---
title: "Pay AP invoices via NACHA file (PAS)"
slug: "ach-bank-transfers"
updated: 2026-07-24T19:58:39Z
published: 2026-07-24T19:58:39Z
canonical: "help.wrapbook.com/ach-bank-transfers"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.wrapbook.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pay AP invoices via NACHA file (PAS)

> [!NOTE]
> Looking for Vendor Payments?
> 
> Wrapbook offers two ways to pay vendors via ACH:
> 
> - NACHA file (this article): Wrapbook generates a payment file that you download and upload to your bank. Requires CSM configuration.
> - Vendor Payments: Wrapbook sends the ACH transfer directly — no file upload required. Requires a one-time KYC setup.
> 
> If your company has Vendor Payments enabled, see the Vendor Payments setup guide (PAS) to get started.

## Overview

Wrapbook's NACHA file method lets you pay AP invoices via ACH bank transfer by generating a payment file that you download and submit directly to your bank.

## NACHA files

A *NACHA* file is a standardized electronic payment file format used by banks in the US for processing ACH transfers.

Here are the key points about NACHA files:

- Most U.S. financial institutions that are part of the [ACH network](https://www.nacha.org/content/consumer-faqs-ach-payments) can process NACHA files, since it’s the standard format for ACH payments. To determine if your bank accepts NACHA, see
- NACHA files contain specific header information and payment instructions that tell banks how to process transfers between accounts
- For security reasons, these files require [multi-factor authentication (MFA)](/v1/docs/multi-factor-authentication-mfa) to generate and download
- Once generated, NACHA files cannot be edited or destroyed - they’re encrypted and permanently stored, but they can be [voided](/docs/ach-bank-transfers#ach-returns)
- Once generated, it’s the payor’s responsibility to make sure the NACHA file is submitted to the bank that the payment is coming from. This typically involves logging into your company’s online banking portal, navigating to the ACH or payment section, and uploading the NACHA file. Be sure to confirm with your bank the exact directions for submitting NAHCA files for ACH bank transfers.
- The effective date for payments is typically set to the next banking day plus one additional business day
- Banks may also require test files (called *prenotes*) with $0 transactions to validate the format before allowing actual payments

## How to find out if your bank accepts NACHA files

These banks are known to support NACHA file uploads for business clients:

- JPMorgan Chase
- Bank of America
- Wells Fargo
- Citibank
- City National Bank
- PNC Bank
- U.S. Bank
- TD Bank
- Capital One (for business accounts)
- Regions Bank
- BB&T (now Truist)

Even if your company’s bank isn’t listed above, be assured that most U.S. banks follow NACHA guidelines and may still facilitate these file uploads. You can use these tips to learn more from your bank:

- Look for the bank's *ACH* page, and mentions of *NACHA file upload*, *ACH origination*, or *corporate ACH*
- Contact your company’s business banking representative to confirm whether the bank allows direct NACHA file uploads. You can ask for *ACH Origination via File Upload* specifically.

## Requirements for using ACH to pay vendors

In order to use ACH to pay vendors:

- Your company’s Wrapbook account must have the [Production Accounting Suite (PAS)](/v1/docs/about-production-accounting) enabled
- You’ll need to contact your company’s Wrapbook Customer Success Manager (CSM) to help you set up ACH payments in Wrapbook
- Be ready to provide your CSM with the bank account number and routing number that will be used to send vendor payments
- Know how to submit NACHA files to your bank - contact your bank for instructions if necessary
- Add the vendor’s bank account number and routing number for payments
- The [AP invoice(s)](/v1/docs/about-ap-invoices-pas) for the vendor payment(s) must have a *Bank account* selected, a *Payment type* of **Payment file** selected, and it must have already been [posted](/v1/docs/post-ap-transactions-pas) to the General Ledger (GL)

### Adding vendor bank information for ACH transfers

Before you can use ACH to pay vendors, you’ll need to add the vendor’s bank number and routing number.

- To learn how to create a new vendor, see [Add a vendor](/v1/docs/add-a-vendor).
- To learn how to update an existing vendor, see [Update vendor information](/v1/docs/update-vendor-information)

![Form fields for contact information, bank account, and W-9 upload options displayed.](https://cdn.us.document360.io/67f3ef76-1568-46b4-8047-4792fc3a99ce/Images/Documentation/image-1744219913828.png)

*On the Vendors page, click the* ***Add bank account*** *button*

![Form fields for bank account details, including account number and W-9 upload option.](https://cdn.us.document360.io/67f3ef76-1568-46b4-8047-4792fc3a99ce/Images/Documentation/image-1744220100895.png)

*Add the* ***Account number, Routing number****, select the* ***Account purpose*** *and* ***Account type****, then click the* ***Save*** *button*

## Paying AP invoices via ACH bank transfer

### Before you begin

NACHA file download must be configured for your company by your Wrapbook Customer Success Manager (CSM). If you don't see the ACH option for your NACHA-configured bank when creating a payment batch, contact your CSM or the [Support Team](/v1/docs/how-to-get-help-using-wrapbook).

### Step 1: Create and post an AP invoice

Create your AP invoice using either the *AP Inbox* (OCR) or *manual entry* — whichever method your team uses. For full instructions, see [Adding AP invoices in Wrapbook (PAS)](/v1/docs/create-an-ap-invoice-pas#how-to-add-an-ap-invoice-in-wrapbook).

