WebSphere Transformation Extender Industry Packs provide out-of-the-box capabilities to integrate a range of industry standard data formats with your enterprise infrastructure. Industry Packs enable developers to accelerate the delivery of transformation solutions by providing predefined type tree templates, conversion maps, and in some cases provide validation maps and tools to remove risk from projects that require conformance to mandatory and advisory guidelines required by the regulatory body or industry service provider.WebSphere Transformation Extender Pack for NACHA is a Pack delivering templates for 2007 Automated Clearing House (ACH) compliant message exchange used throughout North America for electronic payments. More checks are also now processed as ACH transfers. The most common uses of ACH are online bill payment, mortgage and loan repayment, and direct deposit of payroll. Like many older financial formats ACH is in an 'envelope' structure consisting of a file header/trailer, batch header/trailer and detailed transaction records. This pack delivers validation using the guidance provided by NACHA. Maps are included for conversion of Cash Concentration and Dispersion (CCD) and Corporate Trading Exchange (CTX) ACH formats, with examples for handling ACH acknowledgements and returns.