ACH — CTX with seven addenda 05 carrying an EDI 820
One CTX debit of 28,750.00 settling three invoices at once, with the ASC X12 820 remittance advice split across seven addenda 05 records. CTX is the SEC code parsers get wrong most often, because the entry record does not mean what it means everywhere else: positions 55-58 are NOT the start of a name, they are the NUMBER of addenda that follow (0007 here), and the receiving company name only starts at 59. Read it with the PPD offsets and the name comes back as "0007GLOBEX CORP" — which is exactly what our own validator shows, because it applies the domestic layout.
Nacha 94-character — Valid
One CTX debit of 28,750.00 settling three invoices at once, with the ASC X12 820 remittance advice split across seven addenda 05 records. CTX is the SEC code parsers get wrong most often, because the entry record does not mean what it means everywhere else: positions 55-58 are NOT the start of a name, they are the NUMBER of addenda that follow (0007 here), and the receiving company name only starts at 59. Read it with the PPD offsets and the name comes back as "0007GLOBEX CORP" — which is exactly what our own validator shows, because it applies the domestic layout.
What this file shows
One CTX debit of 28,750.00 settling three invoices at once, with the ASC X12 820 remittance advice split across seven addenda 05 records. CTX is the SEC code parsers get wrong most often, because the entry record does not mean what it means everywhere else: positions 55-58 are NOT the start of a name, they are the NUMBER of addenda that follow (0007 here), and the receiving company name only starts at 59. Read it with the PPD offsets and the name comes back as "0007GLOBEX CORP" — which is exactly what our own validator shows, because it applies the domestic layout.
| Transactions | 1 |
|---|---|
| Total | $28,750.00 |
| Date in the file | 2026-07-12 |
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
101 091000019 0910000192607121200A094101RECEIVING BANK ORIGIN BANK
5225ACME MFG INC 1234567890CTXTRADE PAY 260712 1091000010000001
6270210000214455667788 0002875000REMIT-820-01 0007GLOBEX CORP 1091000010000001
705ST*820*0001\BPR*D*28750.00*D*ACH*CTX*01*091000019*DA*199887766*20260712\ 00010000001
705TRN*1*REMIT-820-01\DTM*097*20260712\N1*PR*ACME MFG INC*91*1234567890\ 00020000001
705N1*PE*GLOBEX CORP*91*9876543210\ENT*1\ 00030000001
705RMR*IV*INV-2026-0501**12500.00\REF*PO*PO-88010\DTM*003*20260620\ 00040000001
705RMR*IV*INV-2026-0502**11250.00\REF*PO*PO-88011\DTM*003*20260625\ 00050000001
705RMR*IV*INV-2026-0503**5000.00\REF*PO*PO-88012\DTM*003*20260701\ 00060000001
705SE*11*0001\ 00070000001
822500000800021000020000028750000000000000001234567890 091000010000001
9000001000002000000080002100002000002875000000000000000
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
9999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999999
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
ACH / NACHA file (US)
- ACH — a returned WEB debit (R01, insufficient funds)
- ACH — a notification of change (C01, corrected account number)
- ACH — an international entry (IAT) with its seven mandatory addenda
- ACH — PPD payroll credits, balanced with an offset debit
- ACH — CCD corporate debits with an addenda 05 remittance
- ACH — WEB debits (e-commerce, recurring and single-entry)
- ACH — entry hash mismatch (truncated or tampered file)
- ACH — batch control debit total ≠ the sum of its entries
- ACH — invalid ABA 3-7-1 check digit on an entry routing number