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ach
ACH implements a reader, writer, and validator for Automated Clearing House (ACH) files. The HTTP server is available in a Docker image and the Go package is available.
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InfluxDB
Power Real-Time Data Analytics at Scale. Get real-time insights from all types of time series data with InfluxDB. Ingest, query, and analyze billions of data points in real-time with unbounded cardinality.
They're specifically formatted ASCII text files[1][2].
A single file can have multiple batches. A single batch can have multiple transactions.
For example, a company may upload an ACH file to their bank for payroll that contains a single batch in it and in that single batch they have entries for each employee. Or it may have multiple batches, one for payroll, one for reimbursements, one for bonuses (if they pay those out as independent transfers). Maybe it'll have batches to their for 401k custodian as well for the payroll period.
Their bank may receive that batch file, validate that and combine those batches with all the other ones it has and send those as a combined file to the clearing house.[3]
At the end of the day, the ACH network is just a bunch of text files being pushed to sftp servers and servers periodically polling for new text files in those sftp directories to pick up and process.
[1] https://achdevguide.nacha.org/ach-file-overview
[2] https://github.com/moov-io/ach/blob/master/docs/file-structu...
[3] My understanding of this aspect is vague at best, so may be misconstruing how they're aggregated or passed through to the clearing house.