ACH & NACHA Resources

Guides, examples, and reference material to help you understand ACH payments, NACHA file formats, and how to automate your payment workflows.

CCD vs PPD: ACH Entry Class Codes Explained

Understand the difference between CCD and PPD ACH entry class codes, when to use each, and how they affect your batch payments.

See real NACHA file examples with line-by-line breakdowns of file headers, batch headers, entry details, and control records.

Step-by-step guide to converting Excel spreadsheets into NACHA-compliant ACH files for bank upload.

A comprehensive reference of all ACH Standard Entry Class codes including PPD, CCD, CTX, WEB, TEL, and more.

Learn what the discretionary data field in ACH entries is, how it's used, and best practices for filling it in.

Compare CCD and CTX ACH entry types—when to use corporate credit/debit vs corporate trade exchange for B2B payments.

Full list of ACH return reason codes (R01–R85) with explanations and how to handle each return scenario.

Learn how to create NACHA-compliant ACH batch payment files directly from your QuickBooks Online data.

BatchPay QB generates NACHA-compliant ACH files directly from QuickBooks Online. No spreadsheets, no manual formatting.