ACH Company Discretionary Data is a 20 character long, optional field in the Batch Header Record of a NACHA file. While many businesses leave it blank, it can be used for department codes, payment priorities, or internal tracking. Its purpose is bank- or originator-defined and won’t affect settlement. ACH Pro lets you easily add this field when your bank requires it.

ACH Pro empowers banks to better serve ACH originators by reducing file errors, simplifying onboarding, and enhancing client satisfaction. This cloud-based tool lets business customers create NACHA files with ease — supporting CCD, CTX, and PPD entries, QuickBooks integration, and compliance. It's the modern ACH solution for forward-thinking financial institutions.

An ACH NOC (Notification of Change) is a message from a receiving bank that a payment was processed but future entries need updated info. Learn what causes NOCs, how to read correction codes like C01 or C02, and why acting within 6 days is crucial. ACH Pro helps you easily update and resubmit corrected ACH files.

An ACH return happens when a payment can't be processed and is sent back by the recipient’s bank. This guide explains what causes ACH returns, how to interpret return codes, and steps you can take to prevent errors — like validating account info and sending prenotes. ACH Pro helps streamline your process and reduce return rates.

Treasury professionals need efficient, reliable tools to manage ACH payments. ACH Pro offers NACHA-compliant file creation, QuickBooks compatibility, validation tools, and flat monthly pricing — all in a secure, cloud-based platform. It’s built to support vendor payments, payroll, and more without the complexity of traditional treasury systems.

Choosing the right ACH software can save your business time and money. This guide explains what to look for and shows how ACH Pro helps businesses simplify payments without high fees or complicated setups.

Tired of waiting on checks or paying QuickBooks' 1% ACH fee? ACH Pro lets you collect payments from QuickBooks customers via ACH at a fraction of the cost. This guide walks you through exporting invoices, gathering bank info, creating NACHA files, and uploading them to your bank — all while keeping more of what you earn.

CCD and PPD are ACH entry types that define whether you’re paying a business or an individual. PPD is for personal accounts like payroll or reimbursements, while CCD is for business-to-business transactions. This article explains the key differences, when to use each, and why choosing the right type helps ensure compliance and successful payments.

CCD and CTX are ACH entry types used for business-to-business payments. CCD / CCD+ is simple and widely supported, while CTX supports detailed remittance in EDI format. This article explains when to use each, how they differ, and provides real-world examples to help you choose the right type for every payment.

NACHA files are standardized text files used to send ACH payment instructions to banks. They contain structured records for who’s paying, who’s receiving, and how much is being transferred. This article explains what NACHA files are, how they’re formatted, common use cases, and why most businesses use software like ACH Pro to generate them.

Paper checks cost more than you think — once you factor in printing, postage, labor, and delays. ACH payments are faster, more secure, and cost a fraction per transaction. This article breaks down the hidden costs of checks, compares them to ACH pricing, and shows how tools like ACH Pro can save your business time and money.

Switching from checks to ACH payments saves time, money, and frustration. This guide walks you through how to collect vendor banking info, get authorization, set up ACH file uploads with your bank, and use ACH Pro to generate compliant payment files — so you can streamline vendor payments and ditch the paper trail.

ACH prenotes are zero-dollar test transactions used to verify bank account details before sending actual ACH payments. While optional, they help prevent costly errors and returns by confirming account validity in advance. This guide explains when and why to use prenotes, how long to wait before sending funds, and how to send them properly using ACH-compatible software.

This guide will explain how you can create ACH files in ACH Pro using QuickBooks Online transactions.

In this guide, we will walk you through how to convert an Excel (or CSV) file to a NACHA file using ACH Pro.

We know that ACH files can be confusing, so we built a free NACHA file validator to assist you as you troubleshoot.

We provide 5 useful tips that will take you from ACH file beginner to pro in no time.

Examples of various NACHA files including payroll, billing, micro transactions and corporate payments.

Creating a NACHA file by hand is possible if you know the basics.