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ACH & SEPA File Linting Sandbox
Lint ACH NACHA files and SEPA pain.001 XML instantly in the browser. Catch record length issues, missing control totals, and schema gaps before sending to your bank.
How to use this tool
- Paste the ACH NACHA file or SEPA pain.001 XML into the editor.
- Confirm the detected format, record count, and overall severity.
- Fix blocking issues before submitting the file to your bank or processor.
Checks performed
- NACHA record length validation against 94-character requirements.
- Presence checks for ACH file header, batch records, and file control.
- SEPA XML parseability, namespace checks, and payment instruction presence.
Operational guidance
- Use this as a preflight check before bank upload, not a final acceptance guarantee.
- Confirm SEC codes, company IDs, and balancing totals with your ODFI policy.
- Validate SEPA creditor and account references against your bank onboarding rules.
FAQ
- Does this guarantee bank acceptance?
- No. Banks run additional compliance and entitlement checks beyond structural validation.
- Can I lint other ISO 20022 files?
- Yes. You can extend the parser with additional message-specific rules and schema checks.
- Where is file data stored?
- Validation runs client-side in the browser; the tool does not upload your file contents.
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