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Payment gateway enabling automated ACH operations in a distributed and fault tolerant way.
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moov-io/achgateway
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An extensible, highly-available, distributed, and fault-tolerant ACH uploader and downloader. ACH Gateway creates events for outside services and transforms files prior to upload to fit real-world requirements of production systems.
If you believe you have identified a security vulnerability please responsibly report the issue as via email tosecurity@moov.io. Please do not post it to a public issue tracker.
Read through theproject docs to gain an understanding of this project's purpose and how to run it.
We publish apublic Docker imagemoov/achgateway from Docker Hub or use this repository. No configuration is required to serve on:8484 and metrics at:9494/metrics in Prometheus format.
Start achgateway and an FTP server:
# Inside of ./examples/getting-started/$ docker compose up achgateway...achgateway_1 | ts=2021-06-18T23:38:06Z msg="public listening on :8484" version=v0.4.1 level=info app=achgatewayachgateway_1 | ts=2021-06-18T23:38:06Z msg="listening on [::]:9494" version=v0.4.1 level=info app=achgatewaySubmit a file to achgateway (Nacha ACH format):
$ curl -XPOST "http://localhost:8484/shards/foo/files/f6" --data @./testdata/ppd-debit.ach...achgateway_1 | ts=2021-06-18T23:38:16Z msg="begin handle received ACHFile=f6 of 1918 bytes" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:38:16Z msg="finished handling ACHFile=f6" level=info app=achgateway version=v0.4.1Submit a file to achgateway (moov-io ACH JSON format):
$ curl -XPOST "http://localhost:8484/shards/foo/files/f4" --data @./testdata/ppd-valid.json...achgateway_1 | ts=2021-06-18T23:38:16Z msg="begin handle received ACHFile=f4 of 1918 bytes" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:38:16Z msg="finished handling ACHFile=f4" level=info app=achgateway version=v0.4.1Initiate cutoff time processing (aka upload to your ODFI):
$ curl -XPUT "http://localhost:9494/trigger-cutoff" --data '{"shardNames":["testing"]}'achgateway_1 | ts=2021-06-18T23:38:20Z msg="starting manual cutoff window processing" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:38:20Z msg="processing mergable directory foo" level=info app=achgateway version=v0.4.1 shardKey=fooachgateway_1 | ts=2021-06-18T23:38:20Z msg="found *upload.FTPTransferAgent agent" version=v0.4.1 shardKey=foo level=info app=achgatewayachgateway_1 | ts=2021-06-18T23:38:20Z msg="found 1 matching ACH files: []string{\"storage-1/20210618-233820/foo/f4.ach\"}" tenantID=foo level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:38:20Z msg="merged 1 files into 1 files" level=info app=achgateway version=v0.4.1 tenantID=fooView the uploaded file withachcli from moov-io/ach:
$ achcli ./testdata/ftp-server/outbound/20210618-233820-231380104.achDescribing ACH file './testdata/ftp-server/outbound/20210618-233820-231380104.ach' Origin OriginName Destination DestinationName FileCreationDate FileCreationTime 121042882 Wells Fargo 231380104 Citadel 181008 0101 BatchNumber SECCode ServiceClassCode CompanyName DiscretionaryData Identification EntryDescription DescriptiveDate 1 PPD 200 (Mixed Debits and Credits) Wells Fargo 121042882 Trans. Des TransactionCode RDFIIdentification AccountNumber Amount Name TraceNumber Category 22 (Checking Credit) 23138010 81967038518 100000 Steven Tander 121042880000001 TransactionCode RDFIIdentification AccountNumber Amount Name TraceNumber Category 27 (Checking Debit) 12104288 17124411 100000 My ODFI 121042880000002 ServiceClassCode EntryAddendaCount EntryHash TotalDebits TotalCredits MACCode ODFIIdentification BatchNumber 200 (Mixed Debits and Credits) 2 35242298 100000 100000 12104288 1 BatchCount BlockCount EntryAddendaCount TotalDebitAmount TotalCreditAmount 1 1 2 100000 100000Initiate inbound file processing:
$ curl -XPUT "http://localhost:9494/trigger-inbound"achgateway_1 | ts=2021-06-18T23:39:06Z msg="starting odfi periodic processing for testing" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="start retrieving and processing of inbound files in ftp:2121" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="created directory storage-1/download318650464" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="*upload.FTPTransferAgent found 1 inbound files in /returned/" app=achgateway version=v0.4.1 level=infoachgateway_1 | ts=2021-06-18T23:39:06Z msg="saved return-WEB.ach at storage-1/download318650464/returned/return-WEB.ach" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="*upload.FTPTransferAgent found 1 reconciliation files in /reconciliation/" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="saved ppd-debit.ach at storage-1/download318650464/reconciliation/ppd-debit.ach" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="*upload.FTPTransferAgent found 1 return files in /returned/" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="saved return-WEB.ach at storage-1/download318650464/returned/return-WEB.ach" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="odfi: processing return file" app=achgateway version=v0.4.1 origin=691000134 destination=091400606 level=infoachgateway_1 | ts=2021-06-18T23:39:06Z msg="odfi: return batch 0 entry 0 code R01" app=achgateway origin=691000134 destination=091400606 version=v0.4.1 level=infoachgateway_1 | ts=2021-06-18T23:39:06Z msg="odfi: return batch 1 entry 0 code R03" version=v0.4.1 level=info app=achgateway origin=691000134 destination=091400606achgateway_1 | ts=2021-06-18T23:39:06Z msg="cleanup: deleted remote file /returned/return-WEB.ach" version=v0.4.1 level=info app=achgatewayachgateway_1 | ts=2021-06-18T23:39:06Z msg="cleanup: deleted remote file /reconciliation/ppd-debit.ach" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="cleanup: deleted remote file /returned/return-WEB.ach" level=info app=achgateway version=v0.4.1achgateway_1 | ts=2021-06-18T23:39:06Z msg="finished odfi periodic processing for testing" app=achgateway version=v0.4.1 level=infoachgateway accepts files over HTTP and Kafka to queue them up for upload at a Nacha cutoff time. This allows systems and humans to publish files and have them be optimized for upload. achgateway is inspired bythe work done in moov-io/paygate and is used in production at Moov.
This project is used in production at multiple companies and has reached a stable status. We are looking to improve the configuration of ACHGateway and looking for feedback from real-world usage. Please reach out and share your story.
| channel | info |
|---|---|
| Project Documentation | Our project documentation available online. |
| Twitter@moov | You can follow Moov.io's Twitter feed to get updates on our project(s). You can also tweet us questions or just share blogs or stories. |
| GitHub Issue | If you are able to reproduce a problem please open a GitHub Issue under the specific project that caused the error. |
| moov-io slack | Join our slack channel (#ach) to have an interactive discussion about the development of the project. |
- 64-bit Linux (Ubuntu, Debian), macOS, and Windows
Yes please! Please review ourContributing guide andCode of Conduct to get started! Checkout ourissues for first time contributors for something to help out with.
This project usesGo Modules and uses Go 1.19 or higher. SeeGolang's install instructions for help setting up Go. You can download the source code and we offertagged and released versions as well. We highly recommend you use a tagged release for production.
Improving test coverage is a great candidate for new contributors and allows the project to move more quickly by reducing regression issues that might not be caught before a release is pushed out to our users. One great way to improve coverage is by adding edge cases and different inputs to functions (orcontributing and running fuzzers).
Tests can run processes (like SQLite databases), but should only do so locally.
Apache License 2.0 - SeeLICENSE for details.
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Payment gateway enabling automated ACH operations in a distributed and fault tolerant way.