DefaultFilenameTemplate is paygate's standard filename format for ACH files which are uploaded to an ODFI The format consists of a few parts: "year month day" timestamp, "hour minute" timestamp, and routing number Examples: - 20191010-0830-987654320.ach - 20191010-0830-987654320.ach.gpg (GPG encrypted).

ODFI holds all the configuration for sending and retrieving ACH files with a financial institution to originate files.