The APIs are flexible and easy-to-use, supporting authentication, user identity, and complex enterprise features like SSO and SCIM provisioning. Learn more →
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ach reviews and mentions
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US banks hit by deposit delays
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.
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FinTech APIs directory
moov-io/ach another useful ACH library written in Go https://github.com/moov-io/ach
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What do you use to get FinTech Developer news?
A lot of good GH projects have Slacks/Discords and people you can follow. https://github.com/moov-io/ach is one of hundreds. Also search GH for “awesome fintech”.
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A note from our sponsor - WorkOS
workos.com | 26 Apr 2024
Stats
moov-io/ach is an open source project licensed under Apache License 2.0 which is an OSI approved license.
The primary programming language of ach is Go.
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