# Payments Canada

> Payments Canada owns and operates the infrastructure that clears and settles payments for Canada's financial institutions.

Payments Canada publishes original research, statistics and rules governing how payments move between financial institutions in Canada. The sections below are generated from the site's published content and kept current automatically.

## Rule
- [Access](https://www.payments.ca/rule/access.md)
- [Arbitration](https://www.payments.ca/rule/arbitration.md)
- [Automated clearing settlement system rules, standards and by-laws](https://www.payments.ca/rule/automated-clearing-settlement-system-rules-standards-and-laws.md)
- [Bulk Exchange and Settlement of U.S. Dollar Items​](https://www.payments.ca/rule/bulk-exchange-and-settlement-us-dollar-items.md)
- [CACPA code straight-through processing (STP) formatting](https://www.payments.ca/rule/cacpa-code-straight-through-processing-stp-formatting.md)
- [Canada Revenue Agency Acceptance of Payments Goods And Services Tax/Harmonized Sales Tax (Gst/Hst), Excise, Taxation, and Customs Programs](https://www.payments.ca/rule/canada-revenue-agency-acceptance-payments-goods-and-services-taxharmonized-sales-tax-gsthst.md)
- [Claim Drafts or Reimbursement Drafts](https://www.payments.ca/rule/claim-drafts-or-reimbursement-drafts.md)
- [Claims and compensation](https://www.payments.ca/rule/claims-and-compensation.md)
- [Clearing Agent Requirements](https://www.payments.ca/rule/clearing-agent-requirements.md)
- [Clearing Replacement Document Design Standard](https://www.payments.ca/rule/clearing-replacement-document-design-standard.md)
- [Clearing, Settlement, Funding and Defunding](https://www.payments.ca/rule/clearing-settlement-funding-and-defunding.md)
- [Collateral​](https://www.payments.ca/rule/collateral.md)
- [Commencement](https://www.payments.ca/rule/commencement.md)
- [Companion Document to the ANSI X9.100-187-2008, "Specifications for Electronic Exchange of Check and Image Data - Domestic"](https://www.payments.ca/rule/companion-document-ansi-x9100-187-2008-specifications-electronic-exchange-check-and-image-data.md)
- [Compliance](https://www.payments.ca/rule/compliance.md)
- [Connection Service Providers, Third-Party Exchanges and Competitive Services](https://www.payments.ca/rule/connection-service-providers-third-party-exchanges-and-competitive-services.md)
- [Correction of Electronic Bill Payment Errors](https://www.payments.ca/rule/correction-electronic-bill-payment-errors.md)
- [Credits to Accounts of Deceased Customers](https://www.payments.ca/rule/credits-accounts-deceased-customers.md)
- [Cross-border Arrangements](https://www.payments.ca/rule/cross-border-arrangements.md)
- [Cross-border Arrangements](https://www.payments.ca/rule/cross-border-arrangements-0.md)
- [Cross-Border Arrangements](https://www.payments.ca/rule/cross-border-arrangements-1.md)
- [Deduction of charges for the receipt of Lynx payments](https://www.payments.ca/rule/deduction-charges-receipt-lynx-payments.md)
- [Direct Clearer / Group Clearer Requirements](https://www.payments.ca/rule/direct-clearer-group-clearer-requirements.md)
- [Direct Payment Routing Numbers](https://www.payments.ca/rule/direct-payment-routing-numbers.md)
- [Emergencies](https://www.payments.ca/rule/emergencies.md)
- [End of payments processing cycle](https://www.payments.ca/rule/end-payments-processing-cycle.md)
- [Endorsement and Identification of Paper Items](https://www.payments.ca/rule/endorsement-and-identification-paper-items.md)
- [Exchange for the Purpose of Clearing and Settlement of Electronic On-line Payment Items](https://www.payments.ca/rule/exchange-purpose-clearing-and-settlement-electronic-line-payment-items.md)
- [Exchange of PIN-less Point-of-Service Debit Payment Items for the Purpose of Clearing and Settlement](https://www.payments.ca/rule/exchange-pin-less-point-service-debit-payment-items-purpose-clearing-and-settlement.md)
- [Exchange of Point-of-Service Delayed Authorization Debit Payment Items for the Purpose of Clearing and Settlement](https://www.payments.ca/rule/exchange-point-service-delayed-authorization-debit-payment-items-purpose-clearing-and.md)
- [Finality and return](https://www.payments.ca/rule/finality-and-return.md)
- [Financial Institutions File (FIF)](https://www.payments.ca/rule/financial-institutions-file-fif.md)
- [Force Majeure Situations](https://www.payments.ca/rule/force-majeure-situations.md)
- [Formation, Membership and Management of Regional Clearing Associations](https://www.payments.ca/rule/formation-membership-and-management-regional-clearing-associations.md)
- [Fraud Management](https://www.payments.ca/rule/fraud-management.md)
- [Funds Availability Exceptions and Returns](https://www.payments.ca/rule/funds-availability-exceptions-and-returns.md)
- [General](https://www.payments.ca/rule/general.md)
- [General](https://www.payments.ca/rule/general-0.md)
- [General Rules Pertaining to Government of Canada Paper Instruments](https://www.payments.ca/rule/general-rules-pertaining-government-canada-paper-instruments.md)
- [General Rules Pertaining to Items Acceptable for Clearing](https://www.payments.ca/rule/general-rules-pertaining-items-acceptable-clearing.md)
- [High-value payments - Lynx system rules, procedures and by-laws](https://www.payments.ca/rule/high-value-payments-lynx-system-rules-procedures-and-laws.md)
- [Image Rule](https://www.payments.ca/rule/image-rule.md)
- [Indirect Clearer Requirements](https://www.payments.ca/rule/indirect-clearer-requirements.md)
- [Institution Numbers and Clearing Agency/Representative Arrangements](https://www.payments.ca/rule/institution-numbers-and-clearing-agencyrepresentative-arrangements.md)
- [Institution numbers and clearing arrangements](https://www.payments.ca/rule/institution-numbers-and-clearing-arrangements.md)
- [Intermember Cheque Exchanges](https://www.payments.ca/rule/intermember-cheque-exchanges.md)
- [Intermember Domestic Interest Claims/Compensation](https://www.payments.ca/rule/intermember-domestic-interest-claimscompensation.md)
- [Intermember Exchange and Clearing at Regional Exchange Points​​​](https://www.payments.ca/rule/intermember-exchange-and-clearing-regional-exchange-points.md)
- [Intermember US Dollar Interest Claims](https://www.payments.ca/rule/intermember-us-dollar-interest-claims.md)
- [Interpretation](https://www.payments.ca/rule/interpretation.md)
- [Interpretation](https://www.payments.ca/rule/interpretation-0.md)
- [Introduction](https://www.payments.ca/rule/introduction.md)
- [Items in Dispute](https://www.payments.ca/rule/items-dispute.md)
- [Lynx](https://www.payments.ca/rule/lynx.md)
- [Lynx emergency procedures](https://www.payments.ca/rule/lynx-emergency-procedures.md)
- [Lynx MT payment message types and formats](https://www.payments.ca/rule/lynx-mt-payment-message-types-and-formats.md)
- [Lynx MX payment message types and formats](https://www.payments.ca/rule/lynx-mx-payment-message-types-and-formats.md)
- [Lynx system parameters](https://www.payments.ca/rule/lynx-system-parameters.md)
- [Lynx throughput target](https://www.payments.ca/rule/lynx-throughput-target.md)
- [Management of settlement mechanisms](https://www.payments.ca/rule/management-settlement-mechanisms.md)
- [Manual Balancing and Settlement](https://www.payments.ca/rule/manual-balancing-and-settlement.md)
- [Manual Preparation and Use in a Manual Balancing Situation of the Government Items Clearing Logs](https://www.payments.ca/rule/manual-preparation-and-use-manual-balancing-situation-government-items-clearing-logs.md)
- [Manual Preparation of Clearing Logs](https://www.payments.ca/rule/manual-preparation-clearing-logs.md)
- [Misdirected Lynx payments](https://www.payments.ca/rule/misdirected-lynx-payments.md)
- [Participant Access](https://www.payments.ca/rule/participant-access.md)
- [Participant and System Incidents](https://www.payments.ca/rule/participant-and-system-incidents.md)
- [Payment Item Information Security Standard](https://www.payments.ca/rule/payment-item-information-security-standard.md)
- [Payment Items & ACSS By-law](https://www.payments.ca/rule/payment-items-acss-law.md)
- [Payment transmission](https://www.payments.ca/rule/payment-transmission.md)
- [Point of contact](https://www.payments.ca/rule/point-contact.md)
- [Points of Contact](https://www.payments.ca/rule/points-contact.md)
- [Pre-Authorized Debits](https://www.payments.ca/rule/pre-authorized-debits.md)
- [Procedures for claims and compensation for US dollar and foreign currency transfers within Canada](https://www.payments.ca/rule/procedures-claims-and-compensation-us-dollar-and-foreign-currency-transfers-within-canada.md)
- [Procedures for foreign currency transfers within Canada](https://www.payments.ca/rule/procedures-foreign-currency-transfers-within-canada.md)
- [Procedures for Joint Air/Ground Courier Arrangements](https://www.payments.ca/rule/procedures-joint-airground-courier-arrangements.md)
- [Procedures for Public Works and Government Services Canada (PWGSC) Direct Deposit Payment Items](https://www.payments.ca/rule/procedures-public-works-and-government-services-canada-pwgsc-direct-deposit-payment-items.md)
- [Procedures Pertaining to the Default of a Direct Clearer](https://www.payments.ca/rule/procedures-pertaining-default-direct-clearer.md)
- [Procedures Pertaining to the Default of an Indirect Clearer](https://www.payments.ca/rule/procedures-pertaining-default-indirect-clearer.md)
- [Procedures/Criteria Pertaining to the Encashment of Government of Canada Payment Items for Non-Customers](https://www.payments.ca/rule/procedurescriteria-pertaining-encashment-government-canada-payment-items-non-customers.md)
- [Prohibition of Tele-Cheques in the Clearing and Settlement System](https://www.payments.ca/rule/prohibition-tele-cheques-clearing-and-settlement-system.md)
- [Real-Time Rail (RTR) payment system rules and by-laws](https://www.payments.ca/rule/real-time-rail-rtr-payment-system-rules-and-laws.md)
- [Redemption, Exchange and Settlement of Canadian Dollar Bonds, Debentures and Coupons](https://www.payments.ca/rule/redemption-exchange-and-settlement-canadian-dollar-bonds-debentures-and-coupons.md)
- [Regional Exchange Points - Composition and Representation](https://www.payments.ca/rule/regional-exchange-points-composition-and-representation.md)
- [Remittance information](https://www.payments.ca/rule/remittance-information.md)
- [Remittance Information](https://www.payments.ca/rule/remittance-information-0.md)
- [Return Replacement Document Design Standard](https://www.payments.ca/rule/return-replacement-document-design-standard.md)
- [Returned and Redirected Items](https://www.payments.ca/rule/returned-and-redirected-items.md)
- [RTR](https://www.payments.ca/rule/rtr.md)
- [RTR Exchange](https://www.payments.ca/rule/rtr-exchange.md)
- [RTR Financial Institution Number Lookup Database](https://www.payments.ca/rule/rtr-financial-institution-number-lookup-database.md)
- [Rules applicable to Automated Funds Transfer (AFT) Transactions](https://www.payments.ca/rule/rules-applicable-automated-funds-transfer-aft-transactions.md)
- [Rules applicable to Automated Funds Transfer (AFT) Transactions using ISO 20022 messages](https://www.payments.ca/rule/rules-applicable-automated-funds-transfer-aft-transactions-using-iso-20022-messages.md)
- [Rules Applicable to Electronic Data Interchange (EDI) Transactions](https://www.payments.ca/rule/rules-applicable-electronic-data-interchange-edi-transactions.md)
- [Rules Pertaining to the Inter Financial Institution Exchange of Bill Payment Remittances for the Purpose of Clearing and Settlement](https://www.payments.ca/rule/rules-pertaining-inter-financial-institution-exchange-bill-payment-remittances-purpose.md)
- [Rules Pertaining to the Redemption and Settlement of Government of Canada Paper Instruments](https://www.payments.ca/rule/rules-pertaining-redemption-and-settlement-government-canada-paper-instruments.md)
- [Settlement exchange transaction (SET)](https://www.payments.ca/rule/settlement-exchange-transaction-set.md)
- [Settlement queues and conditional release mechanism](https://www.payments.ca/rule/settlement-queues-and-conditional-release-mechanism.md)
- [Settlement-Only Direct Settlement Participant](https://www.payments.ca/rule/settlement-only-direct-settlement-participant.md)
- [Shared Electronic Point-of-Service Payment Items](https://www.payments.ca/rule/shared-electronic-point-service-payment-items.md)
- [Specifications for MICR-Encoded Payment Items](https://www.payments.ca/rule/specifications-micr-encoded-payment-items.md)
- [Standards and Guidelines for the Standard Intermember Control Document](https://www.payments.ca/rule/standards-and-guidelines-standard-intermember-control-document.md)
- [Standards for the Exchange of Financial Data on AFT Files](https://www.payments.ca/rule/standards-exchange-financial-data-aft-files.md)
- [Standards for the use of transaction codes and return reason codes in AFT files](https://www.payments.ca/rule/standards-use-transaction-codes-and-return-reason-codes-aft-files.md)
- [Suspension, revocation and reinstatement](https://www.payments.ca/rule/suspension-revocation-and-reinstatement.md)
- [Suspension, Revocation, Withdrawal and Reinstatement](https://www.payments.ca/rule/suspension-revocation-withdrawal-and-reinstatement.md)
- [Technical Requirements Applicable to Electronic Data Interchange](https://www.payments.ca/rule/technical-requirements-applicable-electronic-data-interchange.md)
- [Testing and certification](https://www.payments.ca/rule/testing-and-certification.md)
- [Tracing, Clearing Errors and Use of Photocopies](https://www.payments.ca/rule/tracing-clearing-errors-and-use-photocopies.md)
- [U.S. Bulk Exchange Automated System](https://www.payments.ca/rule/us-bulk-exchange-automated-system.md)
- [U.S. Bulk Exchange System - Manual Balancing and Settlement](https://www.payments.ca/rule/us-bulk-exchange-system-manual-balancing-and-settlement.md)
- [U.S. Dollar Automated Funds Transfer System](https://www.payments.ca/rule/us-dollar-automated-funds-transfer-system.md)
- [Uniform treatment of wire payments](https://www.payments.ca/rule/uniform-treatment-wire-payments.md)
- [Verification and Collection Procedures for Receiver General Warrants](https://www.payments.ca/rule/verification-and-collection-procedures-receiver-general-warrants.md)

