ACH — WEB debits (e-commerce, recurring and single-entry)
Four WEB debits — the SEC code of a payment a consumer authorised online. Three come off checking accounts (code 27) and one off a savings account (code 37): the transaction code is what says which, and reading it as anything but a table is how parsers get it wrong. Position 77-78 carries the payment type indicator, R for recurring and S for single-entry. WEB entries carry no addenda, so the addenda record indicator stays at 0.
Nacha 94-character — Valid
Four WEB debits — the SEC code of a payment a consumer authorised online. Three come off checking accounts (code 27) and one off a savings account (code 37): the transaction code is what says which, and reading it as anything but a table is how parsers get it wrong. Position 77-78 carries the payment type indicator, R for recurring and S for single-entry. WEB entries carry no addenda, so the addenda record indicator stays at 0.
What this file shows
Four WEB debits — the SEC code of a payment a consumer authorised online. Three come off checking accounts (code 27) and one off a savings account (code 37): the transaction code is what says which, and reading it as anything but a table is how parsers get it wrong. Position 77-78 carries the payment type indicator, R for recurring and S for single-entry. WEB entries carry no addenda, so the addenda record indicator stays at 0.
| Transactions | 4 |
|---|---|
| Total | $188.97 |
| 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
5225STREAMBOX MEDIA 5551234567WEBSUBSCRIPT 260712 1091000010000001
6271210428821122334455 0000001499ORD-9911 PAUL JONES R 0091000010000001
6270260095935566778899 0000004999ORD-9912 ANA SOUSA R 0091000010000002
6370914006062233445566 0000002499ORD-9913 KEVIN ODELL S 0091000010000003
6271110000258899001122 0000009900ORD-9914 NINA PATEL S 0091000010000004
822500000400349453090000000188970000000000005551234567 091000010000001
9000001000001000000040034945309000000018897000000000000
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 — CTX with seven addenda 05 carrying an EDI 820
- 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