ACH debit collection (CCD) with routing numbers.
A payment initiation file for United States on the ach-debit rail, shipped in pain.008.001.02, pain.008.001.08, 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.008.001.02 |
us.ach.debit.pain.008.001.02.xml | — (twins cover pain.001 only) | us.ach.debit.pain.008.001.02.provenance.yaml |
pain.008.001.08 |
us.ach.debit.pain.008.001.08.xml | — (twins cover pain.001 only) | us.ach.debit.pain.008.001.08.provenance.yaml |
How the library checked it#
- Official XSD: passed.
- ISO message definition rules: passed.
- Rail profile
us-ach: passed, 1 warning(s). - 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, debit entries and authorisation (read 2026-09-10)
- Citi and Bank of America pain.008 ACH debit formatting notes (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.