$transaction_code. #Transaction Code
$aba. #Receiving DFI Identification, check digit
substr($account.(' 'x17), 0, 17). #DFI Account number (Left justify)
- sprintf('%010d', $cust_pay_batch->amount * 100). #Amount
+ sprintf('%010.0f', $cust_pay_batch->amount * 100). #Amount
$cust_identifier. #Individual Identification Number, 15 char
$cust_name. #Individual name (22-char)
' '. #2 char "company internal use if desired"