A PLINTHRAIL TOOLKIT
Validate, parse, and convert payment files locally.
100% local processing. Your payment files never leave your browser. Inspect NACHA and FedACH ACK today, with FedWire, SWIFT MT, ISO 20022, and X9.37 tooling in progress.
Parsed snapshot · sample file
File header
Type 1- Destination routing
- 123456780
- Origin routing
- 987654320
- Destination name
- Sample Receiving Bank
- Origin name
- Demo Originator Inc
- File creation
- 10/15/2025 · 09:00
Batches
- Vendor Alpha Inc CCD
2 entries · effective 10/16/2025
- Pension Demo LLC CCD
2 entries · effective 10/16/2025
- Northwind Supply PPD
1 entries · effective 10/16/2025
File control
Type 9- Batches
- 000003
- Entry rows
- 00000009
- Blocks
- 000002
Same pipeline as the tool — nothing uploaded. Open NACHA inspector →
PRODUCT
One toolkit. Every payment rail.
ACH moves $80 trillion a year. Wires move trillions more. The tools for working with their files mostly look like 2009. We're rebuilding them - one rail at a time.
ACH (NACHA)
Direct deposit, bill pay, and B2B ACH workflows in one browser-native workspace. Create NACHA files, inspect structure and validation issues, and parse FedLine ACK results without uploading sensitive data.
Tools live: Generate NACHA / NACHA Inspector / FedLine ACK
Tools coming: Diff / Returns Decoder
FedWire (ISO 20022)
FedWire Studio splits message creation and XML triage into focused browser-native modules, with party context, profile defaults, and local parsing.
Tools live: Message Builder / XML Parser
Tools coming: Validation Profiles / Message Diff
FedNow (ISO 20022)
The Fed's instant payment rail uses the same ISO 20022 message family as SEPA and CBPR+. The good news: there's finally a standard. The bad news: pacs.008 has 200+ fields. We make sense of them.
Tools coming: Parser / Validator / Mock Generator
Check (X9.37)
Paper checks were supposed to die in 2010. They didn't. X9.37 image cash letters still move billions of dollars between banks every day, and the format is a nightmare.
Tools coming: Parser / Validator / Image Extractor
SWIFT MT / MX
SWIFT message parser and validation tools are being split into a dedicated track so MT and MX workflows can be modeled with explicit message profiles.
Tools coming: MT Parser / MX Parser / Rule Validator
PRIVACY
Your files don't leave this browser tab.
Account numbers, routing numbers, names. SSN fragments. Everything that's in a NACHA file is exactly what you don't want sitting on some random server. So we built it differently.
100% browser-side
Files are read and parsed by JavaScript in your tab. They never touch our servers, our logs, or any third party. Open DevTools and verify for yourself.
Built on real specs, not Stack Overflow
The parsers implement NACHA Operating Rules, ISO 20022 schemas, and SWIFT message standards. We update them when the rules change. The error messages tell you which spec section was violated.
Fast where it matters
A 10MB NACHA file with 50,000 entries parses in under two seconds. No spinners. No upload progress bars. No "please wait, processing..."
Start with ACH (NACHA) Studio.
Drop in a file. See every record decoded. Get every error explained before your bank rejects it.
Free. No signup. No upload. Files stay local.