**Regardless of how you add the invoice, make sure to set the following fields before saving:**

- *Accounting bank* — select your NACHA-configured bank (for example., CNB)
- *Payment type* — select **ACH**

Once the invoice details are confirmed, save and post the invoice. For posting instructions, see [Post AP transactions (PAS)](/v1/docs/post-ap-transactions-pas).

The invoice now appears on the *Posted & unpaid* tab with an *Unpaid* status.

### Step 2: Create a payment batch

1. From the project’s [*Accounts payable* dashboard](/v1/docs/about-ap-invoices-pas#access-the-accounts-payable-dashboard), click the **Create payment batch** button
2. In the *Create payment batch* popup:
  - *Bank* — select your NACHA-configured bank
  - *Payment type* — select **ACH**
  - Click the **Continue** button
3. On the *Select invoices to pay* screen, click to check the invoices you want to include and then click the **Create payment batch** button at the bottom of the page

Now, the payment batch is created in *Draft* status and a *Prepare ACH file* button appears in the top-right corner of the batch.

### Step 3: Prepare the ACH file

- From the payment batch, click **Prepare ACH file**
- If you’re not already on the payment batch page and need to find it, go to the project’s [*Accounts payable* dashboard](/v1/docs/about-ap-invoices-pas#access-the-accounts-payable-dashboard), click the **Payments** tab, and then click on the *Batch #*

A confirmation will appear: *Payment batch processed and payments are being processed.*

The batch status now changes from *Draft* to *Needs action*, and the *Prepare ACH file* button changes to *Download ACH* file.

### Step 4: Download the ACH file

You can download the file two ways:

**Option A — From the payment batch view:** Click the **Download ACH file** button in the top-right corner of the batch page.

**Option B — From the Payments tab:**

1. Click the *Payments* tab on the [*Accounts payable* dashboard](/v1/docs/about-ap-invoices-pas#access-the-accounts-payable-dashboard)
2. Find the payment with *Needs action* status
3. Click the **Download file** button in the *Action* column

Using either option will open the *Payment batch* drawer, which displays the payment file details: filename, effective date, generated date, payee(s), TRX #, account and routing numbers, category, amount, and status.

Click the **Download ACH file** button at the bottom of the drawer. A *Save* popup appears — choose a location on your computer and save the file.

After the file downloads to your computer, a yellow verification banner appears in the drawer giving you the option to either:

- *Redownload*
- *Confirm and mark as paid*

### Step 5: Submit the file to your bank

Open the downloaded `.ach` file and verify the contents look correct. Then log into your bank's online portal, navigate to the ACH or payment upload section, and upload the file. Contact your bank for their specific instructions.

### Step 6: Confirm and mark as paid

Once your bank confirms the payments have been processed:

1. Return to the payment batch drawer in Wrapbook.
  - If the payment batch drawer is not already open, you can open it by going to the project’s [*Accounts payable* dashboard](/v1/docs/about-ap-invoices-pas#access-the-accounts-payable-dashboard), clicking the **Payments** tab, and then clicking on the *Batch #*
2. In the verification banner, click **Yes, confirm and mark as paid**

A confirmation appears: *These payments are being posted to the general ledger.*

Wrapbook marks the payments as *Paid* and posts the transactions to the GL.

**If the file didn't download correctly:** Click **No, redownload** in the banner to download the file again before confirming.

**Note:** One NACHA file is generated per payment batch. If you need separate files for different banks or vendors, create separate payment batches.

## ACH returns

ACH returns can happen for a variety of reasons, but is typically the result of incorrect banking information or insufficient funds in the bank account.

When an ACH payment is returned you’ll need to void the NACHA file, resolve the issue(s) that caused the payment to be returned, update the AP invoice, and generate a new NACHA file for payment.

To void an NACHA file:

1. In the left-side navigation, click the dropdown menu and select the project
2. In the left-side navigation ACCOUNTING menu, click **Accounts payable**
3. On the *Accounts payable* dashboard, click the **Payments** tab
4. Click on the *Payment #*
5. In the *Payment details* drawer, click **Void and cancel**
6. In the *Void and cancel invoice* popup, under *What you would like to do with the PO lines?* click to choose either:
  - *Close PO lines*
  - *Reopen PO lines* - This will duplicate the PO lines and set their status to open
7. Click the **Confirm** button

## Failed payments

Failed payments typically occur when the bank account information for the vendor is incorrect. If one or more payments in an ACH transfer fail, please contact your CSM or the [Support Team](/v1/docs/how-to-get-help-using-wrapbook) for assistance.

(Automatic Clearing House) An electronic payment form that is usually provided for free by the bank. Wire transfers are generally not free.

Know Your Customer

(Accounts Payable) Cash disbursements through the payment of vendor invoices and other payables

Original and detailed book of record for all accounting transactions arranged by departmental account codes that occurs throughout the lifetime of a production.

The method of identifying a group of documents input to an accounting system together for data flow control purposes; in data processing, a group of items entered a unique alpha and/or numerical identifier and held until processed. Regarding payroll processing, “batch” often denotes a specific department.

Recording entries to the general ledger in the computer accounting system.

Purchase order (PO) lines are distinct line items on a purchase order that specifies a good or service, its description, quantity or unit detail, account coding, and amount. Each PO line maintains its own balance that can be fully or partially relieved by accounts payable invoices.