Merchants submitting Canadian direct debit/direct payment transactions can create these files to either include the bank account information in the file, or use a customer code to reference the bank account information stored in a Secure Payment Profile at Bambora.
When including the bank account information in the file, you must enter eight pieces of information in each line of the file. Do not include the customer code. If you are using a text based program (Notepad), follow each piece of transaction data with a comma.
Merchants submitting Canadian transactions using customer codes or secure payment profiles, must enter six pieces of information in each line of the file. Leave commas in lieu of transit number, account number, and account code. For spreadsheet files, include blank spaces. For text based programs (Notepad), follow each piece of transaction data with a comma.
This file format is used to transfer funds between two bank accounts within Canada. The currency of these transactions can be either Canadian or US. The currency used is determined by the currency of your member account that you are uploading your file to. This file format cannot be used to transfer funds outside of Canada.
- All banking information and customer codes are mandatory.
- Do not mix customer codes and banking information, otherwise transactions with banking information will not be processed.
- Customer profile must be in active status.
- When you are finished, save your file again in .csv format.
Line item entry
|E||Designates the type of batch file. E stands for electronic bank payment.|
|C or D||Indicates the type of bank payment being processed.
C – Credit a recipient bank account.
D – Debit an outside bank account and deposit the funds into your own account.
|3 digit financial institution number||Enter the Financial Institution number from the cheque. See image below for details.|
|5 digit bank transit number||Enter the bank Transit Number from the cheque. See image below for details.|
|5-12 digit account number||Enter the bank Account Number from the recipient’s void cheque.|
|Transaction amount in pennies||Enter the total transaction amount in pennies. Do not include a decimal point. e.g. for $45.99 enter 4599|
|Optional reference number||You can create an internal reference number of up to 19 digits. If you do not want a reference number, enter 0 (zero).|
|Recipient Name||Full name of the person you are paying.|
|Customer Code||The 32-character customer code located in the payment profile. Do not populate bank account fields in the file when processing against a customer code.|
|Dynamic Descriptor||By default the Bambora merchant company name will show on your customer's bank statement. You can override this default by populating the Dynamic Descriptor field.|
Typical Canadian Cheque Format
Carefully review all bank account information. Files with incorrect transit or account numbers are rejected. Do not enter the cheque number anywhere in the file as this causes the transaction to be rejected.