Posts tagged: Small Business

ACH File Software vs Payment Processors (BILL, Melio): Which Do You Need?

October 29, 2026

A dated, side-by-side comparison of paying by ACH through a processor such as BILL or Melio versus sending your own NACHA file to your bank. Who moves the money, what it costs, and which one fits your business.

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How to Create a NACHA File: Format, Records, and Tools

October 29, 2026

What a NACHA file contains, what your bank has to give you before you can build one, the six record types line by line, and three ways to create the file, from a spreadsheet to purpose-built software.

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Manual NACHA File Creation vs Software: When a Spreadsheet Is Enough

October 29, 2026

What building NACHA files by hand actually involves, the four kinds of error a spreadsheet produces, what a rejected or returned file costs, and a plain rule for when manual is fine and when it is not.

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