[snip]
Does anyone know of a script that can create an ACH origination file
with 
PHP?[/snip]

How do you want to input amounts, routing numbers, and account numbers?
Have you checked out the NACHA file specifications? http://www.nacha.org
Do you need to perform file encryption before you transmit? How will you
transmit (FTP, SFTP, web service)? This is a simple question with many
variables.

Essentially the ACH file is a text file that is reasonably easy to
create with PHP and you can use either a database or file I/O or XML to
input amounts, routing, etc. 

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