Formatting Payment Files to Indicate Currency

Automated Clearing House (ACH) File Format

Canadian Payments Association (CPA) File Format

Standard (STD) File Format

Automated Clearing House (ACH) File Format

For Payments designated as IAT Standard Entry Class Codes

• If the “Destination Country” field on the Batch file header record is blank, it will default to the currency of the service. It is recommended that you include this
• If the “Destination Currency” field on the Batch file header record is blank, it will default to the currency of the service.
• If in the “Destination Currency” field on the Batch/file header record, the input is other than CAD, USD or blank, the payment will default to the currency of the service.
• All payments destined to the United States will be sent in USD. Clients sending Canadian dollars will have the funds converted to USD.

Payments designated as CCD, PPD or WEB Standard Entry Class Codes can only be sent to Canadian Banks (all transactions destined to the USA must be designated as IAT)

• If the “Destination Currency” field on the Batch file header record is blank, it will default to the currency of the service.
• If in the “Destination Currency” field on the Batch/file header record, the input is other than CAD, USD or blank, the payment will default to the currency of the service.
• The “Destination Country” field on the Entry Detail record is mandatory and must be CAD (as non-IAT payments are not allowed to be send to USA).

Canadian Payments Associatin (CPA) File Format

• There is no “Destination Country” indicator as part of the file layout. This is strictly used for payments destined to Canada.
• The “Destination Currency” field on the header of the file layout will determine if the payment is to be sent in USD or CAD to financial institutions in Canada. If that field is blank it will default to the currency of the service.
• If in the “Destination Currency” field on the header record, the input is other than CAD, USD or blank, the payment will default to the currency of the service.

RBC Standard (STD) File Format

• If the “Destination Currency” field on the Basic Payment Record is blank it will default to the currency of the service.
• If in the “Destination Currency” field, on the Basic Payment Record, the input is other than CAD, USD or blank, a ‘T’ level error will be placed on each payment.
• The “Destination Country” field on the Basic Payment record is mandatory. If the input is other than CAD, USD or blank, there is no default and the payment will be noted as a ‘T’ level error.