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main.go
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main.go
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// Licensed to The Moov Authors under one or more contributor
// license agreements. See the NOTICE file distributed with
// this work for additional information regarding copyright
// ownership. The Moov Authors licenses this file to you under
// the Apache License, Version 2.0 (the "License"); you may
// not use this file except in compliance with the License.
// You may obtain a copy of the License at
//
// http://www.apache.org/licenses/LICENSE-2.0
//
// Unless required by applicable law or agreed to in writing,
// software distributed under the License is distributed on an
// "AS IS" BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY
// KIND, either express or implied. See the License for the
// specific language governing permissions and limitations
// under the License.
package main
import (
"log"
"os"
"time"
"github.com/moov-io/ach"
)
func main() {
// Example transfer to write an ACH POS file to send/credit a external institutions account
// Important: All financial institutions are different and will require registration and exact field values.
// Set originator bank ODFI and destination Operator for the financial institution
// this is the funding/receiving source of the transfer
fh := ach.NewFileHeader()
fh.ImmediateDestination = "231380104" // Routing Number of the ACH Operator or receiving point to which the file is being sent
fh.ImmediateOrigin = "121042882" // Routing Number of the ACH Operator or sending point that is sending the file
fh.FileCreationDate = time.Now().Format("060102") // Today's Date
fh.ImmediateDestinationName = "Federal Reserve Bank"
fh.ImmediateOriginName = "My Bank Name"
// BatchHeader identifies the originating entity and the type of transactions contained in the batch
bh := ach.NewBatchHeader()
bh.ServiceClassCode = ach.DebitsOnly
bh.CompanyName = "Name on Account" // The name of the company/person that has relationship with receiver
bh.CompanyIdentification = fh.ImmediateOrigin
bh.StandardEntryClassCode = ach.POS
bh.CompanyEntryDescription = "Sale" // will be on receiving accounts statement
bh.EffectiveEntryDate = time.Now().AddDate(0, 0, 1).Format("060102") // YYMMDD
bh.ODFIIdentification = "121042882" // Originating Routing Number
// Identifies the receivers account information
// can be multiple entry's per batch
entry := ach.NewEntryDetail()
// Identifies the entry as a debit and credit entry AND to what type of account (Savings, DDA, Loan, GL)
entry.TransactionCode = ach.CheckingDebit // Code 27: Debit (withdrawal) from checking account
entry.SetRDFI("231380104") // Receivers bank transit routing number
entry.DFIAccountNumber = "12345678" // Receivers bank account number
entry.Amount = 100000000 // Amount of transaction with no decimal. One dollar and eleven cents = 111
entry.SetTraceNumber(bh.ODFIIdentification, 1)
entry.IndividualName = "Receiver Account Name" // Identifies the receiver of the transaction
entry.DiscretionaryData = "01"
entry.AddendaRecordIndicator = 1
addenda02 := ach.NewAddenda02()
addenda02.ReferenceInformationOne = "REFONEA"
addenda02.ReferenceInformationTwo = "REF"
addenda02.TerminalIdentificationCode = "TERM02"
addenda02.TransactionSerialNumber = "100049"
addenda02.TransactionDate = "0614"
addenda02.AuthorizationCodeOrExpireDate = "123456"
addenda02.TerminalLocation = "Target Store 0049"
addenda02.TerminalCity = "PHILADELPHIA"
addenda02.TerminalState = "PA"
addenda02.TraceNumber = "121042880000001"
// build the batch
batch := ach.NewBatchPOS(bh)
batch.AddEntry(entry)
batch.GetEntries()[0].Addenda02 = addenda02
if err := batch.Create(); err != nil {
log.Fatalf("Unexpected error building batch: %s\n", err)
}
// build the file
file := ach.NewFile()
file.SetHeader(fh)
file.AddBatch(batch)
if err := file.Create(); err != nil {
log.Fatalf("Unexpected error building file: %s\n", err)
}
// write the file to std out. Anything io.Writer
w := ach.NewWriter(os.Stdout)
if err := w.Write(file); err != nil {
log.Fatalf("Unexpected error: %s\n", err)
}
w.Flush()
}