FSFinOps Studio
🇦🇺 AusPayNet BECS Direct Entry Reference • 120-Char .ABA API • A$0 / $0 Monthly Fee

Australian .ABA Transaction Codes (53, 50, 13), APCA Bank IDs & 120-Char Column Slicer

Lookup every AusPayNet BECS Direct Entry (Cemtex) Transaction Code, Withholding Tax Indicator, and 3-letter APCA Financial Institution Code for CBA CommBiz / NetBank, NAB Connect, Westpac Live, ANZ Transactive, and Macquarie—and slice 120-character Record 0 / 1 / 7 lines locally in your browser.

Generate 120-Char .ABA Files ($0.02/row) → Open Interactive .ABA Sandbox CBA / NAB / Westpac / ANZ Guide

Searchable Australian BECS Transaction, Tax & APCA Bank Directory

Code Record / Position Official AusPayNet BECS Meaning Actionable Payroll, BAS & Engineering Rule
100% Local Browser 120-Column BECS Slicer

Instant 120-Character Australian .ABA Column Slicer (Record 0, Record 1 & Record 7)

Paste any 120-character line from your .aba file—or load a preset below—to audit exact AusPayNet BECS byte columns (001–120), hyphenated NNN-NNN BSBs, right-justified 9-char account padding, and integer-cent Record 7 totals:


    


    

      

        Production Cloud API ($0/mo + $0.02/row)
        
Generate 120-Char `.ABA` Batches via HTTP POST

        
Validates NNN-NNN BSBs, formats right-justified 9-character account numbers, builds optional Code 13 self-balancing rows, and reconciles Record 7 to the exact cent:

        
curl -X POST "https://api.apify.com/v2/acts/finops_studio~aba-cemtex-file-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "bankCode": "CBA",
    "userName": "SYDNEY CLOUD PTY LTD",
    "apcaUserId": "301500",
    "traceBsb": "062-000",
    "traceAccount": "10458921",
    "description": "PAYROLL",
    "processDate": "2026-11-16",
    "includeSelfBalancingRecord": true,
    "transactions": [
      {
        "accountTitle": "LIAM O CONNOR",
        "bsb": "082-140",
        "accountNumber": "88412093",
        "amount": 3150.45,
        "reference": "FORTNIGHT PAY 22",
        "transactionCode": "53"
      }
    ]
  }'

      


      

        Official MCP Registry (#1 Global Rank)
        
Top 4 `.ABA` Upload Rejections Prevented Automatically

        
    
          
  • Missing Trailing Spaces: Excel/Notepad strips trailing spaces on Record 0 & Record 7, shrinking lines from 120 to 80 chars.
    • 
          
  • Missing BSB Hyphen: Passing 082140 instead of 082-140 shifts columns 09–120 left by 1 byte.
    • 
          
  • Zero-Filled Account Numbers: Most AU banks require left-space padding (" 88412093"), not leading zeros, when accounts have <9 digits.
    • 
          
  • All-Zero Remitter Name: Cols 97–112 must contain alphabetic characters, never all spaces or zeros.
    • 
        

        
{
  "mcpServers": {
    "aba-cemtex": {
      "url": "https://mcp.apify.com/?actors=finops_studio/aba-cemtex-file-generator",
      "headers": { "Authorization": "Bearer YOUR_APIFY_API_TOKEN" }
    }
  }
}

      

    


    

      
Frequently Asked Australian `.ABA` Direct Entry Questions

      

        
Should I use Transaction Code 50 or 53 for Australian payroll vs contractor invoices?

        
Use 53 (Pay) for employee wages and salaries (TFN payroll runs), and 50 (Externally Initiated Credit) for ABN supplier invoices, contractor bills, superannuation clearing house transfers, and expense reimbursements.

      

      

        
What APCA User ID (`apcaUserId`) do I use if my business uploads via NetBank or CommBiz web banking?

        
Commonwealth Bank NetBank business uploads commonly accept generic APCA ID 301500, whereas Direct Entry facility holders (CommBiz DE, NAB Connect DE, Westpac Corporate Online, ANZ Transactive) enter their bank-issued 6-digit APCA Direct Entry User ID in columns 57–62 of Record 0.