Automated Clearing House (ACH) demo in ruby
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Build Status Apache 2 licensed

Welcome to Moov's Ruby guide to using our Automated Clearing House (ACH) library and HTTP service! ACH is used to transfer trillions of dollars annually in the United States of America. The underlying format sends plaintext files between Financial Insitutions and the United States FED.

Example usecases of ACH:

  • Direct Deposit from your employer, government benefits (Social Security)
  • Paying a friend via apps (P2P payments)
  • Stock / Retirement investments or withdrawls

We offer documentation on how ACH works and Gusto has an excellent four part series on "How ACH works: A developer perspective".

Getting Started

You can pull down our example project and run it locally. The demo source code is in main.rb.

$ git clone

$ cd ruby-ach-demo

$ make && make run
Moov ACH Ruby Demo (version v0.1.0-dev)
File ea990a921f240eb71f29d80167a07755 created
File created successfully
File validated successfully

Getting Help

channel info
Project Documentation Our project documentation available online.
Google Group moov-users The Moov users Google group is for contributors other people contributing to the Moov project. You can join them without a google account by sending an email to After receiving the join-request message, you can simply reply to that to confirm the subscription.
Twitter @moov_io 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 an problem please open a GitHub Issue under the specific project that caused the error.
moov-io slack Join our slack channel to have an interactive discussion about the development of the project. Request an invite to the slack channel

Supported and Tested Platforms

  • 64-bit Linux (Ubuntu, Debian), macOS, and Windows
  • Rasberry Pi

Note: 32-bit platforms have known issues and are not supported.


Yes please! Please review our Contributing guide and Code of Conduct to get started!

Note: This project uses Go Modules, which requires Go 1.11 or higher, but we ship the vendor directory in our repository.


Apache License 2.0 See LICENSE for details.