Input File Formats

RBC Standard (STD) File Format & Specifications

CPA005 File Format & Specifications

RBC – ACH File Format & Specifications

Layouts

STD Debit File Layout

STD Credit File Layout

CPA005 Debit File Layout

CPA005 Credit File Layout

ACH Debit File Layout

ACH Credit File Layout

Client Type

• Business Clients
• Bank Clients who only process payments in Canada

• Business Clients
• Bank Clients who only process payments in Canada

• Business Clients
• Bank Clients

Usage

• Electronic CAD or USD payments destined to Canadian Banks
• Electronic USD payments destined to USA Banks
• Canadian $$ Payments destined to USD Accounts will be converted at the customer level

• Exchange electronic CAD or USD payment details with other Canadian Banks

• Electronic CAD or USD payments destined to Canadian Banks
• Electronic USD payments to USA Banks
• Banks who are processing on behalf of multiple originators
• Pre-notification on payments to USA Banks
• Canadian $$ Payments destined to USD Accounts will be converted at the customer level

Notes

• A mixture of electronic payments destined to Canada & United States can be part of the same file
• Payments processed on behalf of other banks/FI’s must use RBC ACH File Format for processing payments to the USA
• Debits & Credits cannot be processed within the same file

• USD payments and CAD payments can not be part of the same file
• This format can not be used for payments destined to the United States
• Debits & Credits cannot be processed within the same file

• A mixture of electronic payments destined to Canada & United States can be part of the same file
• All payments in a single batch must be for the same currency
• Debits & Credits cannot be processed within the same file