## Article
- [ Shawn Van Raay joins Payments Canada’s executive team](https://www.payments.ca/shawn-van-raay-joins-payments-canadas-executive-team.md)
- [“The Business of Payments” April program cancelled](https://www.payments.ca/business-payments-april-program-cancelled.md)
- [19 reasons why mobile phones will dominate payments](https://www.payments.ca/19-reasons-why-mobile-phones-will-dominate-payments.md)
- [2019 federal budget includes measures to improve the Canadian payment system](https://www.payments.ca/2019-federal-budget-includes-measures-improve-canadian-payment-system.md)
- [2020 annual report is available now](https://www.payments.ca/2020-annual-report-available-now.md)
- [2023 Fall Economic Statement reflects payment industry priorities](https://www.payments.ca/2023-fall-economic-statement-reflects-payment-industry-priorities.md)
- [2024 Annual Report now available](https://www.payments.ca/2024-annual-report-now-available.md)
- [2025 Annual Report now available](https://www.payments.ca/2025-annual-report-now-available.md)
- [2025 Federal Budget reflects the importance of modern payments](https://www.payments.ca/2025-federal-budget-reflects-importance-modern-payments.md)
- [43% of Canadian small businesses report sales are down - but are optimistic about outlook; 29% plan to increase employees; 27% plan to reinvest; 18% plan to expand into new markets](https://www.payments.ca/43-canadian-small-businesses-report-sales-are-down-are-optimistic-about-outlook-29-plan-increase.md)
- [A decade of data-driven insights: Inside Worldpay’s Global Payments Report](https://www.payments.ca/decade-data-driven-insights-inside-worldpays-global-payments-report.md)
- [A look back at the Large Value Transfer System (LVTS)](https://www.payments.ca/look-back-large-value-transfer-system-lvts.md)
- [A spotlight on payments innovation with Visa Canada](https://www.payments.ca/spotlight-payments-innovation-visa-canada.md)
- [A spotlight on small business payments](https://www.payments.ca/spotlight-small-business-payments.md)
- [Achieving secure and seamless online payment experiences through network tokenization](https://www.payments.ca/achieving-secure-and-seamless-online-payment-experiences-through-network-tokenization.md)
- [ACI Worldwide on reaping the benefits of payments Modernization to better serve corporate customers](https://www.payments.ca/aci-worldwide-reaping-benefits-payments-modernization-better-serve-corporate-customers.md)
- [ACSS Designated a Prominent Payment System by the Bank of Canada](https://www.payments.ca/acss-designated-prominent-payment-system-bank-canada.md)
- [ACSS rule changes enhance payment system processes](https://www.payments.ca/acss-rule-changes-enhance-payment-system-processes.md)
- [ADP calls on Canadian banks to get active on ISO 20022](https://www.payments.ca/adp-calls-canadian-banks-get-active-iso-20022.md)
- [Advancing payments knowledge through The Business of Payments: fall registration is open](https://www.payments.ca/advancing-payments-knowledge-through-business-payments-fall-registration-open.md)
- [Agenda for the 2023 Payments Canada SUMMIT released](https://www.payments.ca/agenda-2023-payments-canada-summit-released.md)
- [AI Solutions for Digital ID Verification: An overview of machine learning (ML) technologies used in Digital ID verification systems](https://www.payments.ca/ai-solutions-digital-id-verification-overview-machine-learning-ml-technologies-used-digital-id.md)
- [Alarming gap in working Canadians' understanding around paycheque details, reveals new Payments Canada study](https://www.payments.ca/alarming-gap-working-canadians-understanding-around-paycheque-details-reveals-new-payments-canada.md)
- [Alert: Fraudulent email impersonating Payments Canada](https://www.payments.ca/alert-fraudulent-email-impersonating-payments-canada.md)
- [Alert: Fraudulent email impersonating Payments Canada](https://www.payments.ca/alert-fraudulent-email-impersonating-payments-canada-0.md)
- [Alert: Fraudulent emails impersonating Payments Canada](https://www.payments.ca/alert-fraudulent-emails-impersonating-payments-canada.md)
- [Alert: Fraudulent text message impersonating Payments Canada](https://www.payments.ca/alert-fraudulent-text-message-impersonating-payments-canada.md)
- [Alert: Fraudulent website impersonating Payments Canada](https://www.payments.ca/alert-fraudulent-website-impersonating-payments-canada.md)
- [Alert: Microsoft outage linked to CrowdStrike](https://www.payments.ca/alert-microsoft-outage-linked-crowdstrike.md)
- [Amendments to rule H1 facilitate Pre-Authorized Debit (PAD) user experience ](https://www.payments.ca/amendments-rule-h1-facilitate-pre-authorized-debit-pad-user-experience.md)
- [Announcing The 2025 SUMMIT theme: Innovate. Collaborate. Transform.](https://www.payments.ca/announcing-2025-summit-theme-innovate-collaborate-transform.md)
- [ANZ’s Jo Spencer on modern payment systems around the world – A banker’s view](https://www.payments.ca/anzs-jo-spencer-modern-payment-systems-around-world-bankers-view.md)
- [Are Canadians ready to drop cheques and cash for digital/mobile alternatives?  Signs of a tipping point on emerging new payment technologies](https://www.payments.ca/are-canadians-ready-drop-cheques-and-cash-digitalmobile-alternatives-signs-tipping-point-emerging.md)
- [ATB Financial welcomes payments Modernization](https://www.payments.ca/atb-financial-welcomes-payments-modernization.md)
- [Automated Clearing Settlement System (ACSS) and Lynx rule amendments enhance efficiency and clarity](https://www.payments.ca/automated-clearing-settlement-system-acss-and-lynx-rule-amendments-enhance-efficiency-and-clarity.md)
- [Automated Clearing Settlement System (ACSS) statistics](https://www.payments.ca/automated-clearing-settlement-system-acss-statistics.md)
- [Automated Clearing Settlement System now accessible outside of Canada](https://www.payments.ca/automated-clearing-settlement-system-now-accessible-outside-canada.md)
- [Bank of Canada prepares for Release Two of Lynx, Canada’s high-value payment system](https://www.payments.ca/bank-canada-prepares-release-two-lynx-canadas-high-value-payment-system.md)
- [Beyond technology: How culture shapes payment modernization](https://www.payments.ca/beyond-technology-how-culture-shapes-payment-modernization.md)
- [Biggest challenges facing Canada’s payments industry tackled on day 3 of The 2019 SUMMIT](https://www.payments.ca/biggest-challenges-facing-canadas-payments-industry-tackled-day-3-2019-summit.md)
- [Biometric payments appeal to nearly half of Canadians but data security remains top of mind](https://www.payments.ca/biometric-payments-appeal-nearly-half-canadians-data-security-remains-top-mind.md)
- [Blockchain, Fintech and the Future of Finance: Canada’s payments conference kicks off in Calgary](https://www.payments.ca/blockchain-fintech-and-future-finance-canadas-payments-conference-kicks-calgary.md)
- [Breaking barriers for vulnerable Canadians by advancing access to payments](https://www.payments.ca/breaking-barriers-vulnerable-canadians-advancing-access-payments.md)
- [Bringing data-rich, high-value payments to Canada: Lynx fully adopts the ISO 20022 standard](https://www.payments.ca/bringing-data-rich-high-value-payments-canada-lynx-fully-adopts-iso-20022-standard.md)
- [Bringing ISO 20022 to high-value payments in Canada: A TD perspective](https://www.payments.ca/bringing-iso-20022-high-value-payments-canada-td-perspective.md)
- [Bruce Croxon to host the 2018 Payments Canada SUMMIT](https://www.payments.ca/bruce-croxon-host-2018-payments-canada-summit.md)
- [Business payments in Canada: a trilogy of surveys point to inefficiencies](https://www.payments.ca/business-payments-canada-trilogy-surveys-point-inefficiencies.md)
- [Businesses stand to lose customers from payment friction at check-out](https://www.payments.ca/businesses-stand-lose-customers-payment-friction-check-out.md)
- [Buy now, pay later – Is it here to stay?](https://www.payments.ca/buy-now-pay-later-it-here-stay.md)
- [Call for Member Advisory Council Nominations](https://www.payments.ca/call-member-advisory-council-nominations.md)
- [Call for Papers: 7th joint Payments Canada and Bank of Canada research symposium](https://www.payments.ca/call-papers-7th-joint-payments-canada-and-bank-canada-research-symposium.md)
- [Call for papers: Workshop on payments and securities settlement data and information ](https://www.payments.ca/call-papers-workshop-payments-and-securities-settlement-data-and-information.md)
- [Canada delivers first milestone on payments modernization program](https://www.payments.ca/canada-delivers-first-milestone-payments-modernization-program.md)
- [Canada Emergency Wage Subsidy: supporting businesses to receive emergency funding more quickly](https://www.payments.ca/canada-emergency-wage-subsidy-supporting-businesses-receive-emergency-funding-more-quickly.md)
- [Canada experiences rebound in transaction volume and value in 2021 ](https://www.payments.ca/canada-experiences-rebound-transaction-volume-and-value-2021.md)
- [Canada reaches $11.7 trillion in payment transactions in 2022 – up seven per cent in value from 2021](https://www.payments.ca/canada-reaches-117-trillion-payment-transactions-2022-seven-cent-value-2021.md)
- [Canada reaches $11.9 trillion in retail payment transactions with 21.7 billion transactions in 2023, up six per cent year-over-year](https://www.payments.ca/canada-reaches-119-trillion-retail-payment-transactions-217-billion-transactions-2023-six-cent-year.md)
- [Canada reaches $12.2 trillion in payment transactions in 2024, with credit cards accounting for 1 in 3 transactions](https://www.payments.ca/canada-reaches-122-trillion-payment-transactions-2024-credit-cards-accounting-1-3-transactions.md)
- [Canada: An analysis of payments and e-commerce trends](https://www.payments.ca/canada-analysis-payments-and-e-commerce-trends.md)
- [Canada's CFO of the year, Pamela Steer, joins Payments Canada executive team](https://www.payments.ca/canadas-cfo-year-pamela-steer-joins-payments-canada-executive-team.md)
- [Canada's payments future explored, discussed and debated at a wide variety of sessions on day two of The 2019 SUMMIT](https://www.payments.ca/canadas-payments-future-explored-discussed-and-debated-wide-variety-sessions-day-two-2019-summit.md)
- [Canada's Real-Time Rail program resumes with renewed momentum](https://www.payments.ca/canadas-real-time-rail-program-resumes-renewed-momentum.md)
- [Canada’s Emergency Response Benefit: bringing Canadians safe and secure payments during a time of crisis](https://www.payments.ca/canadas-emergency-response-benefit-bringing-canadians-safe-and-secure-payments-during-time-crisis.md)
- [Canada’s future in real-time](https://www.payments.ca/canadas-future-real-time.md)
- [Canada’s gig economy has been fuelled by the pandemic – but workers and businesses are challenged by payments mismatch](https://www.payments.ca/canadas-gig-economy-has-been-fuelled-pandemic-workers-and-businesses-are-challenged-payments.md)
- [Canada’s national payments systems continue to run safely and soundly](https://www.payments.ca/canadas-national-payments-systems-continue-run-safely-and-soundly.md)
- [Canada’s Real-Time Rail Quarterly Update with Jude Pinto: 2026 Q1](https://www.payments.ca/canadas-real-time-rail-quarterly-update-jude-pinto-2026-q1.md)
- [Canada’s Real-Time Rail Quarterly Update with Jude Pinto: 2026 Q2](https://www.payments.ca/canadas-real-time-rail-quarterly-update-jude-pinto-2026-q2.md)
- [Canada’s Real-Time Rail Quarterly Update with Jude Pinto: 2026 Q3](https://www.payments.ca/canadas-real-time-rail-quarterly-update-jude-pinto-2026-q3.md)
- [Canada’s Real-Time Rail recognized as a powerful engine for national productivity and growth](https://www.payments.ca/canadas-real-time-rail-recognized-powerful-engine-national-productivity-and-growth.md)
- [Canada’s Real-Time Rail: Collaborating for the benefit of the payment ecosystem](https://www.payments.ca/canadas-real-time-rail-collaborating-benefit-payment-ecosystem.md)
- [Canadian businesses and consumers more aware of payment fraud – but must remain cautious about mitigating risks](https://www.payments.ca/canadian-businesses-and-consumers-more-aware-payment-fraud-must-remain-cautious-about-mitigating.md)
- [Canadian consumers cautiously optimistic about financial outlook – but continue to tighten spending](https://www.payments.ca/canadian-consumers-cautiously-optimistic-about-financial-outlook-continue-tighten-spending.md)
- [Canadian demands for speed and convenience influencing payments innovation](https://www.payments.ca/canadian-demands-speed-and-convenience-influencing-payments-innovation.md)
- [Canadian payment data for 2021](https://www.payments.ca/canadian-payment-data-2021.md)
- [Canadian payment data for 2022](https://www.payments.ca/canadian-payment-data-2022.md)
- [Canadian payment data for 2023](https://www.payments.ca/canadian-payment-data-2023.md)
- [Canadian payment data for 2024](https://www.payments.ca/canadian-payment-data-2024.md)
- [Canadian Payment Methods and Trends Report finds cash is king, for now](https://www.payments.ca/canadian-payment-methods-and-trends-report-finds-cash-king-now.md)
- [Canadian payment transactions total more than $12 trillion in 2025; real-time payments appeal to over half of Canadians: Payments Canada research](https://www.payments.ca/canadian-payment-transactions-total-more-12-trillion-2025-real-time-payments-appeal-over-half.md)
- [Canadian Payments Association (CPA) announces new Board of Directors and governance model to better serve Canada’s payment and financial systems](https://www.payments.ca/canadian-payments-association-cpa-announces-new-board-directors-and-governance-model-better-serve.md)
- [Canadian Payments Association (CPA) seeks corporate input on Canadian Payments](https://www.payments.ca/canadian-payments-association-cpa-seeks-corporate-input-canadian-payments.md)
- [Canadian Payments Association becomes Payments Canada](https://www.payments.ca/canadian-payments-association-becomes-payments-canada.md)
- [Canadian Payments Association Launches Initiatives to Support Modernization of Canada's Payments System](https://www.payments.ca/canadian-payments-association-launches-initiatives-support-modernization-canadas-payments-system.md)
