Fintech Toolbox — ACH File Parser, Validator & ISO 20022 Tools

A free, browser-based toolbox for payments engineers: parse and validate ACH (NACHA) files including IAT, anonymize sensitive fields, track Same Day ACH cutoff windows and settlement dates, parse ISO 20022 camt.052/camt.053 messages, and look up SEC codes, return codes (R01–R85), change codes (NOC), and transaction codes. Everything runs locally — no file data ever leaves your browser.