Multi-Country Global Payroll Bank File Router: NACHA + SEPA XML + UK BACS + AU ABA + Canada CPA-005
Built for multi-entity CFOs, remote-first finance teams, EOR platforms, and international payroll bureaus exporting from Workday, BambooHR, HiBob, Personio, Deel, or NetSuite. Route global employee CSV batches directly into native domestic commercial bank clearing files across 45+ countries—without $2,500/mo treasury middleware or FX payout markups.
5 Live Domestic Bank Clearing Engines (Zero Monthly Subscription)
Every country's commercial banking rail uses an incompatible physical record structure and check-digit math. All 5 FinOps Studio payroll engines are live on Apify Store and ranked #1 on the Official MCP Registry:
| Jurisdiction | Domestic Clearing Standard | Physical Line Spec & Checksums | Major Commercial Portals | Live Cloud API |
|---|---|---|---|---|
| 🇺🇸 United States | NACHA ACH (PPD Payroll / CCD Contractor) |
Exact 94 chars/line, Block-10 9999... padding, 10-pt ABA MOD-10 routing hash |
Chase Access, BofA CashPro, Wells Fargo CEO, SVB, CitiDirect | nacha-ach-file-generator → |
| 🇪🇺 Europe (40+ SEPA) | ISO 20022 pain.001.001.09 (SALA Category) |
UTF-8 XML, ISO 13616 MOD-97 IBAN check, Nov 2026 EPC Structured Addresses, integer-cent CtrlSum |
Deutsche Bank, BNP Paribas, ING, Rabobank, Santander, UniCredit, UBS | sepa-xml-generator → |
| 🇬🇧 United Kingdom | BACS Standard 18 Direct Credit (Code 99) |
Exact 100 chars/line, VOL1/HDR1/UHL1/CONTRA/UTL1, bYYDDD Julian date |
Barclays.net, HSBCnet, Lloyds Commercial, NatWest Bankline | uk-bacs-standard18-generator → |
| 🇦🇺 Australia | ABA Cemtex (AusPayNet BECS Code 53 Pay) |
Exact 120 chars/line, Record 0 / 1 / 7 net-total, optional self-balancing debit row (Code 13) |
CBA CommBiz, NAB Connect, Westpac Live, ANZ Transactive, Macquarie | aba-cemtex-file-generator → |
| 🇨🇦 Canada | Payments Canada CPA-005 (Code 200 Payroll) |
Exact 1,464 chars/line (24 + 6×240 packed segments), 0YYYXXXXX routing, 0YYDDD Julian date |
RBC Express, TD Web Business, BMO, ScotiaConnect, CIBC CMO, Desjardins | canada-cpa005-eft-generator → |
Estimate Your Monthly Multi-Country Payroll File Cost
Adjust your headcount per region and payroll frequency below to compare pay-per-use API generation against legacy multi-country bank middleware ($1,800/mo):
Import 1-Click 5-Country n8n Payroll Router
Our downloadable n8n JSON template connects a scheduled HRIS trigger to a 5-branch country switch (US_NACHA, EU_SEPA, GB_BACS, AU_ABA, CA_CPA005), pre-configured with verified HTTP POST schemas for all 5 live Apify Store Actors:
[Bi-Weekly Payroll Trigger / Webhook]
│
[Switch: $json.countryGroup]
├── "US" ──► POST finops_studio~nacha-ach-file-generator (94-char .ach)
├── "EU" ──► POST finops_studio~sepa-xml-generator (pain.001.001.09 .xml)
├── "GB" ──► POST finops_studio~uk-bacs-standard18-generator (100-char .txt)
├── "AU" ──► POST finops_studio~aba-cemtex-file-generator (120-char .aba)
└── "CA" ──► POST finops_studio~canada-cpa005-eft-generator (1464-char .eft)
Unified 5-Country Payroll MCP Configuration
Equip AI finance ops agents with all 5 live payroll file generators in a single zero-hallucination MCP server block:
{
"mcpServers": {
"finops-global-payroll": {
"url": "https://mcp.apify.com/?actors=finops_studio/nacha-ach-file-generator,finops_studio/sepa-xml-generator,finops_studio/uk-bacs-standard18-generator,finops_studio/aba-cemtex-file-generator,finops_studio/canada-cpa005-eft-generator",
"headers": {
"Authorization": "Bearer YOUR_APIFY_API_TOKEN"
}
}
}
}