FSFinOps Studio
🇨🇦 Live on Apify Store & Official MCP Registry • $0/Month Subscription

Convert CSV, Excel & QuickBooks Canada Exports into 1,464-Byte CPA-005 EFT Files

Replace CAD $600–$1,800/year Windows EFT software. Generate strict Payments Canada Standard 005 files (A Header, 6-per-line packed C Direct Deposit & D PAD records, Z Trailer) for RBC Express, TD Commercial, BMO, ScotiaConnect, CIBC CMO, National Bank, and Desjardins.

Run Canadian CPA-005 Generator ($0.02/row) → CPA Codes & 1,464-Byte Unpacker Convert XXXXX-YYY ↔ 0YYYXXXXX Free

Major Canadian Bank Institution IDs & 5-Digit Data Centre Codes

Canadian Financial Institution 3-Digit Institution 9-Digit Routing Format Typical Data Centre
Royal Bank of Canada (RBC Express) 003 0003XXXXX 00300 (or regional 003xx)
TD Canada Trust (Web Business Banking) 004 0004XXXXX 00400 / 00420
Bank of Montreal (BMO Online for Business) 001 0001XXXXX 00100
Scotiabank (ScotiaConnect) 002 0002XXXXX 00200
CIBC / National Bank / Desjardins 010 / 006 / 815 0010... / 0006... / 0815... 01000 / 00600 / 81500
REST API / Python / n8n / Make.com

Generate 1,464-Byte CPA-005 File via HTTP POST

Automatically packs 6 segments per 1,464-char line, converts dates to 0YYDDD Julian format, and reconciles Record Z cent totals:

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"
      }
    ]
  }'
Official MCP Registry (#1 Ranked)

Connect Canadian CPA-005 to Claude & Cursor

Published in registry.modelcontextprotocol.io as io.github.Geornaden/canada-cpa005-eft-payroll-mcp so AI agents never misalign a 240-byte CPA segment:

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

Built for Canadian CPA Firms, Bookkeepers, Payroll Teams & SaaS Platforms

Process unlimited Canadian client Originator IDs for $0/month subscription and $0.02 per payee segment.

Open Canadian CPA-005 API on Apify → CPA Firm & Payroll ROI Calculator Full 1464-Byte Record Spec