- [Canadian public weighs in on Payments Canada’s Modernization Roadmap & High-Level Plan](https://www.payments.ca/canadian-public-weighs-payments-canadas-modernization-roadmap-high-level-plan.md)
- [Canadian small businesses face continued struggles from pandemic headwinds – including adverse impact on sales (by 37% of businesses) and managing margins and profit (33%), reveals new Payments Canada study](https://www.payments.ca/canadian-small-businesses-face-continued-struggles-pandemic-headwinds-including-adverse-impact.md)
- [Canadian spending and purchase habits have not yet returned to pre-pandemic preferences](https://www.payments.ca/canadian-spending-and-purchase-habits-have-not-yet-returned-pre-pandemic-preferences.md)
- [Canadians have polarizing views on evolving payment innovations with security concerns being top-of-mind, reveals new Payments Canada study](https://www.payments.ca/canadians-have-polarizing-views-evolving-payment-innovations-security-concerns-being-top-mind.md)
- [Canadians motivated by convenience and rewards when it comes to payment choices](https://www.payments.ca/canadians-motivated-convenience-and-rewards-when-it-comes-payment-choices.md)
- [Canadians nearly three times more likely to encounter payment fraud using cash versus credit cards](https://www.payments.ca/canadians-nearly-three-times-more-likely-encounter-payment-fraud-using-cash-versus-credit-cards.md)
- [Canadians prioritize security above all when evaluating new payment technologies](https://www.payments.ca/canadians-prioritize-security-above-all-when-evaluating-new-payment-technologies.md)
- [Canadians rapidly adopting new payments channels](https://www.payments.ca/canadians-rapidly-adopting-new-payments-channels.md)
- [Canadians report a love-hate relationship with cash, reveals new Payments Canada study](https://www.payments.ca/canadians-report-love-hate-relationship-cash-reveals-new-payments-canada-study.md)
- [Canadians want faster, simpler and safer payments](https://www.payments.ca/canadians-want-faster-simpler-and-safer-payments.md)
- [Canadians want payment choices moving forward](https://www.payments.ca/canadians-want-payment-choices-moving-forward.md)
- [Cash dethroned for Canadian small businesses](https://www.payments.ca/cash-dethroned-canadian-small-businesses.md)
- [Celebrating 40 years of payments](https://www.payments.ca/celebrating-40-years-payments.md)
- [Central 1 gets ready for the launch of Lynx, Canada’s new high-value payments system](https://www.payments.ca/central-1-gets-ready-launch-lynx-canadas-new-high-value-payments-system.md)
- [Central 1 reaches important milestones on its journey towards go-live of Lynx, Canada’s new high-value system](https://www.payments.ca/central-1-reaches-important-milestones-its-journey-towards-go-live-lynx-canadas-new-high-value.md)
- [Central Bank issued digital currencies: a global trend](https://www.payments.ca/central-bank-issued-digital-currencies-global-trend.md)
- [Changes to Canada’s payments systems will create faster, more flexible and secure ways to pay](https://www.payments.ca/changes-canadas-payments-systems-will-create-faster-more-flexible-and-secure-ways-pay.md)
- [Changes to rules and standards](https://www.payments.ca/changes-rules-and-standards.md)
- [Changes to the Canadian Payments Act receive royal assent](https://www.payments.ca/changes-canadian-payments-act-receive-royal-assent.md)
- [Changing the channel: mobile is taking over the online and offline point-of-sale](https://www.payments.ca/changing-channel-mobile-taking-over-online-and-offline-point-sale.md)
- [Chinese Consumers Represent Biggest Growth Opportunity for Canadian Businesses, says Alipay](https://www.payments.ca/chinese-consumers-represent-biggest-growth-opportunity-canadian-businesses-says-alipay.md)
- [Citi announced as a new participant on Lynx, Canada’s new high-value payment system](https://www.payments.ca/citi-announced-new-participant-lynx-canadas-new-high-value-payment-system.md)
- [Citi is preparing for the future by joining Lynx, Canada’s new high-value payment system](https://www.payments.ca/citi-preparing-future-joining-lynx-canadas-new-high-value-payment-system.md)
- [Clearing and settlement component of the Real-Time Rail over halfway built](https://www.payments.ca/clearing-and-settlement-component-real-time-rail-over-halfway-built.md)
- [Coalition of leading industry stakeholders voice continued support for vital Canadian Payments Act amendments](https://www.payments.ca/coalition-leading-industry-stakeholders-voice-continued-support-vital-canadian-payments-act.md)
- [Collaborating with AdvantageBC to raise awareness about the business benefits of modernizing Canada’s payment interactions](https://www.payments.ca/collaborating-advantagebc-raise-awareness-about-business-benefits-modernizing-canadas-payment.md)
- [Combating fraud with identity-centric payments ](https://www.payments.ca/combating-fraud-identity-centric-payments.md)
- [Coming together to discuss the next generation of payments and securities settlement data and information](https://www.payments.ca/coming-together-discuss-next-generation-payments-and-securities-settlement-data-and-information.md)
- [Compelling new evidence of strong link between AFT and Canada's cheque decline](https://www.payments.ca/compelling-new-evidence-strong-link-between-aft-and-canadas-cheque-decline.md)
- [Connect with the best thinkers, leaders and innovators in payments at The SUMMIT](https://www.payments.ca/connect-best-thinkers-leaders-and-innovators-payments-summit.md)
- [Connection is key: Central 1’s implementation of APIs](https://www.payments.ca/connection-key-central-1s-implementation-apis.md)
- [Consultation reconfirms strong ecosystem support for expanded membership eligibility](https://www.payments.ca/consultation-reconfirms-strong-ecosystem-support-expanded-membership-eligibility.md)
- [Consultation response: Amendments to the Election of Directors Regulations](https://www.payments.ca/consultation-response-amendments-election-directors-regulations.md)
- [Consultations on proposed changes to compliance by-law, election of directors regulations open](https://www.payments.ca/consultations-proposed-changes-compliance-law-election-directors-regulations-open.md)
- [COVID-19 pandemic dramatically shifts Canadians’ spending habits](https://www.payments.ca/covid-19-pandemic-dramatically-shifts-canadians-spending-habits.md)
- [CPA leads industry dialogue on duplicate payment items in the imaging environment (Duplicate Items Part 1)](https://www.payments.ca/cpa-leads-industry-dialogue-duplicate-payment-items-imaging-environment-duplicate-items-part-1.md)
- [CPA Leads Transition to Electronic Payments with Launch of Global Messaging Standard in Canada](https://www.payments.ca/cpa-leads-transition-electronic-payments-launch-global-messaging-standard-canada.md)
- [CPA Releases Multi-Year Data on Canadian Payment Methods and Trends](https://www.payments.ca/cpa-releases-multi-year-data-canadian-payment-methods-and-trends.md)
- [CPA seeks feedback on enhancements to point-of-service payments framework](https://www.payments.ca/cpa-seeks-feedback-enhancements-point-service-payments-framework.md)
- [CPA seeks nominations for its Stakeholder Advisory Council](https://www.payments.ca/cpa-seeks-nominations-its-stakeholder-advisory-council.md)
- [CPA uncovers a common vision for progress in payments](https://www.payments.ca/cpa-uncovers-common-vision-progress-payments.md)
- [CPA welcomes newest appointees to its Stakeholder Advisory Council](https://www.payments.ca/cpa-welcomes-newest-appointees-its-stakeholder-advisory-council.md)
- [CPA’s Jeff van Duynhoven talks to News Talk 770 in Calgary about the Vision for the Canadian Payments Ecosystem](https://www.payments.ca/cpas-jeff-van-duynhoven-talks-news-talk-770-calgary-about-vision-canadian-payments-ecosystem.md)
- [Creating a unified commerce experience for Canadians](https://www.payments.ca/creating-unified-commerce-experience-canadians.md)
- [Creating new opportunities in Canadian Payments: CPA seeking feedback on its ISO 20022 Payments Standard Initiative](https://www.payments.ca/creating-new-opportunities-canadian-payments-cpa-seeking-feedback-its-iso-20022-payments-standard.md)
- [Credit unions and changes to the Canadian Payments Act](https://www.payments.ca/credit-unions-and-changes-canadian-payments-act.md)
- [Critical milestone achieved: By-law and rules approved for Canada’s Real-Time Rail](https://www.payments.ca/critical-milestone-achieved-law-and-rules-approved-canadas-real-time-rail.md)
- [Cross-border payments: Canadian landscape and challenges](https://www.payments.ca/cross-border-payments-canadian-landscape-and-challenges.md)
- [Cybercrime is evolving: is your business keeping up?](https://www.payments.ca/cybercrime-evolving-your-business-keeping.md)
- [Cyrielle Chiron to lead Payments Canada research function](https://www.payments.ca/cyrielle-chiron-lead-payments-canada-research-function.md)
- [Data laws for the digital age](https://www.payments.ca/data-laws-digital-age.md)
- [Data-driven defenses against global payment fraud trends](https://www.payments.ca/data-driven-defenses-against-global-payment-fraud-trends.md)
- [Day one of The 2022 Payments Canada SUMMIT kicks off with some of the biggest names in payments](https://www.payments.ca/day-one-2022-payments-canada-summit-kicks-some-biggest-names-payments.md)
- [Deana Djurdjevic appointed Payments Canada Chief of Staff to support strategic delivery](https://www.payments.ca/deana-djurdjevic-appointed-payments-canada-chief-staff-support-strategic-delivery.md)
- [Delivering payment options that Canadians not only want but need](https://www.payments.ca/delivering-payment-options-canadians-not-only-want-need.md)
- [Delivering the Real-Time Rail to Canada](https://www.payments.ca/delivering-real-time-rail-canada.md)
- [Delivery Roadmap Q1 update](https://www.payments.ca/delivery-roadmap-q1-update.md)
- [Department of Finance releases Retail Payment Activities Act regulations](https://www.payments.ca/department-finance-releases-retail-payment-activities-act-regulations.md)
- [Director of the MIT Media Lab and Author of Whiplash, Joi Ito, to deliver keynote address at The Summit](https://www.payments.ca/director-mit-media-lab-and-author-whiplash-joi-ito-deliver-keynote-address-summit.md)
- [Do you understand your paycheque?](https://www.payments.ca/do-you-understand-your-paycheque.md)
- [Don Tapscott featured as a Keynote Speaker at Payments Canada Summit](https://www.payments.ca/don-tapscott-featured-keynote-speaker-payments-canada-summit.md)
- [Driving efficiency, innovation and interoperability through ISO 20022 adoption](https://www.payments.ca/driving-efficiency-innovation-and-interoperability-through-iso-20022-adoption.md)
- [Driving payment innovation: A conversation with the new chair of the Stakeholder Advisory Council](https://www.payments.ca/driving-payment-innovation-conversation-new-chair-stakeholder-advisory-council.md)
- [Driving the conversation for change: Spotlight on founder of PYMNTS.com - Karen Webster](https://www.payments.ca/driving-conversation-change-spotlight-founder-pymntscom-karen-webster.md)
- [Economics of tiered participation in payments](https://www.payments.ca/economics-tiered-participation-payments.md)
- [Education and collaboration are vital to improving payment experiences for small businesses in Canada](https://www.payments.ca/education-and-collaboration-are-vital-improving-payment-experiences-small-businesses-canada.md)
- [Electronic invoicing – Will businesses replace paper with electronic invoicing?](https://www.payments.ca/electronic-invoicing-will-businesses-replace-paper-electronic-invoicing.md)
- [Embracing digital payment options and fueling payment innovation in Canada](https://www.payments.ca/embracing-digital-payment-options-and-fueling-payment-innovation-canada.md)
- [Emerging payment policy: Central bank digital currency and Payments Canada role](https://www.payments.ca/emerging-payment-policy-central-bank-digital-currency-and-payments-canada-role.md)
- [Emerging payment policy: QR codes as an alternate payment method](https://www.payments.ca/emerging-payment-policy-qr-codes-alternate-payment-method.md)
- [Enabling customer-centric experiences through modern payment systems and legislation](https://www.payments.ca/enabling-customer-centric-experiences-through-modern-payment-systems-and-legislation.md)
- [Enhancing the way we pay: How ISO 20022 is transforming payments](https://www.payments.ca/enhancing-way-we-pay-how-iso-20022-transforming-payments.md)
- [Episode 1: Lauren Fleming | Ernst & Young ](https://www.payments.ca/episode-1-lauren-fleming-ernst-young.md)
- [Episode 11: Faster payments, now!](https://www.payments.ca/episode-11-faster-payments-now.md)
- [Episode 12 - Continued innovation for digital ID and authentication](https://www.payments.ca/episode-12-continued-innovation-digital-id-and-authentication.md)
- [Episode 13: Addressing the risk in the payments industry before, during and after COVID-19](https://www.payments.ca/episode-13-addressing-risk-payments-industry-during-and-after-covid-19.md)
- [Episode 14: Opportunities and challenges for expanded access to Canada’s payments systems](https://www.payments.ca/episode-14-opportunities-and-challenges-expanded-access-canadas-payments-systems.md)
- [Episode 15: Current state of central bank digital currencies](https://www.payments.ca/episode-15-current-state-central-bank-digital-currencies.md)
- [Episode 16: How retailers are navigating new economic realities](https://www.payments.ca/episode-16-how-retailers-are-navigating-new-economic-realities.md)
- [Episode 17: Trends shaping payments in 2021](https://www.payments.ca/episode-17-trends-shaping-payments-2021.md)
- [Episode 18: Canada's payments modernization plan](https://www.payments.ca/episode-18-canadas-payments-modernization-plan.md)
- [Episode 19: Modernizing high-value payment systems](https://www.payments.ca/episode-19-modernizing-high-value-payment-systems.md)
- [Episode 2: Small Business Payments with Dan Kelly | CFIB & Siena Dixon | Ollie Quinn](https://www.payments.ca/episode-2-small-business-payments-dan-kelly-cfib-siena-dixon-ollie-quinn.md)
- [Episode 20: Faster payments are only part of the real-time payments story](https://www.payments.ca/episode-20-faster-payments-are-only-part-real-time-payments-story.md)
