THE PATH TO A PERFECT FILE
From Spreadsheet to Bank-Ready File
Pathwell simplifies the entire NACHA file creation process into a straightforward, four-step workflow. Your data stays secure on your desktop, and you get a validated file, ready for a successful bank upload every time.
STEP 01
Configure Your File & Import Payees
Start by setting up your file parameters. Select your bank’s template, choose the batch type (CCD, PPD, or CTX), and input your Company ID. Then, import a simple CSV to populate your local, reusable beneficiary address book.
Import Beneficiary CSV
Upload your payee spreadsheet here.
STEP 02
Build Your Payment Batch
With your address book loaded, simply search and select the beneficiaries you wish to pay for this batch. Enter the dollar amount for each payment. Pathwell automatically formats each entry according to NACHA specifications, saving you from manual data entry and formatting errors.
STEP 03
Generate & Validate Instantly
This is where the magic happens. Click one button, and Pathwell constructs the complete NACHA file and immediately runs it through a robust validation engine. It checks against thousands of NACHA rules and the specific requirements of your chosen bank template, ensuring your file is perfect *before* you ever upload it.
Validation Report: Success
File passes all rules for the Chase ACH template.
- ✔ Record counts & hash totals match.
- ✔ Routing number check digits are valid.
STEP 04
Download & Upload to Your Bank
Once validation passes, Pathwell provides the clean, formatted NACHA file for download. Save it to your computer, then log in to your bank’s treasury management portal and upload the file with confidence. No more rejections, no more wasted time.
ACH_File_20250915.txt
Your bank-ready file is ready for download.
Stop wrestling with file specs.
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