ACH CCD credit to a supplier with an addenda remittance line.
A payment initiation file for United States on the ach-credit rail, shipped in pain.001.001.03, pain.001.001.09, generated and checked by pain001 0.0.70. It is a synthetic example built from the public scheme rulebooks: no real party, account or bank guideline behind it.
Files#
| Edition | Payment file | ISO 20022 JSON twin | Provenance record |
|---|---|---|---|
pain.001.001.03 |
us.ach.ccd-supplier.pain.001.001.03.xml | us.ach.ccd-supplier.pain.001.001.03.iso.json | us.ach.ccd-supplier.pain.001.001.03.provenance.yaml |
pain.001.001.09 |
us.ach.ccd-supplier.pain.001.001.09.xml | us.ach.ccd-supplier.pain.001.001.09.iso.json | us.ach.ccd-supplier.pain.001.001.09.provenance.yaml |
The twin is the same payment in the ISO 20022 Registration Authority's JSON convention, lossless in both directions; its JSON Schema (2020-12) is published per edition: pain.001.001.03, pain.001.001.09. An agent can produce a twin that validates against the schema and hand it to the library to render the XML.
Run it in your browser#
Open this scenario in the demo: the pain001 library loads in a Python runtime in your browser, rebuilds the file from the 1 record(s) below, checks it against the us-ach rulebook and the official XSD, and shows the JSON twin. Nothing leaves your machine.
The flat records the library rebuilds it from (the CSV pipeline's own column names):
id,date,nb_of_txs,ctrl_sum,initiator_name,payment_information_id,payment_method,batch_booking,service_level_code,requested_execution_date,debtor_name,debtor_agent_BIC,charge_bearer,payment_id,payment_amount,currency,creditor_agent_BIC,creditor_name,remittance_information,local_instrument_code,category_purpose_code,initiator_postal_code,initiator_town_name,initiator_country_subdivision,initiator_country_code,initiator_address_line,initiator_id,debtor_postal_code,debtor_town_name,debtor_country_subdivision,debtor_country_code,debtor_address_line,debtor_id,debtor_account_number,debtor_account_scheme,debtor_agent_clearing_system,debtor_agent_member_id,creditor_postal_code,creditor_town_name,creditor_country_subdivision,creditor_country_code,creditor_account_number,creditor_account_scheme,creditor_agent_clearing_system,creditor_agent_member_id,initiator_id_scheme_proprietary,debtor_id_scheme_proprietary,debtor_agent_town_name,debtor_agent_country_code,creditor_agent_town_name,creditor_agent_country_code,payment_currency
CMI-ACH-20260922-01,2026-09-22T09:00:00,1,7450.00,Cascade Millwork Inc,ACH-20260922-01,TRF,true,NURG,2026-09-23,Cascade Millwork Inc,CXMCUSI0,SLEV,CMI-INV-2026-0912,7450.00,USD,TNHLUSB0,Redwood Hardware Supply LLC,INV 2026-0912 PO 7781,CCD,SUPP,97204,Portland,OR,US,1200 Pine Street,1234567890,97204,Portland,OR,US,1200 Pine Street,1234567890,4412345678,BBAN,USABA,021000021,94103,San Francisco,CA,US,5512345678,BBAN,USABA,121000248,COMPANY-ID,COMPANY-ID,New York,US,San Francisco,US,USDHow the library checked it#
- Official XSD: passed.
- ISO message definition rules: passed.
- Rail profile
us-ach: passed. - Rail profile
anti-duplicate: passed.
Confidence derived: built from the public rulebook or implementation guide; no published sample was available to compare.
Where the content comes from#
- Nacha Operating Rules and Guidelines, Standard Entry Class codes (read 2026-09-10)
- Huntington pain.001 developer documentation; Cross River pain.001.001.03 input specification (read 2026-09-10)
SHA-256 of each file is in its provenance record. Your bank's own usage guideline is not represented here: apply it privately with the library's overlay tooling.