What are Pre-Authorised Debit (PAD) rules inside RBC Express?

Pre-Authorised Debits are governed by Payments Canada Rule H1. The originator must obtain a signed PAD agreement from the payor before the first debit, provide 10 days written notice of any amount or date change on personal PADs, and honour returns for up to 90 days on reimbursement claims for unauthorised personal PADs. Business PADs have shorter return windows. RBC Express Company Administrators retain PAD agreements for 7 years.

Does RBC Express support cross-border EFT to the United States?

Yes. RBC Express originates cross-border credits and debits to the United States in NACHA IAT (International ACH Transaction) format. IAT records include the mandatory OFAC screening data fields and the originating and receiving depository financial institution details. Settlement runs through RBC Bank (Georgia) or via correspondent relationships depending on the receiving bank. Same-day and 1-2 business day windows apply.

RBC Express EFT Payments: Payments Canada AFT Origination

RBC Express originates Payments Canada Automated Funds Transfer (AFT) batches in Standard 005 file format for payroll direct deposit, supplier credits and Pre-Authorised Debit collection. EFT inside RBC Express covers the Canadian domestic rail, NACHA IAT cross-border to the United States and Interac e-Transfer for Business for small B2B payments under $25,000.

According to Payments Canada, AFT volume exceeded 9.8 billion items in 2024. RBC Express handles a meaningful share for Canadian commercial clients, with Company Administrators configuring dual-control release, exposure limits and CPA Rule H1 agreement retention.

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RBC Express EFT payment screen showing Standard 005 AFT file upload with credit and debit record summary and CPA transaction codes

AFT Credits: Payroll, Supplier, Refund

RBC Express AFT credits fund payroll, supplier invoices, commission payments, expense reimbursements and customer refunds. File format is Payments Canada Standard 005 — 1,464-character fixed-width with A/C/D/Z records and CPA transaction codes identifying the credit type. Settlement runs twice daily across the Canadian banking system with next-business-day posting at the receiving financial institution.

Cutoff inside RBC Express: 10:00pm ET for next-business-day credit settlement. Dual-control approval, beneficiary change freeze windows and duplicate-batch detection run automatically.

AFT Debits: PAD Collection Under CPA Rule H1

Pre-Authorised Debit inside RBC Express follows Payments Canada Rule H1. Every PAD payor signs a PAD agreement; personal PADs require 10 days written notice of amount or date change and 90-day return window for reimbursement claims. RBC Express debit batches enforce CPA PAD codes and separate business from personal PAD to apply the correct return rules.

Return codes (NSF, account closed, no agreement, stop payment) flow back inside RBC Express with automated exception queues. Agreement retention runs 7 years from the last debit.

AFT Code	Description	Settlement Days	Use Case
200 (Payroll Credit)	Direct deposit payroll	Next business day	Bi-weekly and semi-monthly payroll
450 (Business PAD)	Commercial debit collection	Next business day	B2B recurring supplier collection
470 (Personal PAD)	Personal debit under Rule H1	Next business day	Subscription, utility, insurance
660 (Supplier Credit)	Accounts payable disbursement	Next business day	Vendor payments batch origination
770 (Refund Credit)	Customer refund	Next business day	Returns and billing adjustments
IAT (NACHA Cross-Border)	US ACH with OFAC data	1-2 business days	US payroll and US supplier payments

NACHA IAT for Cross-Border to US

RBC Express originates cross-border EFT to the United States in NACHA IAT (International ACH Transaction) format. IAT includes the mandatory OFAC screening data (originator name, originator address, receiver name, receiver address, originator and receiver bank identification) required for every cross-border ACH entry under US Treasury rules.

Settlement runs through RBC Bank (Georgia) as the US-based affiliate or via correspondent relationships depending on the receiving bank. Typical use: US employee payroll, US supplier payments, US tax authority remittances from Canadian parent companies. Cutoff inside RBC Express: 2:00pm ET for 1-2 business day settlement.

RBC Express NACHA IAT origination screen with OFAC data fields and US receiving bank routing number validation

RBC Express Interac e-Transfer for Business screen with recipient email notification and deposit confirmation

Interac e-Transfer for Business Under $25K

Interac e-Transfer for Business is the right rail inside RBC Express for ad-hoc B2B payments under $25,000 where AFT file origination is overkill. Typical use: one-off contractor payments, last-mile vendor payments, small-dollar refunds. Funds move via notification to the recipient's email or mobile number with direct deposit or secure question authentication.

Compared to Lynx or SWIFT wire, Interac e-Transfer for Business inside RBC Express is lower-cost, near-real-time and does not require beneficiary banking detail from the payor. Compared to AFT, it skips the batch file flow — better for low-volume one-off disbursement.

Operational Brief

File format is Payments Canada Standard 005 — 1,464-character fixed-width CPA record layout.
RBC Express accepts upload via direct interface, SFTP or host-to-host connection with automated validation.
AFT credit cutoff inside RBC Express: 10:00pm ET for next-business-day settlement.
Pre-Authorised Debit collection follows CPA Rule H1 with 90-day personal-payor return window.
NACHA IAT cross-border to US includes mandatory OFAC data fields in every record.
Interac e-Transfer for Business under $25,000 handles ad-hoc B2B payments without batch file origination.

What is Payments Canada AFT inside RBC Express?

Automated Funds Transfer is the Payments Canada batch payment rail for payroll credits, supplier credits and Pre-Authorised Debits. RBC Express originates AFT files in the CPA Standard 005 format with settlement twice daily across the Canadian banking system.

What file format does RBC Express require for EFT?

Payments Canada Standard 005 — 1,464-character fixed-width record layout with A/C/D/Z records. Files upload by SFTP, direct interface or host-to-host. See data export for the reverse flow.

What are Pre-Authorised Debit rules inside RBC Express?

CPA Rule H1 governs PADs. Personal PADs require 10 days written notice of any change and 90-day return window. Business PADs have shorter return windows. Agreements retained 7 years.

Does RBC Express support cross-border EFT to the US?

Yes. NACHA IAT format with OFAC screening data fields. Routes through RBC Bank Georgia or correspondent banks. See international payments for the full cross-border flow.

When does Interac e-Transfer for Business apply instead of AFT?

Interac e-Transfer for Business handles ad-hoc B2B under $25,000. AFT is the correct rail for recurring payroll, supplier batch and structured PAD collection. RBC Express surfaces both rails in the payment initiator.

RBC Express EFT Payments: Payments Canada AFT Origination

AFT Standard 005, PAD Rules and Cross-Border Inside RBC Express

AFT Credits: Payroll, Supplier, Refund

AFT Debits: PAD Collection Under CPA Rule H1

RBC Express EFT Transaction Code and Use Case Matrix

Cross-Border NACHA IAT and Interac e-Transfer for Business

NACHA IAT for Cross-Border to US

Interac e-Transfer for Business Under $25K

EFT Payments: Operational Brief

Operational Brief

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