Validate against the official ISO 20022 schema, see every error in plain English, find addresses that fail the new structured-address rule, and fix them. All without uploading your file.
Check a Nacha ACH file against the record layout, routing numbers, control totals and the 2026 Nacha rules (PAYROLL and PURCHASE descriptions), see every error in plain English, and fix the mechanical ones. All without uploading your file.
Banks are phasing out pain.001.001.03. Drop an old file and get a pain.001.001.09 file: only the structure changes, every amount, account, name and ID stays the same, and the new file is checked against the official .09 schema straight away. What changes
Runs in your browser. Your file is never uploaded.Drop a Nacha ACH file here (.ach, .txt or .dat) or choose one from your computer. Checked for the 94-character record layout, record order, routing-number check digits, transaction codes, trace numbers, entry hash and totals, padding, and the 2026 Nacha rules.
Check another file: drop it here or choose one from your computer.
Drop a pain.001 XML file here or choose one from your computer. Checked in four steps: readable XML, the official ISO 20022 schema (versions .03 to .13), business rules (ISO code lists, IBAN check digits, control totals, and the EPC rules for SEPA payments), then the structured-address rule.
Drop a pain.001.001.03 file here or choose one from your computer. It's converted to .09 and checked straight away; then you can fix addresses and download the new file.
| Address type | What it looks like | Status |
|---|---|---|
| Structured | Separate fields, at minimum TwnNm and Ctry; street, building and postcode in StrtNm, BldgNb, PstCd. No AdrLine. | Ready |
| Hybrid | TwnNm and Ctry in their own fields, plus at most 2 AdrLine of up to 70 characters each. The lines must not repeat the postcode, town or country already given in their own fields. | Ready |
| Unstructured | Free-text AdrLine fields with no TwnNm. A Ctry on its own doesn’t change that: without a town field the address still counts as unstructured. | Fix before deadline |
| No address (SEPA) | In SEPA credit transfers the payee’s address is optional, and so is the payer’s when both banks are in the EEA. When a bank in the payment is in a non-EEA SEPA country (for example the UK or Switzerland), the payer’s full address is required. | Ready |
| Agents (banks) | A BIC alone is enough. Without a BIC, give the name with town and country. For domestic payments outside SEPA, the UK and the US, a clearing code such as an IFSC also identifies the bank. | BIC = ready |