EFT File Validator Canada | CPA005 Validation - Bank-Statement-Conversion
Bank payment file generator

EFT File Validator Canada | CPA005 Validation

Validate Canadian EFT CPA005 source rows, records, totals, dates, and originator fields.

Generated payment file
Upload an existing ACH, CPA005, SEPA XML, BACS, ABA, or NZ payment file.
Structure checks
Check record lengths, XML safety, line endings, empty files, and common format rules.
Free validation
No credits, conversion history, pricing modal, or download token is created.
Structure validationMasked bank detailsACH/TXT/XML/EFT/DAT/BACS/ABA/CSV input
Canadian EFT / CPA005 · Structure validation

Upload bank payment file

Upload an existing ACH, CPA005, SEPA XML, BACS, ABA, or New Zealand payment file to check its structure for free.

Validation
Free
Output
Canadian EFT / CPA005
Upload bank payment fileSupported for Canadian EFT / CPA005: .txt, .eft, .dat
ACH TXT XML EFT DAT BACS ABA CSV
Validation checks file structure only. Your bank may still require profile-specific settings.
Free uploaded-file validation

Check bank payment files before upload

Upload an already-generated payment file, choose the format, and get structural validation results without using credits.

Masked previewNo credits usedNo download token
1

Upload a payment spreadsheet

Start with a CSV or Excel file containing payee names, payment amounts, dates, references, and bank account details.

2

Map fields and validate

Confirm originator details, map recipient columns, and let the generator check account identifiers, dates, totals, and required fields.

3

Download for bank review

Generate a standard-format payment file and review it with your bank before sending live payroll, vendor, rent, or payout batches.

Canadian EFT / CPA005

Canadian EFT and CPA005 payment file generation

Convert payment spreadsheets into Canadian EFT CPA005 files with credit and debit record support. Validation covers institution numbers, transit numbers, account fields, file creation numbers, record lengths, counts, and totals.

Accepted uploaded-file extensions
.txt.eft.dat
Bank-readiness checks

Validation before download

Before bank upload
1464-character CPA005 records
A, C, D, and Z record structure
Canadian institution and transit fields
Credit and debit totals
File creation number checks
Debit mandate confirmation

Validation before download

We check source rows and generated files for required columns, identifiers, dates, totals, record lengths, and common structural issues before creating the download.

Qualified bank-ready output

Nacha, Payments Canada, EPC/SEPA, Bacs/Pay.UK, QuickBooks, and bank names are trademarks of their owners. This tool is not affiliated with those organizations. Always confirm file requirements with your bank.

Run a test file first

For first-time setups, submit a small test file to your bank or confirm the generated layout with your bank implementation team before sending production payments.

Common questions

Payment file generator FAQ

Can I generate Canadian EFT CPA005 files from Excel?

Yes. Upload CSV, XLS, or XLSX rows and map Canadian institution, transit, account, amount, date, and recipient fields.

Are CPA005 debit files supported?

CPA005 credit and debit record types are supported. Debit files require confirmation that the required PAD authorizations or mandates are held.

Why does file creation number matter?

Canadian EFT banks may reject duplicate or out-of-sequence file creation numbers, so originator profiles should keep that value current.

Related payment file tools

Bank Payment File ValidatorFree validator for generated payment filesNACHA / ACHUS ACH payment filesCanadian EFT / CPA005Canadian EFT filesSEPA pain.001 XMLEurope pain.001 XMLUK BACSUK payment filesAustralia ABAAustralia Direct EntryNew Zealand payment fileNZ bank templates