- [Episode 21: The battle for customer experience](https://www.payments.ca/episode-21-battle-customer-experience.md)
- [Episode 22: The future of modern payments](https://www.payments.ca/episode-22-future-modern-payments.md)
- [Episode 23: The best of The 2022 SUMMIT](https://www.payments.ca/episode-23-best-2022-summit.md)
- [Episode 24: Financial literacy in an increasingly digital world](https://www.payments.ca/episode-24-financial-literacy-increasingly-digital-world.md)
- [Episode 25: Regulate to innovate - a call for modern payment legislation in Canada](https://www.payments.ca/episode-25-regulate-innovate-call-modern-payment-legislation-canada.md)
- [Episode 26: The best of The 2023 SUMMIT](https://www.payments.ca/episode-26-best-2023-summit.md)
- [Episode 27: Leading through modern payments](https://www.payments.ca/episode-27-leading-through-modern-payments.md)
- [Episode 28: CP Act amendments: so now what?](https://www.payments.ca/episode-28-cp-act-amendments-so-now-what.md)
- [Episode 29: The HVPS+ ISO 20022 Payments Interoperability Charter](https://www.payments.ca/episode-29-hvps-iso-20022-payments-interoperability-charter.md)
- [Episode 3 : Payments for the Generations with Shannon Lee Simmons, Ceri Marsh & David Cravit ](https://www.payments.ca/episode-3-payments-generations-shannon-lee-simmons-ceri-marsh-david-cravit.md)
- [Episode 30: If you made a payment today, thank a rule!](https://www.payments.ca/episode-30-if-you-made-payment-today-thank-rule.md)
- [Episode 31: Future trends in payments](https://www.payments.ca/episode-31-future-trends-payments.md)
- [Episode 32: The RTR, a team Canada approach to delivery and beyond](https://www.payments.ca/episode-32-rtr-team-canada-approach-delivery-and-beyond.md)
- [Episode 33: The Canadian Payment Methods and Trends report and real-time payments](https://www.payments.ca/episode-33-canadian-payment-methods-and-trends-report-and-real-time-payments.md)
- [Episode 34: 2024 in review and looking forward to 2025](https://www.payments.ca/episode-34-2024-review-and-looking-forward-2025.md)
- [Episode 35: CP Act consultation results](https://www.payments.ca/episode-35-cp-act-consultation-results.md)
- [Episode 36: The Real-Time Rail: an update on our approach to delivery and beyond](https://www.payments.ca/episode-36-real-time-rail-update-our-approach-delivery-and-beyond.md)
- [Episode 37: A world of payments: national stories, global impact](https://www.payments.ca/episode-37-world-payments-national-stories-global-impact.md)
- [Episode 38: Keeping your money safe](https://www.payments.ca/episode-38-keeping-your-money-safe.md)
- [Episode 39: Accelerating economic growth](https://www.payments.ca/episode-39-accelerating-economic-growth.md)
- [Episode 4: Women leading change in payments with Elena Litani, Jennifer Tramontana & Shemina Jiwani ](https://www.payments.ca/episode-4-women-leading-change-payments-elena-litani-jennifer-tramontana-shemina-jiwani.md)
- [Episode 40: Participant onboarding — Unlocking access for RTR participants](https://www.payments.ca/episode-40-participant-onboarding-unlocking-access-rtr-participants.md)
- [Episode 41: Sharing open banking success stories — spotlight on UK fintech innovation](https://www.payments.ca/episode-41-sharing-open-banking-success-stories-spotlight-uk-fintech-innovation.md)
- [Episode 42: Economies of machines — tokenization for agentic autonomous finance](https://www.payments.ca/episode-42-economies-machines-tokenization-agentic-autonomous-finance.md)
- [Episode 43: Fraud prevention strategies for real-time, open banking and digital payments](https://www.payments.ca/episode-43-fraud-prevention-strategies-real-time-open-banking-and-digital-payments.md)
- [Episode 44: Banking in disguise — When every app becomes a bank](https://www.payments.ca/episode-44-banking-disguise-when-every-app-becomes-bank.md)
- [Episode 45: Takin’ care of business (every working hour) — The RTR reality](https://www.payments.ca/episode-45-takin-care-business-every-working-hour-rtr-reality.md)
- [Episode 46: Finding your path in Canada’s payment ecosystem](https://www.payments.ca/episode-46-finding-your-path-canadas-payment-ecosystem.md)
- [Episode 47: The business case for overlays — building value on the Real-Time Rail](https://www.payments.ca/episode-47-business-case-overlays-building-value-real-time-rail.md)
- [Episode 5: Are Canadians going cashless? Featuring Malcolm Fowler, Curt Binns & Neville Arjani](https://www.payments.ca/episode-5-are-canadians-going-cashless-featuring-malcolm-fowler-curt-binns-neville-arjani.md)
- [Episode 6: PayTechs of Canada unite with Ben Harrison, Laurence Cooke, Shirley Matthew & Harinder Takhar](https://www.payments.ca/episode-6-paytechs-canada-unite-ben-harrison-laurence-cooke-shirley-matthew-harinder-takhar.md)
- [Episode 7: In pursuit of dataful payments with Mike Sigal & Andrew Higgins](https://www.payments.ca/episode-7-pursuit-dataful-payments-mike-sigal-andrew-higgins.md)
- [Episode 8: The way we pay with Sue Britton, Alvin Chan and Rubina Ahmed-Haq](https://www.payments.ca/episode-8-way-we-pay-sue-britton-alvin-chan-and-rubina-ahmed-haq.md)
- [Episode 9: 2020 Canadian Payment Trends](https://www.payments.ca/episode-9-2020-canadian-payment-trends.md)
- [Everyone is smarter than anyone: Collaboration is key to addressing payment market needs](https://www.payments.ca/everyone-smarter-anyone-collaboration-key-addressing-payment-market-needs.md)
- [Expanded access to critical payment infrastructure will drive competition and growth for Canada](https://www.payments.ca/expanded-access-critical-payment-infrastructure-will-drive-competition-and-growth-canada.md)
- [Experts explain payments in Canada](https://www.payments.ca/experts-explain-payments-canada.md)
- [Explainer: Bill payment remittances](https://www.payments.ca/explainer-bill-payment-remittances.md)
- [Explainer: Lynx wire payments and the Payment Confirmation Reference Number](https://www.payments.ca/explainer-lynx-wire-payments-and-payment-confirmation-reference-number.md)
- [Explainer: Why is the financial industry calling for changes to the Canadian Payments Act?](https://www.payments.ca/explainer-why-financial-industry-calling-changes-canadian-payments-act.md)
- [Explore the Real-Time Rail sandbox API environment](https://www.payments.ca/explore-real-time-rail-sandbox-api-environment.md)
- [Exploring safety and efficiency in payments system design](https://www.payments.ca/exploring-safety-and-efficiency-payments-system-design.md)
- [Fast, simple and smarter payments - Australia steps into the real-time space with the launch of the New Payments Platform](https://www.payments.ca/fast-simple-and-smarter-payments-australia-steps-real-time-space-launch-new-payments-platform.md)
- [Federal Budget 2016: Financial Sector Highlights](https://www.payments.ca/federal-budget-2016-financial-sector-highlights.md)
- [Federal Budget 2022 - Financial section highlights](https://www.payments.ca/federal-budget-2022-financial-section-highlights.md)
- [Federal budget 2024 — payment industry highlights](https://www.payments.ca/federal-budget-2024-payment-industry-highlights.md)
- [FINA pre-budget consultation highlights continued industry support for broader access to Canada’s payment infrastructure](https://www.payments.ca/fina-pre-budget-consultation-highlights-continued-industry-support-broader-access-canadas-payment.md)
- [Finalists announced for Canada's FinTech Cup](https://www.payments.ca/finalists-announced-canadas-fintech-cup.md)
- [Financial flexibility: The power and potential of real-time payments for Canadian consumers](https://www.payments.ca/financial-flexibility-power-and-potential-real-time-payments-canadian-consumers.md)
- [Financial sector highlights from Budget 2018](https://www.payments.ca/financial-sector-highlights-budget-2018.md)
- [Five reasons why you need to attend The Summit](https://www.payments.ca/five-reasons-why-you-need-attend-summit.md)
- [Foreword: Canada’s story, told through payments](https://www.payments.ca/foreword-canadas-story-told-through-payments.md)
- [Former President of Estonia – the blockchain nation – to headline Payments Canada SUMMIT in Toronto](https://www.payments.ca/former-president-estonia-blockchain-nation-headline-payments-canada-summit-toronto.md)
- [Frictionless finance: Unlocking real-time growth for Canadian businesses](https://www.payments.ca/frictionless-finance-unlocking-real-time-growth-canadian-businesses.md)
- [From next-day certainty to instant reality: Empowering merchants through real-time settlement](https://www.payments.ca/next-day-certainty-instant-reality-empowering-merchants-through-real-time-settlement.md)
- [Gen Z Canadians face disproportionate payment fraud risk, with nearly half experiencing scams in the past 12 months, reveals new Payments Canada research](https://www.payments.ca/gen-z-canadians-face-disproportionate-payment-fraud-risk-nearly-half-experiencing-scams-past-12.md)
- [Gerry Gaetz addresses Association of Financial Professionals of Calgary on creating positive change in the payments ecosystem](https://www.payments.ca/gerry-gaetz-addresses-association-financial-professionals-calgary-creating-positive-change-payments.md)
- [Get ready for the future of payments at The 2025 Payments Canada SUMMIT](https://www.payments.ca/get-ready-future-payments-2025-payments-canada-summit.md)
- [Global developments explored in latest central bank digital currency (CBDC) educational series](https://www.payments.ca/global-developments-explored-latest-central-bank-digital-currency-cbdc-educational-series.md)
- [Global developments in wholesale approaches explored in latest central bank digital currency (CBDC) educational series](https://www.payments.ca/global-developments-wholesale-approaches-explored-latest-central-bank-digital-currency-cbdc.md)
- [Global momentum toward expanding access to payment systems: A conversation with Wise](https://www.payments.ca/global-momentum-toward-expanding-access-payment-systems-conversation-wise.md)
- [Global real-time payments inspiration](https://www.payments.ca/global-real-time-payments-inspiration.md)
- [High-value payment system - Lynx statistics](https://www.payments.ca/high-value-payment-system-lynx-statistics.md)
- [How a global insurance company is rethinking payments to improve client experience](https://www.payments.ca/how-global-insurance-company-rethinking-payments-improve-client-experience.md)
- [How and why a global professional services provider is preparing for payments modernization, including ISO 20022](https://www.payments.ca/how-and-why-global-professional-services-provider-preparing-payments-modernization-including-iso.md)
- [How Canada’s evolving payment landscape will impact lenders](https://www.payments.ca/how-canadas-evolving-payment-landscape-will-impact-lenders.md)
- [How Canada’s Real-Time Rail will transform account-to-account payments](https://www.payments.ca/how-canadas-real-time-rail-will-transform-account-account-payments.md)
- [How cross-border payments are evolving](https://www.payments.ca/how-cross-border-payments-are-evolving.md)
- [How J.P. Morgan’s global experience is helping to shape the future of payments in Canada](https://www.payments.ca/how-jp-morgans-global-experience-helping-shape-future-payments-canada.md)
- [How the pandemic continues to influence retail payments](https://www.payments.ca/how-pandemic-continues-influence-retail-payments.md)
- [How the RPAA will support payment innovation for the benefit of Canadians](https://www.payments.ca/how-rpaa-will-support-payment-innovation-benefit-canadians.md)
- [Hydro-Québec powers forth on its payments modernization journey](https://www.payments.ca/hydro-quebec-powers-forth-its-payments-modernization-journey.md)
- [IBM Canada joins payments Modernization journey as lead technology partner for Canada’s new high-value system](https://www.payments.ca/ibm-canada-joins-payments-modernization-journey-lead-technology-partner-canadas-new-high-value.md)
- [IBM’s Vivek Bajaj on how new technologies and collaboration are transforming financial services](https://www.payments.ca/ibms-vivek-bajaj-how-new-technologies-and-collaboration-are-transforming-financial-services.md)
- [ICICI Bank Canada begins operations as LVTS direct participant](https://www.payments.ca/icici-bank-canada-begins-operations-lvts-direct-participant.md)
- [Implementation of changes to Payments Canada’s bill payment framework](https://www.payments.ca/implementation-changes-payments-canadas-bill-payment-framework.md)
- [Important information: The 2020 SUMMIT is cancelled](https://www.payments.ca/important-information-2020-summit-cancelled.md)
- [In discussion with New Zealand’s central bank: payments Modernization in New Zealand](https://www.payments.ca/discussion-new-zealands-central-bank-payments-modernization-new-zealand.md)
- [In Perspective: Modern Payments in South Africa](https://www.payments.ca/perspective-modern-payments-south-africa.md)
- [In support of risk mitigation: Payments Canada’s response to OSFI’s consultation](https://www.payments.ca/support-risk-mitigation-payments-canadas-response-osfis-consultation.md)
- [Inclusivity and resiliency through modern payment legislation, regulation and policy](https://www.payments.ca/inclusivity-and-resiliency-through-modern-payment-legislation-regulation-and-policy.md)
- [Inclusivity in Canadian payments: Barriers for people with disabilities](https://www.payments.ca/inclusivity-canadian-payments-barriers-people-disabilities.md)
- [Inside the BIS Toronto Innovation Centre with Miguel Díaz](https://www.payments.ca/inside-bis-toronto-innovation-centre-miguel-diaz.md)
- [Instant payment processing for gig workers is a big draw for businesses looking to take advantage of real-time payments](https://www.payments.ca/instant-payment-processing-gig-workers-big-draw-businesses-looking-take-advantage-real-time.md)
- [Introducing ISO 20022 to Lynx: what it means for high-value payments in Canada](https://www.payments.ca/introducing-iso-20022-lynx-what-it-means-high-value-payments-canada.md)
- [Introducing more benefits for end users and delivering more data - Lloyds Banking Group’s Otto Benz on the U.K.’s approach to modernizing payments](https://www.payments.ca/introducing-more-benefits-end-users-and-delivering-more-data-lloyds-banking-groups-otto-benz-uks.md)
