Generate NACHA Files Without the Manual Work
A NACHA file has to follow exact formatting rules — fixed-width records, precise field positions, correct routing check digits, and balanced control totals. Building one by hand or in a spreadsheet is slow and error-prone, and a single mistake gets the whole file rejected by your bank. ACH Pro generates compliant NACHA files for you: enter or import your payments, and ACH Pro produces a correctly formatted file ready to upload to your bank.
How to Create a NACHA File with ACH Pro
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Add your payments — import from QuickBooks, upload an Excel or CSV file, enter transactions manually, or via our API.
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Generate — create the NACHA file with a click.
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Send — upload the file to your bank, or use SFTP to deliver it automatically.
Create NACHA Files from Excel or CSV
Already track payments in a spreadsheet? ACH Pro's import wizard converts Excel and CSV files into NACHA format in seconds, mapping your columns to the right fields and catching errors as you go. It's the fastest way to turn a payment spreadsheet into a bank-ready ACH file — and it's included in every plan, including the free Starter plan.
Create ACH Files from QuickBooks
Connect QuickBooks Online or QuickBooks Desktop to generate ACH files directly from your bills, invoices, and transactions, with vendors, customers, and employees syncing automatically.
Valid NACHA Files Every Time
ACH Pro validates your file as you build it — checking record structure, routing numbers, entry hashes, and required fields against NACHA rules — so you catch errors before your bank does. You can also validate any existing NACHA file with our free ACH file validator.
Free to Start
Generate NACHA files free with ACH Pro's Starter plan: one user, up to three files per month, with unlimited transactions per file, Excel/CSV import, and QuickBooks Online included. Upgrade when you need more:
Title | Feature | Paid |
|---|---|---|
Users | 1 | 3 to unlimited |
Files per month | 3 | 50 to unlimited |
Transactions per file | Unlimited | Unlimited |
Excel / CSV Import | Yes | Yes |
QuickBooks Online | Yes | Yes |
QuickBooks Desktop | ____ | Yes |
Auto-close Bills in QuickBooks | ____ | Yes |
Recipient Emails | ____ | Ultimate Only |
Authorizations | ____ | Ultimate Only |
Returns & NOCs | ____ | Ultimate Only |
Send Payments Through Your Existing Bank
ACH Pro isn't a bank or a payment processor — it generates the file and you send it through your own ACH-enabled bank. You keep your banking relationship and your rates, and you pay no per-transaction processing fees to ACH Pro. Use ACH files to pay vendors, run payroll, reimburse employees, or collect from customers.
Frequently Asked Questions
How do I create a NACHA file?
Add your payments to ACH Pro by importing from QuickBooks, uploading an Excel or CSV file, or entering them manually. ACH Pro validates the data and generates a NACHA-formatted ACH file you upload to your bank.
Is there a free NACHA file generator?
Yes. ACH Pro's free Starter plan lets you generate up to three NACHA files per month with one user, including Excel/CSV import and QuickBooks Online — at no cost. Paid plans add higher volume and more features.
Can I create a NACHA file from Excel?
Yes. ACH Pro's import wizard converts Excel and CSV files into NACHA format in seconds, mapping your columns to the correct fields and flagging errors. It's available on every plan.
What is a NACHA file?
A NACHA file is the standardized, fixed-width file format U.S. banks use to process ACH payments such as payroll, vendor payments, and collections. Each record must follow exact formatting rules to be accepted by your bank.
Do I need special software or a special bank account?
No. ACH Pro runs in your browser on any operating system, and works with your existing ACH-enabled business bank account.
Can I check a NACHA file for errors?
Yes. ACH Pro validates files as you build them, and our free ACH file validator lets you check any existing NACHA file for formatting issues.
Use Cases
Payroll
Send direct deposit payments to employees and contractors
Accounts Payable
Send payments to vendors and pay bills automatically in QuickBooks after the file is created
Customer Billing / Accounts Receivable
Pull funds from your customers electronically and reduce the paperwork and wasted time that comes from applying payments
More Than Vendor Payments
The QuickBooks Desktop integration isn't limited to accounts payable. Because ACH Pro generates ACH files from any QuickBooks transactions, you can also run payroll and employee reimbursements, collect payments from customers, and handle recurring disbursements — all from the vendors, employees, and customers you sync from QuickBooks Desktop. Whatever the payment type, ACH Pro turns your existing QuickBooks data into a compliant NACHA file you send through your own bank.
No Per-Transaction Fees
Because payments run through your existing bank rather than a third-party processor, you avoid the per-payment fees that bill-pay services and payment processors charge. You keep the flat, low ACH cost your bank already offers — which adds up quickly when you're paying dozens or hundreds of vendors a month.
Eliminate Manual Entry and Paper Checks
Stop re-keying payment data into your bank portal and stop printing and mailing checks. ACH Pro pulls the details straight from QuickBooks Desktop, so recipient information and amounts carry over automatically — reducing errors, check-printing costs, and the time your team spends on payments each week.
Frequently Asked Questions
Can I pay vendor bills by ACH directly from QuickBooks Desktop?
Yes. ACH Pro connects to QuickBooks Desktop, lets you select the bills you want to pay, and then generates a NACHA-formatted ACH file you send through your existing bank. Your vendors are paid by ACH and the payments reconcile in QuickBooks.
How do I set up ACH payments in QuickBooks Desktop?
Connect ACH Pro to your QuickBooks Desktop company file using the desktop connector, sync your recipients, then select transactions to generate an ACH file. ACH Pro walks you through each step during setup.
Which versions of QuickBooks Desktop are supported?
ACH Pro supports QuickBooks Desktop Pro, Premier, and Enterprise, version 2019 or later.
Does ACH Pro charge per-transaction fees?
No. ACH Pro charges a flat monthly rate.
Is the QuickBooks Desktop integration free?
The QuickBooks Desktop integration is available on ACH Pro's paid plans, which include a 30-day free trial. QuickBooks Online integration is available on the free Starter plan.