Which CPA-005 Transaction Code should I use for Canadian payroll vs vendor AP vs Business PAD?

Under Payments Canada Standard 005, use CPA Code 200 for regular employee payroll Direct Deposit (or 201 for special/bonus payroll), CPA Code 450 (Miscellaneous Payment) or 460 (Accounts Payable) for B2B supplier/vendor EFT credits and standard PADs, CPA Code 452 for employee expense reimbursements, and CPA Code 700 for Business Pre-Authorized Debits (Business PAD under Rule H1).

How are six 240-byte payment segments packed inside a 1,464-character CPA-005 Record C or Record D line?

Every CPA-005 Record C (Direct Deposit Credit) or Record D (Pre-Authorized Debit) starts with a 24-character logical header (Record Type, 9-digit Logical Record Count, 10-character Originator ID, and 4-digit File Creation Number) followed by exactly 6 slots of 240 characters each (24 + 6 × 240 = 1,464 characters). Unused trailing slots on the final physical line are padded with ASCII spaces.

What is the difference between Canadian EFT Return Code 916 and Return Code 920?

Under Payments Canada Rule H1, Return Code 916 ('Not in Accordance with Agreement — Personal PAD') applies to consumer Pre-Authorized Debits and carries a 90-calendar-day reimbursement window, whereas Return Code 920 ('Not in Accordance with Agreement — Business PAD', CPA Code 700) applies to B2B commercial debits and carries a much shorter 10-business-day return window.

🇨🇦 Payments Canada Standard 005 & Rule H1 Reference • 1,464-Byte EFT API • C$0 / $0 Monthly Fee

Canadian `CPA-005` Transaction Codes (`200`, `450`, `700`), EFT Returns (`900–920`) & 1,464-Byte Unpacker

Lookup every Payments Canada Standard 005 CPA Transaction Code, Rule H1 EFT/PAD Return Reason, and 3-digit Institution ID for RBC Express, TD Web Business Banking, BMO Online for Business, ScotiaConnect, CIBC CMO, National Bank, and Desjardins—and unpack 1,464-byte Record A / C / D / Z segments in your browser.

Generate 1,464-Byte CPA-005 Files ($0.02/row) → RBC / TD / BMO / Scotia CSV Guide Convert XXXXX-YYY ↔ 0YYYXXXXX

Searchable Payments Canada CPA-005, Return & Institution Directory

Code	Category / Window	Official Payments Canada Meaning	Actionable Canadian Finance & Engineering Rule

100% Client-Side 1,464-Byte Record A/C/D/Z Segment Unpacker

Instant 1,464-Character `CPA-005` Record & `6×240-Byte` Segment Slicer

Paste any 1,464-character physical line from your .eft / .dat file—or click a preset below—to unpack the 24-byte header, decode 0YYDDD Julian dates, inspect all 6 packed 240-byte payment segments, and verify 0YYYXXXXX routing:

Calendar → CPA-005 6-Digit Julian Date (0YYDDD): CPA Julian: "026322" (Day 322 of 2026)

Production Cloud API ($0/mo + $0.02/row)

Generate Strict 1,464-Byte CPA-005 Files via REST

Automatically builds 0YYYXXXXX routing from 3-digit Institution + 5-digit Transit, converts ISO dates to 0YYDDD, packs 6 segments per line, and balances Record Z:

curl -X POST "https://api.apify.com/v2/acts/finops_studio~canada-cpa005-eft-generator/run-sync-get-dataset-items?token=YOUR_APIFY_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "originatorId": "MAPLETECH1",
    "originatorShortName": "MAPLE TECH INC",
    "originatorLongName": "MAPLE TECH SOLUTIONS INC",
    "destinationDataCentre": "00300",
    "fileCreationNumber": "0014",
    "returnInstitution": "003",
    "returnTransit": "00012",
    "returnAccount": "1004589",
    "dueDate": "2026-11-18",
    "transactions": [
      {
        "name": "SOPHIE TREMBLAY",
        "institution": "004",
        "transit": "10242",
        "accountNumber": "5548912",
        "amount": 2950.75,
        "cpaCode": "200",
        "reference": "PAY-2026-23"
      }
    ]
  }'

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Top 4 CPA-005 Upload Rejections (Code 900) Solved

Reversed Cheque MICR Order: Cheques show Transit-Inst (10242-004), whereas CPA-005 requires 0 + Inst + Transit (000410242).
Duplicate File Creation Number (FCN): Cols 21–24 (0001–9999) must increment on every submission to RBC/TD/BMO.
Short Final Record C Line: Even if your last line has only 1 or 2 payees, bytes 0265–1464 must be space-padded to exact 1,464 chars.
5-Digit vs 6-Digit Julian Date: CPA-005 mandates leading '0' (0YYDDD, e.g. 026322), unlike UK BACS (' 26322').

{
  "mcpServers": {
    "canada-cpa005": {
      "url": "https://mcp.apify.com/?actors=finops_studio/canada-cpa005-eft-generator",
      "headers": { "Authorization": "Bearer YOUR_APIFY_API_TOKEN" }
    }
  }
}

Frequently Asked Canadian CPA-005 & Rule H1 EFT Questions

Can the same CPA-005 format handle both CAD and USD Canadian bank accounts?

Yes. Record A columns 56–58 specify either CAD or USD (note that USD EFT batches must settle between USD-denominated accounts held at Canadian financial institutions under Payments Canada rules).

Why should B2B SaaS & wholesale platforms use CPA Code 700 instead of 450 for commercial Pre-Authorized Debits?

Tagging commercial B2B collections with CPA Code 700 (Business PAD) classifies the entry under Payments Canada Rule H1 Business PAD rules—limiting unauthorized/dispute return windows (`Code 920`) to 10 business days instead of the 90 calendar days granted to consumer Personal PADs (`Code 916`).

Canadian CPA-005 Transaction Codes (200, 450, 700), EFT Returns (900–920) & 1,464-Byte Unpacker