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How to create and send an ACH file?

How can I create an ACH file in a Java application (although the language is not important) and send it for processing? I need to know the ACH file format, and then what to do with it later. Considering this issue , I see links to external processors. Do I need to use a third-party file to send the file?

Creating a file is not difficult (although I can’t find the details in the format), but then having a file on my hard drive is of no use. If I need to use a third party, what are some good services?

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Another third party offering ACH service is SecureNet LLC . However, consult with your bank. Many banks providing business services (as opposed to domestic services) have ACH Origination, which means that they will process transactions for you. Direct service with your existing financial institution will mean faster credit / debit and (usually) lower rates.

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You need a third party to process the file because you cannot directly connect to the banks. Authorize.Net offers an eCheck service and has an accessible API that allows you to send ACH payments.

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Source: https://habr.com/ru/post/1731295/

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