- [Introducing the Bitcoin Sentiment Tracker](https://www.payments.ca/introducing-bitcoin-sentiment-tracker.md)
- [Introducing the Payments Perspectives series](https://www.payments.ca/introducing-payments-perspectives-series.md)
- [Inventor of the World Wide Web, Sir Tim Berners-Lee, to speak at Canada’s largest payments conference](https://www.payments.ca/inventor-world-wide-web-sir-tim-berners-lee-speak-canadas-largest-payments-conference.md)
- [Inviting payment service providers to participate on the Real-Time Rail](https://www.payments.ca/inviting-payment-service-providers-participate-real-time-rail.md)
- [Is Canada moving towards a cashless society?](https://www.payments.ca/canada-moving-towards-cashless-society.md)
- [Is your cheque in the mail? Hopefully not for much longer](https://www.payments.ca/your-cheque-mail-hopefully-not-much-longer.md)
- [ISO 20022 - the message is NOT the medium](https://www.payments.ca/iso-20022-message-not-medium.md)
- [ISO 20022 enhances payments with global messaging standard](https://www.payments.ca/iso-20022-enhances-payments-global-messaging-standard.md)
- [ISO 20022 harmonization and the future of cross-border payments](https://www.payments.ca/iso-20022-harmonization-and-future-cross-border-payments.md)
- [ISO 20022 messages for the Real-Time Rail now available](https://www.payments.ca/iso-20022-messages-real-time-rail-now-available.md)
- [ISO 20022 puts the automotive industry in the fast lane](https://www.payments.ca/iso-20022-puts-automotive-industry-fast-lane.md)
- [ISO 20022: A game changer for Canadian corporations](https://www.payments.ca/iso-20022-game-changer-canadian-corporations.md)
- [ISO 20022: The future of payments](https://www.payments.ca/iso-20022-future-payments.md)
- [John Cowan joins Payments Canada executive team to oversee technology, operations and security](https://www.payments.ca/john-cowan-joins-payments-canada-executive-team-oversee-technology-operations-and-security.md)
- [Join the conversation at The Payments Canada SUMMIT Idea Exchange](https://www.payments.ca/join-conversation-payments-canada-summit-idea-exchange.md)
- [Join the journey to modernization: Payments Canada seeks nominees for its Stakeholder Advisory Council](https://www.payments.ca/join-journey-modernization-payments-canada-seeks-nominees-its-stakeholder-advisory-council.md)
- [Joint letter to the Minister of Finance on changes to Canadian Payments Act](https://www.payments.ca/joint-letter-minister-finance-changes-canadian-payments-act.md)
- [Keeping Canada’s payment systems safe through effective risk and security management](https://www.payments.ca/keeping-canadas-payment-systems-safe-through-effective-risk-and-security-management.md)
- [Key changes to Payments Canada by-laws strengthen and support expanded membership](https://www.payments.ca/key-changes-payments-canada-laws-strengthen-and-support-expanded-membership.md)
- [KOHO’s vision for Canada’s Real-Time Rail and financial inclusion](https://www.payments.ca/kohos-vision-canadas-real-time-rail-and-financial-inclusion.md)
- [Latest in Bitcoin Sentiment Tracker study explores merchant side of Bitcoin retail experience](https://www.payments.ca/latest-bitcoin-sentiment-tracker-study-explores-merchant-side-bitcoin-retail-experience.md)
- [Latest rule amendments clarify cross-border arrangements and increase efficiency](https://www.payments.ca/latest-rule-amendments-clarify-cross-border-arrangements-and-increase-efficiency.md)
- [Legislative changes needed for stronger consumer protection and financial stability](https://www.payments.ca/legislative-changes-needed-stronger-consumer-protection-and-financial-stability.md)
- [Lessons learned from ATB’s core banking system revitalization](https://www.payments.ca/lessons-learned-atbs-core-banking-system-revitalization.md)
- [Lessons learned from the modernization of Australia’s payments systems](https://www.payments.ca/lessons-learned-modernization-australias-payments-systems.md)
- [Lessons learned from the U.S. experience (Duplicate Items Part 2)](https://www.payments.ca/lessons-learned-us-experience-duplicate-items-part-2.md)
- [Leveraging APIs: beta launch of API developer portal](https://www.payments.ca/leveraging-apis-beta-launch-api-developer-portal.md)
- [Lisa Ford joins Payments Canada as Chief Legal and Policy Officer](https://www.payments.ca/lisa-ford-joins-payments-canada-chief-legal-and-policy-officer.md)
- [Lynx achieves full adoption of ISO 20022 messaging standard (MX) and implementation of hybrid postal address format](https://www.payments.ca/lynx-achieves-full-adoption-iso-20022-messaging-standard-mx-and-implementation-hybrid-postal.md)
- [Lynx APIs offer members access to new system capabilities](https://www.payments.ca/lynx-apis-offer-members-access-new-system-capabilities.md)
- [Lynx: Canada’s new high-value payment system](https://www.payments.ca/lynx-canadas-new-high-value-payment-system.md)
- [Majority of Canadians (58 per cent) still spending less nearly a year following Canada declaring state of emergency due to pandemic](https://www.payments.ca/majority-canadians-58-cent-still-spending-less-nearly-year-following-canada-declaring-state.md)
- [Majority of Canadians alter payment habits due to fraud concerns — 13 per cent affected by payment fraud in the past six months](https://www.payments.ca/majority-canadians-alter-payment-habits-due-fraud-concerns-13-cent-affected-payment-fraud-past-six.md)
- [Matthew Parker-Jones on a team Canada approach to payments](https://www.payments.ca/matthew-parker-jones-team-canada-approach-payments.md)
- [MEDIA ADVISORY: Bank of Canada, Payments Canada, TMX Group and Accenture set to present initial findings of third phase experimental blockchain research project](https://www.payments.ca/media-advisory-bank-canada-payments-canada-tmx-group-and-accenture-set-present-initial-findings.md)
- [Media Advisory: Canada’s largest payments conference set to bring together payments leaders on innovation, collaboration and change](https://www.payments.ca/media-advisory-canadas-largest-payments-conference-set-bring-together-payments-leaders-innovation.md)
- [Media Advisory: Don Tapscott, Joi Ito, and Brian Porter set to take center stage at Canada’s largest payments conference](https://www.payments.ca/media-advisory-don-tapscott-joi-ito-and-brian-porter-set-take-center-stage-canadas-largest-payments.md)
- [Media Advisory: Finalists announced for Canada’s FinTech Cup](https://www.payments.ca/media-advisory-finalists-announced-canadas-fintech-cup.md)
- [Media advisory: Minister François-Philippe Champagne to address national economic priorities at The Payments Canada SUMMIT](https://www.payments.ca/media-advisory-minister-francois-philippe-champagne-address-national-economic-priorities-payments.md)
- [MEDIA ADVISORY: Payment leaders gather to discuss evolving payment landscape at The 2022 SUMMIT](https://www.payments.ca/media-advisory-payment-leaders-gather-discuss-evolving-payment-landscape-2022-summit.md)
- [MEDIA ADVISORY: Payments Canada to explore future of global payments industry at The 2021 SUMMIT](https://www.payments.ca/media-advisory-payments-canada-explore-future-global-payments-industry-2021-summit.md)
- [Media Advisory: Payments SUMMIT opens to record crowds ready to talk innovation, collaboration and protection for Canada’s payments industry](https://www.payments.ca/media-advisory-payments-summit-opens-record-crowds-ready-talk-innovation-collaboration-and.md)
- [Member update](https://www.payments.ca/member-update.md)
- [Member update](https://www.payments.ca/member-update-0.md)
- [Michael Liberty appointed Chair of Member Advisory Council](https://www.payments.ca/michael-liberty-appointed-chair-member-advisory-council.md)
- [Minister Champagne reaffirms government’s dedication to working with all payment industry stakeholders to accelerate national and economic prosperity: The Payments Canada SUMMIT](https://www.payments.ca/minister-champagne-reaffirms-governments-dedication-working-all-payment-industry-stakeholders.md)
- [Mod Blog: A call for a global standard and certification for payment skills](https://www.payments.ca/mod-blog-call-global-standard-and-certification-payment-skills.md)
- [Mod Blog: A real-time what? Inspiration from across the pond(s)](https://www.payments.ca/mod-blog-real-time-what-inspiration-across-ponds.md)
- [Mod Blog: BMO’s Payments Modernization focused on value for Customers](https://www.payments.ca/mod-blog-bmos-payments-modernization-focused-value-customers.md)
- [Mod Blog: Central 1 champions Modernized Payments](https://www.payments.ca/mod-blog-central-1-champions-modernized-payments.md)
- [Mod Blog: Charting the future for cross-border payments](https://www.payments.ca/mod-blog-charting-future-cross-border-payments.md)
- [Mod Blog: Faster, more efficient payments are on the way for Canadians](https://www.payments.ca/mod-blog-faster-more-efficient-payments-are-way-canadians.md)
- [Mod Blog: Have your cake and eat it too - Fast, easy, and SAFE retail payments](https://www.payments.ca/mod-blog-have-your-cake-and-eat-it-too-fast-easy-and-safe-retail-payments.md)
- [Mod Blog: Identifying and mitigating risks to remain resilient](https://www.payments.ca/mod-blog-identifying-and-mitigating-risks-remain-resilient.md)
- [Mod Blog: It’s finally time to change the way we pay](https://www.payments.ca/mod-blog-its-finally-time-change-way-we-pay.md)
- [Mod Blog: Long live the batch – Why modernizing AFT is the right move for Canada](https://www.payments.ca/mod-blog-long-live-batch-why-modernizing-aft-right-move-canada.md)
- [Mod Blog: Partnering with an industry research leader to promote risk management and efficiency in Lynx design](https://www.payments.ca/mod-blog-partnering-industry-research-leader-promote-risk-management-and-efficiency-lynx-design.md)
- [Mod Blog: Preparing Canada’s payments systems for the blockchain revolution, and why you should be paying attention](https://www.payments.ca/mod-blog-preparing-canadas-payments-systems-blockchain-revolution-and-why-you-should-be-paying.md)
- [Mod Blog: Solving for uncertainty and building more resilient payments systems](https://www.payments.ca/mod-blog-solving-uncertainty-and-building-more-resilient-payments-systems.md)
- [Mod Blog: The Formalities and Informalities of Risk](https://www.payments.ca/mod-blog-formalities-and-informalities-risk.md)
- [Mod Blog: The future is bright for mobile payments](https://www.payments.ca/mod-blog-future-bright-mobile-payments.md)
- [Modern payments for smaller businesses is simply good business, according to Square](https://www.payments.ca/modern-payments-smaller-businesses-simply-good-business-according-square.md)
- [Modernization in Motion: Payments Canada’s 2018 Annual Report](https://www.payments.ca/modernization-motion-payments-canadas-2018-annual-report.md)
- [Modernizing access to Canada’s retail batch payments system](https://www.payments.ca/modernizing-access-canadas-retail-batch-payments-system.md)
- [Modernizing batch payments: two-hour funds availability](https://www.payments.ca/modernizing-batch-payments-two-hour-funds-availability.md)
- [Modernizing Canada's Payment System requires a holistic approach](https://www.payments.ca/modernizing-canadas-payment-system-requires-holistic-approach.md)
- [Modernizing Canada’s payment infrastructure and safeguarding the economy through education, collaboration and innovation](https://www.payments.ca/modernizing-canadas-payment-infrastructure-and-safeguarding-economy-through-education-collaboration.md)
- [Moncton and Modernization go hand-in-hand](https://www.payments.ca/moncton-and-modernization-go-hand-hand.md)
- [More Canadians are sending international payments than ever before, reveals new Payments Canada study](https://www.payments.ca/more-canadians-are-sending-international-payments-ever-reveals-new-payments-canada-study.md)
- [More than 80% of Canadian small businesses want more payment options](https://www.payments.ca/more-80-canadian-small-businesses-want-more-payment-options.md)
- [Moving high-value payments safely and securely](https://www.payments.ca/moving-high-value-payments-safely-and-securely.md)
- [Moving money without borders](https://www.payments.ca/moving-money-without-borders.md)
- [National critical payment infrastructure: Canada’s economic backbone](https://www.payments.ca/national-critical-payment-infrastructure-canadas-economic-backbone.md)
- [Nearly half of Canadians interested in using biometric payment options](https://www.payments.ca/nearly-half-canadians-interested-using-biometric-payment-options.md)
- [New and returning members appointed to Payments Canada Board of Directors](https://www.payments.ca/new-and-returning-members-appointed-payments-canada-board-directors.md)
- [New appointees welcomed to Member Advisory Council](https://www.payments.ca/new-appointees-welcomed-member-advisory-council.md)
- [New best practices resource for Canadian wire transfers](https://www.payments.ca/new-best-practices-resource-canadian-wire-transfers.md)
- [New case study speaks to global payments provider’s ISO 20022 advances](https://www.payments.ca/new-case-study-speaks-global-payments-providers-iso-20022-advances.md)
- [New partnership with Beedie School of Business, at Simon Fraser University, brings tailored offering of The Business of Payments.](https://www.payments.ca/new-partnership-beedie-school-business-simon-fraser-university-brings-tailored-offering-business.md)
- [New Payments Canada discussion paper examines credit risk in the ACSS](https://www.payments.ca/new-payments-canada-discussion-paper-examines-credit-risk-acss.md)
- [New Payments Canada rule enables wider use of digital debit payments](https://www.payments.ca/new-payments-canada-rule-enables-wider-use-digital-debit-payments.md)
- [New peak volume day for the Large Value Transfer System](https://www.payments.ca/new-peak-volume-day-large-value-transfer-system.md)
- [New Report from Payments Canada, the Bank of Canada, TMX Group, Accenture and R3 Proves that Distributed Ledger Technology Can Enable Equity Settlement](https://www.payments.ca/new-report-payments-canada-bank-canada-tmx-group-accenture-and-r3-proves-distributed-ledger.md)
- [New research shows curiosity and investment potential are key drivers for Bitcoin acquisition](https://www.payments.ca/new-research-shows-curiosity-and-investment-potential-are-key-drivers-bitcoin-acquisition.md)
