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Interesting - as I understand the process is generally to send an ACH file to a bank's file transfer point once agreements are signed and credentials/keys are shared.

Are there any libraries to create the ACH file itself from basic information like ODFI, etc?



There are a few good ones on GitHub: https://github.com/jm81/ach At my old company, we manually had someone use ACH Tools to build out these files, upload to the bank's interface, etc.: http://www.achtools.com/HomePage.aspx#!/




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