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Easily Create & Transmit ACH Files


ACH Universal supports the CPA Standard 005 format, which is accepted by all major Canadian banks.

 Please note:  This format differs from U.S.-based NACHA (ACH) formats.


ACH Universal™ helps you create EFT files for:

Direct deposit for employees

Collections from customers

Payments to vendors


Canadian vs U.S. processes

Unless noted otherwise, all processes are the same for the two formats.  Please follow the same instructions and videos as the NACHA format.

All major functions of ACH Universal that are used to create U.S.-based files, are also available to create Canadian0based files.  This includes:

--Excel and csv file import, and profile-based import

--QuickBooks integration

--Email notification

--Security features including encryption, web and/or SSH transmission and SQL Server support

--Automation (using the Software Integration Kit)



--The CPA005 standard is a one account standard, therefore our multiple origination account format is not applicable.

--The CPA005 does not include a checking / savings account indicator.  Therefore, you do not need to include this field.

--The CPA005 does not support EDI (ACH-CTX).

 --The routing number in Canada must appear as a 9-digit number in ACH Universal.  If the Institution is only a 3-digit number, you'll add a leading zero.



 When to use this format...

Please use the CPA-005 if:
--Your bank is a Canadian bank and

--You are originating transactions from that bank - and the other party (i.e., customer, employee, or vendor) has a Canadian bank account.


You will not use the Canadian format for cross-border transactions, such as Canada to the U.S., or U.S. to Canada

Instead, please use the NACHA (ACH) format, with an International (IAT) Standard Exchange Class.

Supported banks:

  • Royal Bank of Canada (RBC)
  • Toronto Dominion (TD)
  • HSBC
  • Scotiabank
  • Bank of Montreal (BMO)
  • and all other Canadian Banks accepting the CPA 005 1464 byte file format


For additional reference, The Canadian Payments Association Standard CPA-005 is located at:


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