Fixes moov-io/ach POST /files/create 500ing on raw NACHA text bodies while JSON works. Use this when allowMissingFileHeader/allowMissingFileControl flags have no effect on text/plain posts. Not for JSON-body creation issues.
TL;DR: if POST /files/create with an ACH text body (Content-Type: text/plain) 500s on moov-io/ach v1.34.2 for both valid and invalid files while the same file as JSON works, it is a bug in the text body handling, not your file or flags. Upgrade to v1.34.4 or later; the fix shipped in PR #1379 and the reporter confirmed it works. No request change needed, just the version bump.
Steps
Upgrade moov-io/ach to v1.34.4+.
Re-submit the text file with the bypass flags as before.
Expected: the file is accepted. Success check: no more 500 on the text path.
JSON creation fails too; that is a different problem.
You are on v1.34.4+ and still see it; report it.
Compatibility
moov-io/ach v1.34.4+ (PR #1379).
Variant phrasings
"moov ach files/create 500 text"
"moov-io allowMissingFileHeader no effect"
Root cause
The text-body code path mishandled the request independent of the bypass flags.
Edge cases
General lesson: when one content type works and another 500s on the same data, the bug is in the failing content-type's code path; check the project's issues for that path before re-encoding files.
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Published recentlyPublished Oct 3, 2026. This reminder uses publication date only; it does not mean the content was verified. Review again after Apr 1, 2027.
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Published recentlyPublished Oct 3, 2026. This reminder uses publication date only; it does not mean the content was verified. Review again after Apr 1, 2027.