Secure Payments NACHA Files and History


This article covers the NACHA Files and History section of Secure Payments. Here, we'll explain the information presented on this page and what users can do.

But before we cover that, let's go over the basics of NACHA since it can be a complicated subject.

NACHA (National Automated Clearing House Association) is the body that manages the development, administration, and governance of the ACH network. The ACH network is used to transfer money between depository financial institutions. Secure Payments users have the option to use one of our integrated ACH processors. If using an integrated solution is not an option (for example, if aren't able to get approved by an ACH provider), you can choose to generate NACHA files from Secure Payments and have the payments processed elsewhere.

What is a NACHA File?

In the simplest terms, a NACHA file contains a list of transactions. The intent is that a bank will process the transactions in the list. NACHA files are based on punch-card technology, and the result of that is a NACHA file must contain specific sections; each section is composed of different characters that are located at specific positions inside the file. When a NACHA file is read by a computer, it checks characters, or strings of characters, that are located in specific positions within the file to understand what it’s looking at.

How Does Secure Payments Handle NACHA Processing?

This diagram shows the way payments are processed between Secure Payments and LoanPro. You’ll notice that the area at the bottom, which outlines the NACHA process, takes place outside of both Secure Payments and LoanPro. As it stands, Secure Payments will help you generate and download a NACHA file, but that is the extent of NACHA processing in Secure Payments.

Secure Payments NACHA Files and History

Now that we've covered the basics of NACHA, let's dive into Secure Payments. On the NACHA Files and History page, you can view your account's NACHA file history and generate new files.

Generate a NACHA File

To generate a file, click the document icon in the top right of the page.

A window will display and allow you to select a Processor.

Choose which processor you want to generate a NACHA file for from the Processor drop-down and click 'Generate'. This will generate a file that includes all recorded transactions for the processor since the last NACHA file was created. At this point, you are responsible to send the generated NACHA file to your bank so that transactions can be processed. If you don’t do anything with the file, no money will actually be deposited or withdrawn from your bank account.

When NACHA files are generated, any special character names will be scrubbed out. Accepted character are numbers, letters (uppercase and lowercase) and the characters "-", "&", and ",".

If the Export Type of the processor for which you are trying to generate a file has been set to "None", no file will be generated. To change the Export Type field, navigate to Processors > Bank Account/ACH (USA) > NACHA BATCH SUBMISSION in your Secure Payments account and select the edit icon next to the processor.

Use can also use the search field to find and download NACHA files that you have created in the past. With the search functionality, you can either search by keywords or by date.

Select the download button to download a generated NACHA file.

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