Canadian CPA-005 EFT Direct Deposit & Vendor Payment File Generator
Convert employee payroll & supplier CAD spreadsheets into strict 1464-character CPA-005 files (Record A Header, 6×240-byte Record C Segments, Record Z Trailer) for RBC Express, TD, BMO, Scotiabank, and CIBC.
Why do RBC Express, TD Commercial, and ScotiaConnect reject standard CSVs?
Canadian EFT clearing requires exact 1464-character logical records packing up to six 240-character payment segments per line, 0YYDDD Julian dates, and 9-digit 0IIITTTTT Institution + Branch Transit routing codes.