ach

Overview ¶

Package ach provides bidirectional conversion between ACH files and TableData.

This package bridges the moov-io/ach library with fileparser.TableData, enabling SQL queries on ACH file data via filesql.

Security Note ¶

TableData structures expose sensitive banking information including account numbers, routing numbers, names, and transaction amounts. Avoid logging or exporting TableData contents verbatim in production environments.

Supported Addenda Types ¶

Standard entries (EntryDetail):

• Addenda02: Point-of-Sale (POS), Machine Transfer Entry (MTE), Shared Network Entry (SHR)
• Addenda05: Payment Related Information (PPD, CCD, CTX, WEB, etc.)
• Addenda98: Notification of Change (NOC)
• Addenda98Refused: Refused Notification of Change
• Addenda99: Return entries
• Addenda99Dishonored: Dishonored Returns
• Addenda99Contested: Contested Dishonored Returns

IAT entries (IATEntryDetail) - International ACH Transactions:

• Addenda10: Transaction information (receiving company, foreign payment amount)
• Addenda11: Originator name and address
• Addenda12: Originator city, state/province, country, postal code
• Addenda13: Originating DFI information
• Addenda14: Receiving DFI information
• Addenda15: Receiver identification number and street address
• Addenda16: Receiver city, state/province, country, postal code
• Addenda17: Payment related information (up to 2 per entry)
• Addenda18: Foreign correspondent bank information (up to 5 per entry)
• Addenda98/99: Same as standard entries

Limitations ¶

Only UPDATE operations on existing rows are supported for round-trip editing. INSERT/DELETE operations in SQL are not reflected in the output ACH file. This is because ACH file structure requires careful coordination between related records (entry counts, hash totals, addenda indicators).

This package uses github.com/tiendc/go-deepcopy for deep copying ACH files. If moov-io/ach adds new fields (especially interfaces or unexported fields), the deep copy may not capture them correctly. Monitor moov-io/ach releases.

Usage ¶

import (
    "github.com/nao1215/fileparser/ach"
    moovach "github.com/moov-io/ach"
)

// Read ACH file
achFile, _ := moovach.ReadFile("payment.ach")

// Convert to TableData for SQL queries
tables := ach.FromFile(achFile)

// After SQL modifications, convert back to ACH
newFile, _ := tables.ToFile()