US Customer ACH Debit
Customer ACH Debit Authorization & Collection File builder with ABA validation and NACHA-style output (BYOK)
Customer ACH Debit Authorization & Collection File builder with ABA validation and NACHA-style output (BYOK)
Key Features
Capture the customer mandate
ABA routing number (validated with the official mod-10 checksum), account number stored full but displayed masked (last four only), account type (checking / savings), Standard Entry Class code (WEB / PPD / CCD), authorization type (single /
SEC-code-specific rules
WEB (internet-initiated consumer debits) requires capturing the authorization-method evidence (how and when the consumer authorized the debit). PPD requires a signed authorization date. CCD is for corporate counterparties.
Revocation tracking
a revoked flag and revoked date freeze the mandate so it is never selected again.
Each recurring mandate carries a next-debit date that
Each recurring mandate carries a next-debit date that is advanced automatically by its frequency (weekly, bi-weekly, monthly, quarterly, annual) every time it is collected.
A collection run selects the authorizations that are
A collection run selects the authorizations that are due (recurring whose next-debit date is reached, plus ad-hoc single mandates) and builds a NACHA-style ACH debit batch file:
File Header Record (type 1)
File Header Record (type 1)
Batch Header Record (type 5), one batch per
Batch Header Record (type 5), one batch per SEC code
Entry Detail Record (type 6) with transaction code
Entry Detail Record (type 6) with transaction code 27 (checking debit) or 37 (savings debit)
Addenda Record (type 7) for WEB entries
Addenda Record (type 7) for WEB entries
Batch Control Record (type 8) with entry/addenda count,
Batch Control Record (type 8) with entry/addenda count, entry hash and total debit amount
File Control Record (type 9) with batch count,
File Control Record (type 9) with batch count, block count, entry/addenda count, entry hash and total debit amount
Records are fixed 94-character lines, blocked to a
Records are fixed 94-character lines, blocked to a factor of 10 with all-9 filler records, exactly as a depository institution expects.
Screenshots
Why Choose This Module
Manage your customers' ACH debit authorizations and build the NACHA-style collection file that your own bank (ODFI) originates. This module is BYOK (bring-your-own-key): it validates and governs the mandate data and produces a standards-compliant file, but it never originates or transmits ACH entries itself.
Specifications
- Compatible: Odoo 18.0 / 19.0
- License: OPL-1
- Languages: English
- Author: Pokutsoft
- Dependencies: account
- Support: support@pokutsoft.com
Update date: 2026-07-05