ACH Validation API
NACHA’s new credit-push monitoring rules are expanding to all financial institutions by mid-2026. Your customers submit ACH files — validate every one before it hits your processor.
New NACHA Rules. Same Understaffed Team.
NACHA’s credit-push fraud monitoring rules are expanding to all financial institutions by mid-2026. Integrate once and catch file-level problems before they enter the network.
- Duplicate detection
- Large-amount thresholds
- SEC code enforcement (PPD/CCD/WEB/TEL)
- Routing number verification (ABA check digit)
- Same-day ACH limits
- Strict mode for full NACHA compliance
Validate → Catch → Prevent
Automated compliance checks before files reach your processor
Stop Returns Before They Start
Bad ACH files cost $5–$25 per return — plus the operational overhead of investigations and customer calls. Validate before processing and eliminate avoidable returns.
- 10+ validation categories
- Control total and hash verification
- File header and control record consistency
- Balanced file validation
$5–$25 Per Return
Eliminate avoidable returns before they cost you real money
Turn Validation Into a Billable Service
Offer ACH file validation as a premium feature in your commercial banking portal. Give customers fewer rejections and give yourself a recurring revenue line.
- White-label ready
- Per-key rate limits
- Usage metering
- REST API
Your Brand, Our Engine
Offer validation as a premium service and keep the margin
Add ACH Validation to Your Platform in Hours
Building payroll, property management, or accounting software? Embed production-ready NACHA validation without becoming an ACH spec expert.
- Two endpoints: JSON body and file upload
- RFC 7807 problem details for errors
- 13 validation options
- OpenAPI 3.1 spec included
Integrate in Hours
OpenAPI spec, simple auth, structured JSON responses
Built for Integration
Everything your team needs to integrate in hours, not months
REST API
Two endpoints, structured validation results returned in milliseconds
OpenAPI 3.1 Spec
Import directly into Postman or Swagger UI and start testing immediately
Simple Auth
One API key in the X-API-Key header — no OAuth flows, no token refresh
Structured Responses
JSON with severity, category, and location. RFC 7807 problem details for errors.
Ready to Validate Smarter?
Tell us about your use case and we’ll set you up with an API key and documentation.
Request API Access