Payroll teams running ERPNext close each pay cycle cleanly inside the system, then hit a wall at the last step: getting the money out. ERPNext HR & Payroll produces Salary Slips and a Payroll Entry, and it can post the accounting Journal Entry, but it does not emit a file your bank will actually accept. So the team exports to a spreadsheet, hand-keys beneficiary rows into the bank portal, or fights a template that breaks on a malformed IBAN or a record-count trailer that is off by one. On a 300-employee run that is hours of manual, error-prone work every month, with no audit trail of what was sent versus what cleared.

ECOSIRE builds a proper Frappe app that plugs this exact gap. We ship a Payroll Bank File DocType that references a submitted Payroll Entry, reads the linked Salary Slips and Employee bank details, and renders a disbursement file in the exact fixed-width or delimited layout your bank mandates — NACHA/ACH for US banks, ISO 20022 pain.001 / SEPA credit transfer for European rails, or the local batch format your bank publishes (many GCC, South Asian, and African banks have their own). Bank layouts live in a Bank File Template DocType so a new bank is a configuration record, not a code change: you define field mapping, padding, header/trailer, hash/checksum rules, and the character set. A whitelisted server method (@frappe.whitelist()) drives generation, and a validate doc event plus server-side checks enforce IBAN checksum (ISO 7064 mod-97), account-number format, currency, and net-pay totals before a single byte is written — so the bank rejects nothing.

Technically it is a clean, upgrade-safe Frappe app: DocTypes, hooks.py doc events (validate, on_submit), server scripts for the bank-specific formatting logic, and an optional client script that adds a "Generate Bank File" button to the Payroll Entry form. Role-based permissions restrict generation to a Payroll Manager / Payroll Officer role profile, and every file write is logged with the operator, timestamp, run total, and record count for audit. Files can be AES-encrypted at rest and carry the bank's required checksum/hash-total trailer. A scheduler event polls or ingests the bank's return/acknowledgement file to flag each beneficiary as paid, returned, or rejected, writing status back onto the disbursement record so reconciliation is visible in ERPNext instead of in someone's inbox. Everything is exposed over the Frappe REST API for integration, and it targets Frappe/ERPNext v15 and v16.

Because this is build-to-order, we scope it to your actual bank(s) and payroll structure first. You send us a real (redacted) sample file spec from your bank; we confirm the format, edge cases, and multi-company or multi-currency needs on a short call, then build, test on a staging copy of your data, and hand it over installed and documented. Typical delivery is 2–4 weeks from confirmed scope. You receive the full source and git repository, so you are never locked to us — we support it, but you own it.