Canada EFT - CPA Standard 005 File Generator
Generate Canadian CPA-005 (1464-byte) EFT payment files for direct bank upload - vendor disbursement and payroll deposits, plus pre-authorized debit collections. No gateway, no per-transaction fees, no third party.
A real CPA-005 file your bank accepts on the first upload
This module builds the exact fixed-position record layout defined by Payments Canada (Canadian Payments Association) Standard 005 for Automated Funds Transfer files: a 1464-character File Header (Logical Record A), Credit (C) and Debit (D) transaction records packed six transactions per line, and a File Trailer (Z) carrying the independent control totals the receiving institution re-derives. Configure your originator settings once, build a batch, and download a ready-to-upload EFT file. Nothing is transmitted anywhere - you upload it through your own bank's cash-management portal.
Credit deposits
- Payroll deposits (codes 200-207: regular, special, vacation, overtime, bonus...)
- Vendor disbursement / Accounts Payable (code 460)
- Pensions, annuities, dividends, investment and interest payouts
- Miscellaneous and expense payments
Pre-authorized debits
- Bill payments and utility collections (codes 430-438)
- Rent and lease collections (codes 400-405)
- Insurance, loans and mortgage collections
- Fees, dues and donations
Correct 1464-byte layout
Every logical record is exactly 1464 characters, with numeric fields zero-padded and alphanumeric fields space-padded, transaction segments packed six per line, and the file trailer holding the total value and count of credit and debit transactions.
Institution & transit validation
The 9-digit Institutional Identification Number is composed from the 3-digit institution number and 5-digit transit, structurally validated on every bank account, entry and on your own settlement (return) coordinates.
Julian dates & control totals
File creation and funds-available dates are written in the CPA Julian
0YYDDD format, and the Z trailer control totals are computed
exactly as the receiving institution re-derives them.
Feature summary
| Capability | Detail |
|---|---|
| Record types | A (file header), C (credit/deposit), D (debit/pre-authorized), Z (trailer) |
| Transaction codes | Curated subset of published CPA Standard 007 purpose codes (payroll, AP, pension, dividend, bill payment, rent, insurance, loans, mortgage, donations...) |
| Currencies | CAD and USD file headers |
| Build from vendor bills | One-click wizard turns selected posted vendor bills into a ready EFT batch, grouping amounts due per payee from their bank account |
| Originator settings | Originator ID, short/long name, user ID, destination data centre, currency and return (settlement) coordinates - all configurable per company |
| Workflow | Draft → Generated → Sent, with in-app file preview, downloadable file and a full chatter audit trail |
| Character handling | French accents transliterated to flat ASCII (É → E), non-printable characters stripped, so the file always passes character validation |
Bank-upload boundary (BYOK)
This module only builds the CPA-005 text file for you to upload to your own financial institution. It is not a payment gateway and transmits nothing to any external service - your originator ID, account numbers and payment data never leave your Odoo database. You remain the registered originator with your bank.
Compatible with Odoo 18 and Odoo 19. Community-only dependencies (Accounting base). No Enterprise modules required.
Screenshots
Eft Batches
Build From Bills
Update date: 2026-07-02