As a consultant I have seen numerous organizations conduct business with banks that do not conform to the ACH CCD Cash Concentration/ Disbursement File format. Most recently I was at an organization that sends electronic funds transfer (EFT) files to a Canadian bank that required a proprietary file format for incoming EFT files. To conform to the bank’s requirements, the organization had customized the NACHA Payment Format program in 11i.
In R12, Oracle introduced the Payments module which replaces the payments functionality within Payables. The Payments module utilizes BI Publisher templates instead of Oracle Reports to generate formatted EFT files. As a result, you have to re-implement the customizations that were made to the NACHA Payment Format program in earlier releases.