- [October is Cyber Security Awareness Month](https://www.payments.ca/october-cyber-security-awareness-month.md)
- [On the final day of The 2022 SUMMIT payment leaders rally behind a common goal — to make payments easier, smarter and faster for Canadians](https://www.payments.ca/final-day-2022-summit-payment-leaders-rally-behind-common-goal-make-payments-easier-smarter-and.md)
- [Onboarding your corporate clients to ISO 20022: pilot project underway](https://www.payments.ca/onboarding-your-corporate-clients-iso-20022-pilot-project-underway.md)
- [One in five Canadian businesses experienced payment fraud in the past six months – despite 63 per cent who feel confident in protecting their business against scams](https://www.payments.ca/one-five-canadian-businesses-experienced-payment-fraud-past-six-months-despite-63-cent-who-feel.md)
- [Online platforms and mobile apps frustrate Canadian gig workers when it comes to pay day, reveals new Payments Canada study](https://www.payments.ca/online-platforms-and-mobile-apps-frustrate-canadian-gig-workers-when-it-comes-pay-day-reveals-new.md)
- [Ontario government supports modern payments](https://www.payments.ca/ontario-government-supports-modern-payments.md)
- [Open banking and payment system modernization can help lower swipe fees](https://www.payments.ca/open-banking-and-payment-system-modernization-can-help-lower-swipe-fees.md)
- [Open banking for the common good?](https://www.payments.ca/open-banking-common-good.md)
- [Outsmarting payment fraudsters](https://www.payments.ca/outsmarting-payment-fraudsters.md)
- [Over one-third of Canadians open to new point-of-sale services to improve their payment experience ](https://www.payments.ca/over-one-third-canadians-open-new-point-sale-services-improve-their-payment-experience.md)
- [Overseeing a world-class payment system](https://www.payments.ca/overseeing-world-class-payment-system.md)
- [Oversight of National Retail Payments Systems – CPA Submission in Response to Finance Canada](https://www.payments.ca/oversight-national-retail-payments-systems-cpa-submission-response-finance-canada.md)
- [Pandemic sparks evolutionary year for payment landscape, reveals new Payments Canada report](https://www.payments.ca/pandemic-sparks-evolutionary-year-payment-landscape-reveals-new-payments-canada-report.md)
- [Panel participation by Payments Canada CEO Gerry Gaetz at Competition Bureau FinTech workshop](https://www.payments.ca/panel-participation-payments-canada-ceo-gerry-gaetz-competition-bureau-fintech-workshop.md)
- [Pay attention to payments](https://www.payments.ca/pay-attention-payments.md)
- [PayBright speaks to how faster, data-rich payments will change the buy now, pay later retail experience](https://www.payments.ca/paybright-speaks-how-faster-data-rich-payments-will-change-buy-now-pay-later-retail-experience.md)
- [Payment fraud in Canada: Key insights on the path to safer payments](https://www.payments.ca/payment-fraud-canada-key-insights-path-safer-payments.md)
- [Payment leaders discuss the impacts of new payment methods at The SUMMIT Series webinar](https://www.payments.ca/payment-leaders-discuss-impacts-new-payment-methods-summit-series-webinar.md)
- [Payments Canada announces board chair transition](https://www.payments.ca/payments-canada-announces-board-chair-transition.md)
- [Payments Canada announces Bruce Schneier, renowned cyber-security technologist, as the latest keynote speaker at Canada’s largest payments conference](https://www.payments.ca/payments-canada-announces-bruce-schneier-renowned-cyber-security-technologist-latest-keynote.md)
- [Payments Canada announces CEO transition](https://www.payments.ca/payments-canada-announces-ceo-transition.md)
- [Payments Canada announces Donna Kinoshita as new Chief Payments Officer](https://www.payments.ca/payments-canada-announces-donna-kinoshita-new-chief-payments-officer.md)
- [Payments Canada announces election of four board members](https://www.payments.ca/payments-canada-announces-election-four-board-members.md)
- [Payments Canada announces Executive Director of Modernization](https://www.payments.ca/payments-canada-announces-executive-director-modernization.md)
- [Payments Canada announces executive leadership promotions](https://www.payments.ca/payments-canada-announces-executive-leadership-promotions.md)
- [Payments Canada announces high-profile roster of industry leaders discussing the future of payments at the 2019 SUMMIT](https://www.payments.ca/payments-canada-announces-high-profile-roster-industry-leaders-discussing-future-payments-2019.md)
- [Payments Canada announces Jude Pinto as Chief Delivery Officer](https://www.payments.ca/payments-canada-announces-jude-pinto-chief-delivery-officer.md)
- [Payments Canada announces Kevan Cowan as board chair, AnneMarie Ryan as deputy chair and welcomes new and returning directors](https://www.payments.ca/payments-canada-announces-kevan-cowan-board-chair-annemarie-ryan-deputy-chair-and-welcomes-new-and.md)
- [Payments Canada announces new board members](https://www.payments.ca/payments-canada-announces-new-board-members.md)
- [Payments Canada announces new Senior Director, Payment Systems Operations](https://www.payments.ca/payments-canada-announces-new-senior-director-payment-systems-operations.md)
- [Payments Canada announces new Vice President, Finance and Procurement](https://www.payments.ca/payments-canada-announces-new-vice-president-finance-and-procurement.md)
- [Payments Canada announces new Vice President, Payment Products](https://www.payments.ca/payments-canada-announces-new-vice-president-payment-products.md)
- [Payments Canada announces new Vice President, Policy, Government Relations and Research](https://www.payments.ca/payments-canada-announces-new-vice-president-policy-government-relations-and-research.md)
- [Payments Canada announces new Vice President, Risk Management](https://www.payments.ca/payments-canada-announces-new-vice-president-risk-management.md)
- [Payments Canada announces Peoples Trust Company as new Direct Clearer on the Automated Clearing Settlement System](https://www.payments.ca/payments-canada-announces-peoples-trust-company-new-direct-clearer-automated-clearing-settlement.md)
- [Payments Canada announces The 2022 SUMMIT will return to Toronto](https://www.payments.ca/payments-canada-announces-2022-summit-will-return-toronto.md)
- [Payments Canada announces two Vice Presidents](https://www.payments.ca/payments-canada-announces-two-vice-presidents.md)
- [Payments Canada appoints Chief Product Officer to lead enterprise-wide product strategy](https://www.payments.ca/payments-canada-appoints-chief-product-officer-lead-enterprise-wide-product-strategy.md)
- [Payments Canada appoints new Chief External Relations Officer and Chief Legal Officer](https://www.payments.ca/payments-canada-appoints-new-chief-external-relations-officer-and-chief-legal-officer.md)
- [Payments Canada appoints Shawn Van Raay as Chief Information Officer](https://www.payments.ca/payments-canada-appoints-shawn-van-raay-chief-information-officer.md)
- [Payments Canada appoints Susan Hawkins as President and CEO](https://www.payments.ca/payments-canada-appoints-susan-hawkins-president-and-ceo.md)
- [Payments Canada appoints VP, RTR Operations to drive operational excellence](https://www.payments.ca/payments-canada-appoints-vp-rtr-operations-drive-operational-excellence.md)
- [Payments Canada begins webinar series to support public consultation on the Real-Time Rail legal framework](https://www.payments.ca/payments-canada-begins-webinar-series-support-public-consultation-real-time-rail-legal-framework.md)
- [Payments Canada Board Chair inducted into Women’s Executive Network Hall of Fame](https://www.payments.ca/payments-canada-board-chair-inducted-womens-executive-network-hall-fame.md)
- [Payments Canada Board Chair named one of Canada’s Most Powerful Women](https://www.payments.ca/payments-canada-board-chair-named-one-canadas-most-powerful-women.md)
- [Payments Canada calls for broader access to payment infrastructure in response to federal pre-budget consultation](https://www.payments.ca/payments-canada-calls-broader-access-payment-infrastructure-response-federal-pre-budget.md)
- [Payments Canada calls for expanded membership eligibility](https://www.payments.ca/payments-canada-calls-expanded-membership-eligibility.md)
- [Payments Canada closed in observance of National Day for Truth and Reconciliation on September 30](https://www.payments.ca/payments-canada-closed-observance-national-day-truth-and-reconciliation-september-30.md)
- [Payments Canada Concludes Consultation on Modernization Target State](https://www.payments.ca/payments-canada-concludes-consultation-modernization-target-state.md)
- [Payments Canada Concludes Consultation on Vision for Future Payments](https://www.payments.ca/payments-canada-concludes-consultation-vision-future-payments.md)
- [Payments Canada concludes the Real-Time Rail webinars with session on fraud management](https://www.payments.ca/payments-canada-concludes-real-time-rail-webinars-session-fraud-management.md)
- [Payments Canada continues to advocate for modern payment legislation](https://www.payments.ca/payments-canada-continues-advocate-modern-payment-legislation.md)
- [Payments Canada declares support for HVPS+ ISO 20022 Payments Interoperability Charter](https://www.payments.ca/payments-canada-declares-support-hvps-iso-20022-payments-interoperability-charter.md)
- [Payments Canada delivers feedback on the Competition Bureau’s Fintech Study](https://www.payments.ca/payments-canada-delivers-feedback-competition-bureaus-fintech-study.md)
- [Payments Canada Elects Four New Board Directors](https://www.payments.ca/payments-canada-elects-four-new-board-directors.md)
- [Payments Canada elects four to Board of Directors](https://www.payments.ca/payments-canada-elects-four-board-directors.md)
- [Payments Canada honours outgoing board chair, Eileen Mercier](https://www.payments.ca/payments-canada-honours-outgoing-board-chair-eileen-mercier.md)
- [Payments Canada hosts Real-Time Rail webinar on recourse and compliance](https://www.payments.ca/payments-canada-hosts-real-time-rail-webinar-recourse-and-compliance.md)
- [Payments Canada hosts webinar on the Real-Time Rail’s access and participation options](https://www.payments.ca/payments-canada-hosts-webinar-real-time-rails-access-and-participation-options.md)
- [Payments Canada in the field: Upcoming industry events](https://www.payments.ca/payments-canada-field-upcoming-industry-events.md)
- [Payments Canada in the field: upcoming industry events (April - May)](https://www.payments.ca/payments-canada-field-upcoming-industry-events-april-may.md)
- [Payments Canada in the field: Upcoming industry events (November - December)](https://www.payments.ca/payments-canada-field-upcoming-industry-events-november-december.md)
- [Payments Canada initiates procurement of Canada’s new Core Clearing and Settlement System, Lynx](https://www.payments.ca/payments-canada-initiates-procurement-canadas-new-core-clearing-and-settlement-system-lynx.md)
- [Payments Canada introduces data-rich messages to  high-value payments in Canada with Lynx Release Two](https://www.payments.ca/payments-canada-introduces-data-rich-messages-high-value-payments-canada-lynx-release-two.md)
- [Payments Canada introduces new chair and vice-chair to its Stakeholder Advisory Council](https://www.payments.ca/payments-canada-introduces-new-chair-and-vice-chair-its-stakeholder-advisory-council.md)
- [Payments Canada joins the Financial Data Exchange Canada](https://www.payments.ca/payments-canada-joins-financial-data-exchange-canada.md)
- [Payments Canada launches API developer portal](https://www.payments.ca/payments-canada-launches-api-developer-portal.md)
- [Payments Canada launches Central Bank Digital Currency series](https://www.payments.ca/payments-canada-launches-central-bank-digital-currency-series.md)
- [Payments Canada launches consultation on proposed changes to improve bill payments](https://www.payments.ca/payments-canada-launches-consultation-proposed-changes-improve-bill-payments.md)
- [Payments Canada launches Lynx, Canada’s new high-value payment system](https://www.payments.ca/payments-canada-launches-lynx-canadas-new-high-value-payment-system.md)
- [Payments Canada launches new payments file validation service to ease ISO 20022 on-boarding](https://www.payments.ca/payments-canada-launches-new-payments-file-validation-service-ease-iso-20022-boarding.md)
- [Payments Canada launches new research under Project Jasper](https://www.payments.ca/payments-canada-launches-new-research-under-project-jasper.md)
- [Payments Canada launches public consultation on membership expansion](https://www.payments.ca/payments-canada-launches-public-consultation-membership-expansion.md)
- [Payments Canada launches webinar series to support public consultation on the Real-Time Rail legal framework](https://www.payments.ca/payments-canada-launches-webinar-series-support-public-consultation-real-time-rail-legal-framework.md)
- [Payments Canada looks inwards to examine the ROI of ISO 20022 adoption](https://www.payments.ca/payments-canada-looks-inwards-examine-roi-iso-20022-adoption.md)
- [Payments Canada makes submission to Competition Bureau study](https://www.payments.ca/payments-canada-makes-submission-competition-bureau-study.md)
- [Payments Canada membership expansion: Providing better payment services for Canadians](https://www.payments.ca/payments-canada-membership-expansion-providing-better-payment-services-canadians.md)
- [Payments Canada names Andrew McCormack Vice President, Payments & Technology](https://www.payments.ca/payments-canada-names-andrew-mccormack-vice-president-payments-technology.md)
- [Payments Canada names Cyrielle Chiron as Chief Strategy Officer](https://www.payments.ca/payments-canada-names-cyrielle-chiron-chief-strategy-officer.md)
- [Payments Canada names Garry Foster new board chair](https://www.payments.ca/payments-canada-names-garry-foster-new-board-chair.md)
- [Payments Canada names Kristina Logue as Chief Financial Officer](https://www.payments.ca/payments-canada-names-kristina-logue-chief-financial-officer.md)
- [Payments Canada names Patrick Boudreau as Vice President, Fraud and Financial Crimes](https://www.payments.ca/payments-canada-names-patrick-boudreau-vice-president-fraud-and-financial-crimes.md)
