Why did my bank reject my NACHA ACH, ABA, or BACS file for invalid record length?

Spreadsheet exports and text editors frequently strip trailing right-padded spaces or omit NACHA block-10 '9999...' padding rows. NACHA requires exact 94-character records in multiples of 10 lines, Australian ABA requires exact 120-character records, UK BACS Standard 18 requires 100-character records, Spanish Norma 43 requires 80-character records, and Canadian CPA-005 requires 1464-character logical records.

Does this bank file format auditor upload my financial data to a server?

No. The pre-flight format detector and line-length auditor runs 100% locally in your browser via client-side JavaScript. Your pasted lines never leave your device.

🔒 100% Browser-Local Diagnostic • Zero Data Leaves Your Device

Instant Bank File Format Detector & Fixed-Width / XML Line-Length Auditor

Paste the first few lines (or full sample) of any corporate payment, payroll, treasury statement, or e-invoice file. Instantly identify the banking standard, catch stripped trailing spaces, missing block-10 padding, CRLF issues, or 2026 ISO 20022 BE04 unstructured address rejections before uploading to your bank portal.

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Supports 12 global corporate banking & e-invoicing standards

Quick Reference: Mandatory Corporate Bank File Widths & Rules

US / AU / UK / CAFixed-Width ASCII

Payroll & Direct Entry Widths

US NACHA ACH: Exact 94 chars/line + 9999... block-of-10 padding.
Australia ABA: Exact 120 chars/line (0/1/7 records).
UK BACS Std 18: Exact 100 chars/line.
Canada CPA-005: Exact 1464 chars/line (A/C/Z).

US NACHA API →

Treasury Statements80-Char & Slash-Delimited

BAI2, Norma 43 & Positive Pay

Corporate BAI2: Records 01/02/03/16/88/49/98/99 ending in /.
Spanish Norma 43: Exact 80 chars/line (11/22/23/33/88).
US Positive Pay: Exact 80-char fixed or bank CSV profile.

BAI2 Parser API →

ISO 20022 & EN 169312026 Mandates

SEPA, Fedwire pacs.008 & Peppol

SEPA pain.001.001.09: Structured <TwnNm> + <Ctry> mandatory (prevents BE04).
Fedwire / SWIFT pacs.008: Requires AppHdr + UUID v4 <UETR>.
EU E-Invoice: Peppol BIS 3.0 UBL & Factur-X CII.

SEPA XML API →

Stop Debugging Padding Spaces & Schema Rejections by Hand

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