Data Exports: NACHA

Modified on Thu, Jul 9 at 5:01 PM

TABLE OF CONTENTS

Export Details
What's Included in This Export
Ingesting Exports Into Your Data Warehouse
Data Dictionary
Frequently Asked Questions

The NACHA Report provides an aggregated and enriched view of the transactions included in a specific NACHA file, aligned exactly with what was sent to partners.

Export Details

Frequency: Daily
Channel: SFTP or File Transfer API
Format: .csv, pipe-delimited, double-quoted

Note: The file uses a .csv extension, but fields are separated by pipes (|), not commas. Make sure your ingestion process is configured to parse it accordingly.

The data included follows a fixed, predetermined format that scales across 100+ credit unions.

What's Included in This Export

Each file contains transactions from NACHA files sent in the past 1 day.

File name (SFTP only): nacha-1-day_YYYYMMDDThhmmssZ_part-00000.csv

Note: When using the File Transfer API, the .csv file is delivered inside a .zip archive.

Ingesting Exports Into Your Data Warehouse

Update: If a record already exists in your data warehouse as a row in a table, update the entire row. If it doesn't exist, create a new row.
Append: Always add new rows to the existing table.

Data Dictionary

Field Name	Description	Example
PARTNER_ID	String: partner identifier UUID.	0030dbe4-ead5-4543-afa1-61d24688b4ef
PARTNER_ALIAS	String: partner alias.	mycreditunion
NACHA_DOCUMENT_ID	String: document identifier UUID.	91290a0f-579d-4de0-824f-0a510a619a8c
NACHA_FILE_NAME	String: NACHA .txt file name.	2026-01-21:20-00-35-nacha-file.txt
NACHA_DOCUMENT_TYPE	String: NACHA or NACHA_REVERSAL.	NACHA_REVERSAL
IS_REVERSAL	Boolean: whether this is a reversal document.	false / true
ORIGINAL_NACHA_DOCUMENT_ID	String: the UUID identifier of the original document being reverted.	462d46f6-76a2-4d66-8716-4046ac0a6ee7
REVERSAL_TYPE	String: PARTIAL, FILE, or null.	FILE
NACHA_GENERATED_AT	Datetime: when the file was created.	2026-01-21T20:00:35.990+00:00
NACHA_TRANSACTION_COUNT	Integer: total transactions in the file.	3
NACHA_TOTAL_AMOUNT	Decimal(13,2): total amount in the file.	123.45
APPLICATION_ID	String: application identifier UUID.	5f2ff68e-fb74-4303-ad9a-2169cc0d543b
APPLICATION_NUMERIC_ID	Integer: human-readable application identifier.	1242840
APPLICATION_STATUS	String: application status.	accepted
APPLICATION_CREATED_AT	Datetime: when the application was created.	2026-01-21T18:08:12.815+00:00
MEMBER_NUMBER	Number: applicant's member number.	292470
APPLICANT_FULL_NAME	String: applicant's full name.	John Doe
APPLICANT_EMAIL	String: applicant's email.	john.doe@withclutch.com
FUNDING_CHARGE_ID	String: funding charge identifier UUID.	b176d767-6d34-4365-a9c2-ab4447a20bc8
FUNDING_CHARGE_AMOUNT	Decimal(13,2): funding amount.	567.80
FUNDING_CHARGE_TYPE	String: funding charge type.	ach
FUNDING_CHARGE_STATUS	String: funding charge status.	completed
NACHA_FILE_ELIGIBLE_TRANSACTION_ID	String: eligible transaction identifier UUID.	ef5b0ac5-9345-4f8a-ad06-8355192109dc
NACHA_FILE_ELIGIBLE_TRANSACTION_CREATED_AT	Datetime: when the transaction was added to the NACHA file.	2026-01-21T18:10:08.260+00:00

Frequently Asked Questions

How can I get started with data exports?

Ask your Implementation team or Customer Success Manager to turn it on for you. We recommend querying files through the File Transfer API, which makes it easy to build automations, set retries, or pull retroactive files. Alternatively, you can use SFTP, which requires setting up a connection (and may involve your IT team) and hosting your own server.

Why should I use Clutch's data exports?

Data exports keep your team informed without needing to request ad-hoc reports. They work for both operations and IT teams: operations can open the .csv file in Excel or Google Sheets, while IT can ingest the data directly into your data warehouse to build reports on top of it.

What's the cost?

Clutch does not charge any additional fees. If you choose SFTP, you'll need to host your own SFTP server. If you use the File Transfer API, only minor configuration is required on your side.

How long are the exports available for download?

With SFTP, retention is up to you, since you host the server. If you need retroactive files, submit a ticket with our support team. With the File Transfer API, new exports are generated daily and remain available for one week, so you can query them whenever you need to.

What should I do if I didn't receive my daily file?

Contact our support team at support@withclutch.com for assistance.

I lost access to a file and need to recover a copy. How can I get it?

If you're using the File Transfer API, you can re-query the file using its reference date. If you're using SFTP, contact your Customer Success Manager to arrange a recovery.

I need a data export for sandbox data. How do I get it?

Sandbox environments only contain test users and can be misleading for data interpretation, so we do not support sandbox data exports.

How can I request a new data export to answer new business questions?

Let us know what you're trying to achieve. Your Implementation team can guide you on whether an existing export already answers your question, or share your request with our product team.

What should I do if I want additional fields in my data export?

Custom fields per credit union aren't currently supported, and new fields are typically added on a quarterly basis. Contact your Implementation team or Customer Success Manager to let them know which fields you need.

What should I do if I want to report inconsistencies in the data?

Let your Implementation team or Customer Success Manager know, or submit a ticket to our support team at support@withclutch.com, and we'll assign an engineer to investigate right away.