- [Payments Canada names Stephan Orzechowski as Vice President, Strategic Partnerships and Business Transformation](https://www.payments.ca/payments-canada-names-stephan-orzechowski-vice-president-strategic-partnerships-and-business.md)
- [Payments Canada partners with SWIFT to examine the benefits of ISO 20022](https://www.payments.ca/payments-canada-partners-swift-examine-benefits-iso-20022.md)
- [Payments Canada prepares for lively discussion at The 2019 SUMMIT](https://www.payments.ca/payments-canada-prepares-lively-discussion-2019-summit.md)
- [Payments Canada prepares payment service providers for Real-Time Rail participation with new guide](https://www.payments.ca/payments-canada-prepares-payment-service-providers-real-time-rail-participation-new-guide.md)
- [Payments Canada provides input on the Competition Act](https://www.payments.ca/payments-canada-provides-input-competition-act.md)
- [Payments Canada publishes 2021 Delivery Roadmap](https://www.payments.ca/payments-canada-publishes-2021-delivery-roadmap.md)
- [Payments Canada publishes Cyber Resilience Strategy](https://www.payments.ca/payments-canada-publishes-cyber-resilience-strategy.md)
- [Payments Canada publishes ISO 20022 messages for Lynx, Canada’s new high-value payments system](https://www.payments.ca/payments-canada-publishes-iso-20022-messages-lynx-canadas-new-high-value-payments-system.md)
- [Payments Canada publishes Lynx ISO 20022 corporate to bank message guidelines](https://www.payments.ca/payments-canada-publishes-lynx-iso-20022-corporate-bank-message-guidelines.md)
- [Payments Canada publishes Modernization Delivery Roadmap 2018 update](https://www.payments.ca/payments-canada-publishes-modernization-delivery-roadmap-2018-update.md)
- [Payments Canada publishes Modernization Delivery Roadmap 2019](https://www.payments.ca/payments-canada-publishes-modernization-delivery-roadmap-2019.md)
- [Payments Canada publishes Modernization Delivery Roadmap 2020](https://www.payments.ca/payments-canada-publishes-modernization-delivery-roadmap-2020.md)
- [Payments Canada releases 2022 to 2026 Corporate Plan](https://www.payments.ca/payments-canada-releases-2022-2026-corporate-plan.md)
- [Payments Canada releases detailed future view of Canadian payments](https://www.payments.ca/payments-canada-releases-detailed-future-view-canadian-payments.md)
- [Payments Canada responds to consultation on financial sector competition](https://www.payments.ca/payments-canada-responds-consultation-financial-sector-competition.md)
- [Payments Canada responds to proposed Retail Payment Activities Act regulations](https://www.payments.ca/payments-canada-responds-proposed-retail-payment-activities-act-regulations.md)
- [Payments Canada responds to the Department of Finance Canada’s consultation on the Review of the Canadian Payments Act](https://www.payments.ca/payments-canada-responds-department-finance-canadas-consultation-review-canadian-payments-act.md)
- [Payments Canada response to the Department of Finance Canada's consultation - A New Retail Payments Oversight Framework](https://www.payments.ca/payments-canada-response-department-finance-canadas-consultation-new-retail-payments-oversight.md)
- [Payments Canada response to the Department of Finance Canada's consultation - A Review into the Merits of Open Banking](https://www.payments.ca/payments-canada-response-department-finance-canadas-consultation-review-merits-open-banking.md)
- [Payments Canada seeks feedback on policy proposals for Canada’s new high-value payments system](https://www.payments.ca/payments-canada-seeks-feedback-policy-proposals-canadas-new-high-value-payments-system.md)
- [Payments Canada seeks feedback on policy proposals for Canada’s Real-Time Rail](https://www.payments.ca/payments-canada-seeks-feedback-policy-proposals-canadas-real-time-rail.md)
- [Payments Canada seeks feedback on proposals to broaden access to Canada's retail batch payments system](https://www.payments.ca/payments-canada-seeks-feedback-proposals-broaden-access-canadas-retail-batch-payments-system.md)
- [Payments Canada seeks feedback on proposed changes to Pre-Authorized Debit (PAD) framework](https://www.payments.ca/payments-canada-seeks-feedback-proposed-changes-pre-authorized-debit-pad-framework.md)
- [Payments Canada seeks nominations for 2020 Stakeholder Advisory Council membership](https://www.payments.ca/payments-canada-seeks-nominations-2020-stakeholder-advisory-council-membership.md)
- [Payments Canada seeks nominations for 2021 Stakeholder Advisory Council membership](https://www.payments.ca/payments-canada-seeks-nominations-2021-stakeholder-advisory-council-membership.md)
- [Payments Canada Selects Accenture to Support Industry-Wide Modernization Program](https://www.payments.ca/payments-canada-selects-accenture-support-industry-wide-modernization-program.md)
- [Payments Canada selects Interac Corp. as the exchange solution provider for Canada’s new real-time payments system, the Real-Time Rail](https://www.payments.ca/payments-canada-selects-interac-corp-exchange-solution-provider-canadas-new-real-time-payments.md)
- [Payments Canada selects Mastercard’s Vocalink as the clearing and settlement solution provider for Canada’s new real-time payments system, the Real-Time Rail](https://www.payments.ca/payments-canada-selects-mastercards-vocalink-clearing-and-settlement-solution-provider-canadas-new.md)
- [Payments Canada selects SIA as the application provider for Canada’s new high-value payments system, Lynx](https://www.payments.ca/payments-canada-selects-sia-application-provider-canadas-new-high-value-payments-system-lynx.md)
- [Payments Canada selects TCS as the integration lead for the Real-Time Rail, Canada’s real-time payment system](https://www.payments.ca/payments-canada-selects-tcs-integration-lead-real-time-rail-canadas-real-time-payment-system.md)
- [Payments Canada strengthens technology leadership to drive innovation and resilience](https://www.payments.ca/payments-canada-strengthens-technology-leadership-drive-innovation-and-resilience.md)
- [Payments Canada strengthens the resilience of Lynx, Canada's high-value payment system with additional data centre](https://www.payments.ca/payments-canada-strengthens-resilience-lynx-canadas-high-value-payment-system-additional-data.md)
- [Payments Canada supports ISO 20022 harmonization for enhanced cross-border payments](https://www.payments.ca/payments-canada-supports-iso-20022-harmonization-enhanced-cross-border-payments.md)
- [Payments Canada systems and operations business as usual on September 19, 2022](https://www.payments.ca/payments-canada-systems-and-operations-business-usual-september-19-2022.md)
- [Payments Canada update on Real-Time Rail (RTR)](https://www.payments.ca/payments-canada-update-real-time-rail-rtr.md)
- [Payments Canada welcomes Adyen Canada Ltd. as its newest member](https://www.payments.ca/payments-canada-welcomes-adyen-canada-ltd-its-newest-member.md)
- [Payments Canada welcomes David Chance as chair of the Stakeholder Advisory Council](https://www.payments.ca/payments-canada-welcomes-david-chance-chair-stakeholder-advisory-council.md)
- [Payments Canada welcomes DoBusiness.com as payment service provider member](https://www.payments.ca/payments-canada-welcomes-dobusinesscom-payment-service-provider-member.md)
- [Payments Canada welcomes four new Directors to its Board](https://www.payments.ca/payments-canada-welcomes-four-new-directors-its-board.md)
- [Payments Canada welcomes four new members to its Stakeholder Advisory Council](https://www.payments.ca/payments-canada-welcomes-four-new-members-its-stakeholder-advisory-council.md)
- [Payments Canada welcomes inclusion of the Retail Payments Oversight Framework in 2021 federal budget](https://www.payments.ca/payments-canada-welcomes-inclusion-retail-payments-oversight-framework-2021-federal-budget.md)
- [Payments Canada welcomes its newest Stakeholder Advisory Council members](https://www.payments.ca/payments-canada-welcomes-its-newest-stakeholder-advisory-council-members.md)
- [Payments Canada welcomes Meridian as first new provincial credit union member](https://www.payments.ca/payments-canada-welcomes-meridian-first-new-provincial-credit-union-member.md)
- [Payments Canada welcomes Neo Financial as a new payment service provider member](https://www.payments.ca/payments-canada-welcomes-neo-financial-new-payment-service-provider-member.md)
- [Payments Canada welcomes new and returning Member Advisory Council (MAC) members](https://www.payments.ca/payments-canada-welcomes-new-and-returning-member-advisory-council-mac-members-0.md)
- [Payments Canada welcomes new and returning Member Advisory Council (MAC) members ](https://www.payments.ca/payments-canada-welcomes-new-and-returning-member-advisory-council-mac-members.md)
- [Payments Canada welcomes new and returning Member Advisory Council members](https://www.payments.ca/payments-canada-welcomes-new-and-returning-member-advisory-council-members.md)
- [Payments Canada welcomes new and returning Stakeholder Advisory Council members](https://www.payments.ca/payments-canada-welcomes-new-and-returning-stakeholder-advisory-council-members.md)
- [Payments Canada welcomes new and returning Stakeholder Advisory Council members](https://www.payments.ca/payments-canada-welcomes-new-and-returning-stakeholder-advisory-council-members-0.md)
- [Payments Canada welcomes new and returning Stakeholder Advisory Council members](https://www.payments.ca/payments-canada-welcomes-new-and-returning-stakeholder-advisory-council-members-1.md)
- [Payments Canada welcomes new appointees to 2021 Member Advisory Council](https://www.payments.ca/payments-canada-welcomes-new-appointees-2021-member-advisory-council.md)
- [Payments Canada welcomes new appointees to its advisory councils](https://www.payments.ca/payments-canada-welcomes-new-appointees-its-advisory-councils.md)
- [Payments Canada welcomes new board member](https://www.payments.ca/payments-canada-welcomes-new-board-member.md)
- [Payments Canada welcomes new board members](https://www.payments.ca/payments-canada-welcomes-new-board-members.md)
- [Payments Canada welcomes new Member Advisory Council and Stakeholder Advisory Council appointees](https://www.payments.ca/payments-canada-welcomes-new-member-advisory-council-and-stakeholder-advisory-council-appointees.md)
- [Payments Canada welcomes new Member Advisory Council chair](https://www.payments.ca/payments-canada-welcomes-new-member-advisory-council-chair.md)
- [Payments Canada welcomes new member to its Board of Directors](https://www.payments.ca/payments-canada-welcomes-new-member-its-board-directors.md)
- [Payments Canada welcomes new members as membership growth accelerates](https://www.payments.ca/payments-canada-welcomes-new-members-membership-growth-accelerates.md)
- [Payments Canada welcomes new Stakeholder Advisory Council chair](https://www.payments.ca/payments-canada-welcomes-new-stakeholder-advisory-council-chair.md)
- [Payments Canada welcomes nominations for 2020 Member Advisory Council membership](https://www.payments.ca/payments-canada-welcomes-nominations-2020-member-advisory-council-membership.md)
- [Payments Canada welcomes nominations for 2021 Member Advisory Council](https://www.payments.ca/payments-canada-welcomes-nominations-2021-member-advisory-council.md)
- [Payments Canada welcomes payment service provider members](https://www.payments.ca/payments-canada-welcomes-payment-service-provider-members.md)
- [Payments Canada welcomes returning Member Advisory Council members](https://www.payments.ca/payments-canada-welcomes-returning-member-advisory-council-members.md)
- [Payments Canada welcomes six new members as expanded membership eligibility reaches one-year milestone](https://www.payments.ca/payments-canada-welcomes-six-new-members-expanded-membership-eligibility-reaches-one-year-milestone.md)
- [Payments Canada welcomes Telus, Canada Revenue Agency, WestJet and Prosper Canada to Stakeholder Advisory Council](https://www.payments.ca/payments-canada-welcomes-telus-canada-revenue-agency-westjet-and-prosper-canada-stakeholder.md)
- [Payments Canada welcomes Tru Cooperative Bank as newest member](https://www.payments.ca/payments-canada-welcomes-tru-cooperative-bank-newest-member.md)
- [Payments Canada welcomes two new board members](https://www.payments.ca/payments-canada-welcomes-two-new-board-members.md)
- [Payments Canada wins 2020 Employer Excellence Award](https://www.payments.ca/payments-canada-wins-2020-employer-excellence-award.md)
- [Payments Canada, Bank of Canada and TMX Group announce integrated securities and payment platform as next phase of Project Jasper](https://www.payments.ca/payments-canada-bank-canada-and-tmx-group-announce-integrated-securities-and-payment-platform-next.md)
- [Payments Canada, Bank of Canada Research Highlights Global Trend Towards Faster Payments](https://www.payments.ca/payments-canada-bank-canada-research-highlights-global-trend-towards-faster-payments.md)
- [Payments Canada, the Bank of Canada, TMX Group, Accenture and R3 Demonstrate Feasibility of Instantaneous Equity Settlement through Distributed Ledger Technology](https://www.payments.ca/payments-canada-bank-canada-tmx-group-accenture-and-r3-demonstrate-feasibility-instantaneous-equity.md)
- [Payments Canada's 2017 Annual Report: Ushering in a New Era of Payments is Now Available ](https://www.payments.ca/payments-canadas-2017-annual-report-ushering-new-era-payments-now-available.md)
- [Payments Canada's 2021 annual report now available](https://www.payments.ca/payments-canadas-2021-annual-report-now-available.md)
- [Payments Canada's latest rule updates streamline operations and global alignment](https://www.payments.ca/payments-canadas-latest-rule-updates-streamline-operations-and-global-alignment.md)
- [Payments Canada’s  pre-budget submission calls for continued collaboration](https://www.payments.ca/payments-canadas-pre-budget-submission-calls-continued-collaboration.md)
- [Payments Canada’s 2019 Annual Report: Delivering Payments Modernization. Together.](https://www.payments.ca/payments-canadas-2019-annual-report-delivering-payments-modernization-together.md)
- [Payments Canada’s 2020-2024 corporate plan is now available](https://www.payments.ca/payments-canadas-2020-2024-corporate-plan-now-available.md)
