01 / CONTROL
Sensitive fields stay local
Parsing and basic validation run in the browser; the interface masks account numbers by default.
Local parse, visible math
Make every 94 characterseasy to trust.
A privacy-first ACH file workbench that parses locally, explains control totals visually, and lets teams layer bank-specific policies over open validation.
- Built for
- Finance operations teams and developers generating ACH files
- Domain-ready
- achready.apptillion.com
Entry detail record94 of 94 cols shown
622021000021****44190000124500PAYROLL-0442SAMPLE EMPLOYEE021000020000117
rectranrdfi routingaccountamountindividual idnametrace
banded row needs bank profile
File control — entry/addenda count40balanced
Batch 001 — entry hash0210000200balanced
Total debits$12,450.00balanced
Total credits$12,450.00balanced
Immediate destination vs. bank profile021000021differs
Local validator · live preview
Parse it locally. Read the math.
Illustrative sample file with masked account numbers. Nothing is uploaded in this preview.
sample
Structure and control totals validate before anything leaves the browser.
Why the math is visible
Less anxiety. More visible progress.
The competitors prove the job exists. ACHReady improves the moment between file and approval: sensitive fields stay local, control totals reconcile on screen, and every rule has a named owner.
02 / CONTROL
Control totals become diagrams
Files, batches, entries, addenda, hashes, and debit/credit totals are shown as a reconciled hierarchy.
03 / CONTROL
Rules have owners
Open format checks, Nacha guidance, and bank-specific policies are labeled separately with effective dates.
Run order
One complete path from file to approval receipt.
- STEP 01
Open the file locally
See the record tree and masked data before deciding whether to upload anything.
- STEP 02
Reconcile the math
Trace every control total back to batches and entries with a visual diff.
- STEP 03
Apply the bank profile
Run the ODFI’s documented settings and export an audit receipt for approval.
Pricing without make-believe
Free where the market is free. Paid where the work continues.
Free cannot be undercut. ACHReady keeps validation free and charges for saved bank profiles, approvals, audit history, and CI usage.
PlanPriceIncludedNotes
Local validator
$0unlimited filesParse, mask, validate structure, and inspect control totals.
Join early access
Operations†
$9per monthThree bank profiles, approval receipts, history, and safe team sharing.
Join early access
CI checks
$49per yearAPI/CLI tokens, fixture diffs, and 10,000 validations per month.
Join early access
†Best first paid job — the layer most teams need first.
Compared with:Moov’s parser/validator and several web tools are free
Pricing-stage early access
Bring a real ACHReady use case.
This is a preview, not a completed paid service. Join early access and tell us what a useful first release must handle.
ACHReady validates file structure and configured policies. It does not move money, verify authorization, replace an ODFI’s requirements, or guarantee acceptance.
The trust boundary
Scope of review
ACHReady validates file structure and configured policies. It does not move money, verify authorization, replace an ODFI’s requirements, or guarantee acceptance.
Sources reviewed July 24, 2026