlimited daily requests.
- OAuth2 client credentials authentication via Microsoft Entra ID
- Plus plan: 300 requests per day — Max plan: unlimited
- Structured error responses with HTTP status codes
- Code examples in Python, C#, JavaScript, and cURL
Why Use the API?
Automate your ACH validation workflow with a production-ready REST API
Instant Validation
Submit a file and get detailed NACHA compliance results in milliseconds.
15 Configurable Rules
Strict mode, duplicate detection, balanced file checks, same-day ACH limits, and more.
Secure by Default
OAuth2 authentication with encrypted credentials. No ACH data is stored by the API.
Developer Friendly
JSON and file upload endpoints with code examples in Python, C#, JavaScript, and cURL.
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