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Operating Guidelines
Payments Canada
Payments Canada establishes the guidelines for exchanging electronic CAD or USD dollar payments between financial institutions in Canada.
The Canadian rules and standards issued are available in English or French at https://www.payments.ca/.
National Automated Clearing House Association (NACHA)
The National Automated Clearing House Association (NACHA) establishes the guidelines for exchanging electronic USD dollar payments between financial institutions in the United States including Cross Border payments.
The United States rules and formats are available at http://www.nacha.org.
RBC Royal Bank
RBC processes your transactions according to the Payments Canada and NACHA guidelines.
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