Supported

Capability	Details
Input files	CSV, XLSX, and rows pasted straight from a spreadsheet. Columns are mapped in the browser, and the mapping can be saved for reuse.
Entry class codes	CCD for payments to business accounts and PPD for payments to consumer accounts, one class per file. CCD vs PPD covers the choice, and all SEC codes lists the classes that exist.
Transaction direction	Credits only — money leaving your account to recipients. Payroll, vendor payments, reimbursements, and commissions all fit here.
Batch structure	One batch per file, unbalanced (no offsetting entry). Most banks that accept customer-originated NACHA uploads expect exactly this.
Account types	Checking and savings, on live entries and prenotes alike.
Addenda	One optional type 05 addenda record per live entry, for invoice numbers or other free-form remittance text.
Prenotes	Zero-dollar credit prenotes for verifying account details before the first real payment. See the prenote generator.
Output	Fixed-width .ach or .txt downloads, blocked to 10-line boundaries, plus an optional local remittance CSV report.

Not supported

Not covered	Why
ACH debits	Pulling funds from someone else's account. Debit origination normally needs a separate bank agreement.
Balanced files	Files containing an offsetting entry for your own account. Ask your bank whether it requires balanced files before you start.
Other entry classes	WEB, TEL, CTX, and IAT are out of scope. They carry authorization and formatting rules beyond CCD and PPD.
Multiple batches	One file holds one batch. Split differing effective dates or entry classes into separate files.
Reversals and NOC	Reversal files and notifications of change are handled by your bank, not here.
Canadian EFT	The generator writes US NACHA records only.
API and transmission	There is no API, and no file is ever transmitted to a bank. You download the file and upload it yourself.

Check your file against this list

If you are unsure whether an existing file fits the supported subset, run it through the ACH file validator — it reports the entry class, batch count, and record structure. The annotated ACH file format guide explains what each field position means, and how it works walks through the full path from spreadsheet to bank upload.