---
title: "ACH / NACHA File Validator + Return Code Decoder"
method: POST
path: "/v1/tools/validate_ach_nacha_file"
tags: ["ACH", "NACHA", "validation", "return codes", "batch", "file format"]
---

# ACH / NACHA File Validator + Return Code Decoder

`POST /v1/tools/validate_ach_nacha_file`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/validate_ach_nacha_file`
- Auth: none declared

Validates NACHA ACH file format (all record types, field widths, check digits, batch balancing, control totals) and decodes ACH return codes with remediation guidance. Reports errors, warnings, and a compliance summary.

**Tool URL:** https://ainumbers.co/tools/07-ach-nacha-validator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `fileContent` string, required
  - `returnCode` string

## Response `200`

Successful tool execution result

- object
  - `valid` boolean
  - `error_count` number
  - `warning_count` number
  - `batch_count` number
  - `entry_count` number
  - `total_debit` number
  - `total_credit` number

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)