Site Map

 Homepage

 Payments

• Payment Groups
  • Creating a Payment Group Using RBC Express
• Payment Records
  • Information Needed to Process an ACH Direct Payment or Direct Deposit
  • Getting Permission to Debit or Credit a Customer’s Account
  • Sample Debit & Credit Authorization Agreement (U.S. Banks)
  • What Appears on You Customer’s Bank Statement
    • Codes Used on Canadian ACH Direct Payments (Pre-Authorized Debits – PAD)
    • Codes Used on American ACH Direct Payments & Deposits Transactions
  • When Should I Send a Pre-notification?
  • How to Process Sporadic and Set Intervals PADs
  • Creating and Modifying Payment Records with RBC Express
• Payment Files
  • Testing Files on RBC Express & Data Transmission
  • How Do I Know if My File was Successfully Processed?
  • Fixing Payment File Errors
  • Transmitting Payment Files via Data Transmission
  • Standard Connectivity Options
  • Input Deadlines for ACH Direct Payments & Deposits
  • Receiving a Confirmation Report
  • How Deadlines Affect Past Due Transactions
  • Special Considerations for Payments Destined to United States
  • How Submission Deadlines are Determined
  • Sending a Pre-notification
  • Creating a Payment File Using RBC Express
• Managing Payments
  • Changing or Deleting More Than One Payment at a Time
  • Tracing Payments
  • Returned Items
  • Represented Items for ACH Direct Payments
  • What is an Error?
    • Do I Need to Correct an Error?
    • Correcting an Error with RBC Express ACH Payment Manager
  • Changing a Payment Already Submitted in a File
  • Cancelling a Payment After it has Been Processed
  • Formatting Payment Files to Indicate Currency
  • Managing Payments with RBC Express
• Funding
  • Reconcilliation on Prefunded Transactions
  • How Making Single Payment Changes Affects Your Daily Limit
  • Processing Transactions with Daily Limits
  • Notification of In Excess Payments
  • Prefunding Transactions for ACH Direct Deposits
    • Prefunding Conditions that will Block Your Transactions
    • Prefunding Notifications and Reports
  • Validation for Prefunded Deposits via RBC Express ACH Payment Manager

  Reports & Data Files

• Reviewing Your Daily Activity
• Accessing Reports & Data Files
• Balancing Reports
• Report Types
  • Client Settlement Totals (ACH Direct Deposits Prefunding Clients Only)
  • Client Value Date Totals Report
  • Daily Limit - Payment Details Report (ACH Direct Deposits Only)
  • File Error Report
  • File Input Payment Confirmation Report
  • Foreign Equivalent Report
  • Input Verification and Edit Report
  • Mass Request Report
  • Notice of Payment Information Change
  • Notification of Change/Pre-Note Response Report- FOR USA-FI
  • Payment Selection Error Report
  • Payments Activity Report
  • Recap of Payments in Error (Produced only if Retain Error Selected)
  • Returned Items Report
  • Warnings Report
  • Annual File Schedule Report
  • Optional Information Report
  • Payments Register
  • Pending Representment Register (ACH Direct Payment Service only)
  • Unit Reference File Listing (Financial Institution Listing)
• Data Files
  • Data File Types
  • Data File – Notice of Payment Information Changes (NOC)

  RBC Express ACH

• Security
• Tokens
• RBC Express ACH FAQs

  Service Standards

• Rules of Operation
• Operating Guidelines
• Bank Processing
• Subsidiary Designations
• File & Transaction Limits
• Currency Conversion - Making and Collecting Payments in Canadian and U.S. Currencies
  • How Exchange Rates are Calculated
    • Summary of Currency Conversion Scenarios (pdf)
  • Making Payments in USD and CAD Funds – ACH Direct Deposits Service
  • Collecting Payments in USD and CDN Funds – ACH Direct Payments Service
• Screening Regulations – Screening Payments Going to the United States and Canada
  • Screening Schedule of Foreign Currency Payments
  • Screening for ACH Direct Deposits Clients Set Up as Daily Limit or Prefunding

  Reference

• Glossary
• Bank Holiday Schedule
• Input File Formats
  • STD Debit File Layout (pdf)
  • STD Credit File Layout (pdf)
  • CPA005 Debit File Layout (pdf)
  • CPA005 Credit File Layout (pdf)
  • ACH Debit File Layout (pdf)
  • ACH Credit File Layout (pdf)
• Data File Formats and Specifications
  • Data File Layout (pdf)
  • NOC Data File Layout (pdf)
• Payment Transaction Codes
  • Non-Restricted Consumer Pre-Authorized Transaction Codes (pdf)
  • Restricted Consumer Pre-Authorized Transaction Codes (pdf)
  • Business Pre-Authorized Transaction Codes (pdf)
  • CPA Returned/Dishonoured Items Reason Code (pdf)
  • Standard (STD) Codes for Payments to the U.S. (pdf)
  • ACH Format Codes for Payments to the U.S. (pdf)
  • ACH Returned Codes for Payments from the U.S. (pdf)
  • Notification of Change Codes for Payments to the U.S. (pdf)
• Error Messages
  • Error Message Sorted by Numeric Codes
  • Error Message Sorted by Alphabetical Order
• Report Descriptions
• FAQs