- [Payments Canada’s 2022 annual report now available](https://www.payments.ca/payments-canadas-2022-annual-report-now-available.md)
- [Payments Canada’s public consultation shows support for real-time payment system](https://www.payments.ca/payments-canadas-public-consultation-shows-support-real-time-payment-system.md)
- [Payments Canada’s response to the Office of the Privacy Commissioner of Canada’s consultation on transfers for processing](https://www.payments.ca/payments-canadas-response-office-privacy-commissioner-canadas-consultation-transfers-processing.md)
- [Payments challenges and opportunities](https://www.payments.ca/payments-challenges-and-opportunities.md)
- [Payments challenges and opportunities](https://www.payments.ca/payments-challenges-and-opportunities-0.md)
- [Payments industry bringing faster, more convenient batch payments to Canadian businesses](https://www.payments.ca/payments-industry-bringing-faster-more-convenient-batch-payments-canadian-businesses.md)
- [Payments industry delivers next milestone on Modernization journey: faster, more convenient and flexible batch payments across all time zones](https://www.payments.ca/payments-industry-delivers-next-milestone-modernization-journey-faster-more-convenient-and-flexible.md)
- [Payments modernization could save businesses billions](https://www.payments.ca/payments-modernization-could-save-businesses-billions.md)
- [Payments SUMMIT Hosts Canada’s Top Payments, FinTech and Business Leaders to Talk Data, Modernization and Innovation](https://www.payments.ca/payments-summit-hosts-canadas-top-payments-fintech-and-business-leaders-talk-data-modernization-and.md)
- [PayPal welcomes new real-time payments capability in Canada](https://www.payments.ca/paypal-welcomes-new-real-time-payments-capability-canada.md)
- [Peoples Trust Company to become new direct clearer on Payments Canada’s ACSS](https://www.payments.ca/peoples-trust-company-become-new-direct-clearer-payments-canadas-acss.md)
- [Peter Dodic joins Payments Canada’s Executive Leadership Team](https://www.payments.ca/peter-dodic-joins-payments-canadas-executive-leadership-team.md)
- [Pilot project underway: leveraging APIs to enable real-time updates to the Financial Institutions File](https://www.payments.ca/pilot-project-underway-leveraging-apis-enable-real-time-updates-financial-institutions-file.md)
- [Possibilities powered by payments: The Idea Exchange at The 2026 Payments Canada SUMMIT](https://www.payments.ca/possibilities-powered-payments-idea-exchange-2026-payments-canada-summit.md)
- [Powering economic prosperity through payments: Highlights from day one of The 2026 Payments Canada SUMMIT](https://www.payments.ca/powering-economic-prosperity-through-payments-highlights-day-one-2026-payments-canada-summit.md)
- [President & CEO of LoyaltyOne Co. – parent company of The AIR MILES Reward Program – to headline Payments Canada SUMMIT in Toronto](https://www.payments.ca/president-ceo-loyaltyone-co-parent-company-air-miles-reward-program-headline-payments-canada-summit.md)
- [Productivity, prosperity and safety: Advancing Canada’s economic priorities through payment policy](https://www.payments.ca/productivity-prosperity-and-safety-advancing-canadas-economic-priorities-through-payment-policy.md)
- [Proposed Criteria and Risk-management Standards for Prominent Payment Systems – CPA submission in response to the Bank of Canada](https://www.payments.ca/proposed-criteria-and-risk-management-standards-prominent-payment-systems-cpa-submission-response.md)
- [Proposed new rule to enhance digital payments: Payments Canada seeks feedback on increase debit card acceptance](https://www.payments.ca/proposed-new-rule-enhance-digital-payments-payments-canada-seeks-feedback-increase-debit-card.md)
- [Prospera Credit Union on how small business members will benefit from payments Modernization](https://www.payments.ca/prospera-credit-union-how-small-business-members-will-benefit-payments-modernization.md)
- [Protecting yourself by knowing the ins and outs of automatic withdrawals from your bank account](https://www.payments.ca/protecting-yourself-knowing-ins-and-outs-automatic-withdrawals-your-bank-account.md)
- [Public consultation on the Real-Time Rail legal framework now open](https://www.payments.ca/public-consultation-real-time-rail-legal-framework-now-open.md)
- [Public consultation supports proposed improvements to bill payment framework](https://www.payments.ca/public-consultation-supports-proposed-improvements-bill-payment-framework.md)
- [Public Services and Procurement Canada examines the benefits of a real-time rail for the Government of Canada’s payment processes](https://www.payments.ca/public-services-and-procurement-canada-examines-benefits-real-time-rail-government-canadas-payment.md)
- [Public-Private Sector Digital Currency Experiment Releases Results of Phase II](https://www.payments.ca/public-private-sector-digital-currency-experiment-releases-results-phase-ii.md)
- [Putting partnership into action to bring Lynx to life](https://www.payments.ca/putting-partnership-action-bring-lynx-life.md)
- [Q and A with Shakepay: Efficiency, access and choice](https://www.payments.ca/q-and-shakepay-efficiency-access-and-choice.md)
- [Q1 2023 Delivery Roadmap update](https://www.payments.ca/q1-2023-delivery-roadmap-update.md)
- [Q2 2023 Delivery Roadmap update](https://www.payments.ca/q2-2023-delivery-roadmap-update.md)
- [Q2 Delivery Roadmap update](https://www.payments.ca/q2-delivery-roadmap-update.md)
- [Q3 2023 Delivery Roadmap update ](https://www.payments.ca/q3-2023-delivery-roadmap-update.md)
- [Q3 Delivery Roadmap update](https://www.payments.ca/q3-delivery-roadmap-update.md)
- [Q4 2023 Delivery Roadmap update](https://www.payments.ca/q4-2023-delivery-roadmap-update.md)
- [Q4 Delivery Roadmap update](https://www.payments.ca/q4-delivery-roadmap-update.md)
- [QR code-enabled payments in Canada](https://www.payments.ca/qr-code-enabled-payments-canada.md)
- [Quantifying the economic benefits of payment modernization: the case of the large-value payment system](https://www.payments.ca/quantifying-economic-benefits-payment-modernization-case-large-value-payment-system.md)
- [Real time, real possibilities: 60 per cent of Canadian businesses ready to adopt real-time payments](https://www.payments.ca/real-time-real-possibilities-60-cent-canadian-businesses-ready-adopt-real-time-payments.md)
- [Real-Time Rail public consultation reconfirms strong industry support for Canadian real-time payment system](https://www.payments.ca/real-time-rail-public-consultation-reconfirms-strong-industry-support-canadian-real-time-payment.md)
- [Recording now available: Minister of Finance and National Revenue on Canada as a "lighthouse" for economic stability at The Payments Canada SUMMIT](https://www.payments.ca/recording-now-available-minister-finance-and-national-revenue-canada-lighthouse-economic-stability.md)
- [Reminder: Payments Canada is Seeking Feedback on the Industry Roadmap & High-Level Plan](https://www.payments.ca/reminder-payments-canada-seeking-feedback-industry-roadmap-high-level-plan.md)
- [Reminder: Payments Canada is seeking feedback on the Modernization Target State](https://www.payments.ca/reminder-payments-canada-seeking-feedback-modernization-target-state.md)
- [Reminder: The CPA Seeking Feedback on the Vision for the Canadian Payments Ecosystem](https://www.payments.ca/reminder-cpa-seeking-feedback-vision-canadian-payments-ecosystem.md)
- [Retail considerations explored in latest installment of Central Bank Digital Currency (CBDC) series](https://www.payments.ca/retail-considerations-explored-latest-installment-central-bank-digital-currency-cbdc-series.md)
- [Retail Payment Activities Act regulations finalized](https://www.payments.ca/retail-payment-activities-act-regulations-finalized.md)
- [Retail payment trends to keep an eye on this holiday season](https://www.payments.ca/retail-payment-trends-keep-eye-holiday-season.md)
- [Roadmap for modern payments](https://www.payments.ca/roadmap-modern-payments.md)
- [Rule amendments improve clarity, operational processes and alignment with existing standards](https://www.payments.ca/rule-amendments-improve-clarity-operational-processes-and-alignment-existing-standards.md)
- [Rule amendments support expanded membership and access to critical national infrastructure](https://www.payments.ca/rule-amendments-support-expanded-membership-and-access-critical-national-infrastructure.md)
- [Rules and by-law amendments strengthen contingency planning and resilience testing](https://www.payments.ca/rules-and-law-amendments-strengthen-contingency-planning-and-resilience-testing.md)
- [Rules for the Automated Clearing and Settlement System (ACSS) updated, effective April 28, 2025](https://www.payments.ca/rules-automated-clearing-and-settlement-system-acss-updated-effective-april-28-2025.md)
- [Scotiabank prepares for Lynx, Canada’s new high-value payments system](https://www.payments.ca/scotiabank-prepares-lynx-canadas-new-high-value-payments-system.md)
- [Scotiabank prepares for Lynx, Canada’s new high-value payments system](https://www.payments.ca/scotiabank-prepares-lynx-canadas-new-high-value-payments-system-0.md)
- [Scotiabank’s Dougal Middleton on bringing payments Modernization to light in Canada](https://www.payments.ca/scotiabanks-dougal-middleton-bringing-payments-modernization-light-canada.md)
- [SecureKey: Collaboration Fundamental to Digital ID Conversion](https://www.payments.ca/securekey-collaboration-fundamental-digital-id-conversion.md)
- [See something, say something: How vigilance is the best defence against cyberattacks](https://www.payments.ca/see-something-say-something-how-vigilance-best-defence-against-cyberattacks.md)
- [Shaping a more inclusive financial future](https://www.payments.ca/shaping-more-inclusive-financial-future.md)
- [Shopify Weighs-in on Payments Modernization](https://www.payments.ca/shopify-weighs-payments-modernization.md)
- [Silicon Valley heading to Calgary for Canada's 1st Fintech Cup Startup Challenge](https://www.payments.ca/silicon-valley-heading-calgary-canadas-1st-fintech-cup-startup-challenge.md)
- [Single day LVTS records soar as COVID-19 pandemic progresses](https://www.payments.ca/single-day-lvts-records-soar-covid-19-pandemic-progresses.md)
- [Small business in Canada: the benefits of combining faster payments with payments data](https://www.payments.ca/small-business-canada-benefits-combining-faster-payments-payments-data.md)
- [Small business payment challenges and opportunities: An interview with CFIB](https://www.payments.ca/small-business-payment-challenges-and-opportunities-interview-cfib.md)
- [SMEs concerned with economic future, look to faster payments to improve efficiencies](https://www.payments.ca/smes-concerned-economic-future-look-faster-payments-improve-efficiencies.md)
- [Spam Emails & Phishing Notice](https://www.payments.ca/spam-emails-phishing-notice.md)
- [Speaker Spotlight: Joni Brennan, President of the Digital ID & Authentication Council of Canada (DIACC)](https://www.payments.ca/speaker-spotlight-joni-brennan-president-digital-id-authentication-council-canada-diacc.md)
- [Specialty retailer looks to enhance its cash management capabilities and streamline its finance and treasury activities with data-rich payments](https://www.payments.ca/specialty-retailer-looks-enhance-its-cash-management-capabilities-and-streamline-its-finance-and.md)
- [Speech: Closing remarks from The 2025 Payments Canada SUMMIT](https://www.payments.ca/speech-closing-remarks-2025-payments-canada-summit.md)
- [Speech: Collaborating toward a shared vision](https://www.payments.ca/speech-collaborating-toward-shared-vision.md)
- [Speech: Day Two opening remarks from The Payments Canada SUMMIT](https://www.payments.ca/speech-day-two-opening-remarks-payments-canada-summit.md)
- [Speech: Kristina Logue receives Women in Payments Inspiration Award](https://www.payments.ca/speech-kristina-logue-receives-women-payments-inspiration-award.md)
- [Speech: Opening remarks from The 2024 Payments Canada SUMMIT ](https://www.payments.ca/speech-opening-remarks-2024-payments-canada-summit.md)
- [Speech: Opening remarks from The 2025 Payments Canada SUMMIT](https://www.payments.ca/speech-opening-remarks-2025-payments-canada-summit.md)
- [Speech: Opening remarks from The 2026 Payments Canada SUMMIT](https://www.payments.ca/speech-opening-remarks-2026-payments-canada-summit.md)
- [Speech: Payments for Canada](https://www.payments.ca/speech-payments-canada.md)
- [Speech: Remarks from the House of Commons Standing Committee on Industry and Technology (INDU)](https://www.payments.ca/speech-remarks-house-commons-standing-committee-industry-and-technology-indu.md)
- [Speed Merchants: Clearing and settlement systems around the world becoming faster](https://www.payments.ca/speed-merchants-clearing-and-settlement-systems-around-world-becoming-faster.md)
- [Spring Economic Update includes measures to advance payment modernization](https://www.payments.ca/spring-economic-update-includes-measures-advance-payment-modernization.md)
- [Stakeholder survey and upcoming workshops: Have your say on the future of payments in Canada](https://www.payments.ca/stakeholder-survey-and-upcoming-workshops-have-your-say-future-payments-canada.md)
- [Steve Ledford from The Clearing House on launching Real-Time Payments - the U.S’s first payments system developed in the digital age](https://www.payments.ca/steve-ledford-clearing-house-launching-real-time-payments-uss-first-payments-system-developed.md)
- [Strengthening Canada's fight against fraud: Insights from the Canadian Bankers Association](https://www.payments.ca/strengthening-canadas-fight-against-fraud-insights-canadian-bankers-association.md)
- [Successful integration of AI-run processes: potential challenges and solutions](https://www.payments.ca/successful-integration-ai-run-processes-potential-challenges-and-solutions.md)
- [Sue Hutchison joins Payments Canada Executive Leadership Team](https://www.payments.ca/sue-hutchison-joins-payments-canada-executive-leadership-team.md)
- [Supporting a multi-sector approach to safeguard Canadians in the new era of payments](https://www.payments.ca/supporting-multi-sector-approach-safeguard-canadians-new-era-payments.md)
- [Supporting safe, efficient and reliable retail payments in Canada: A day in the life](https://www.payments.ca/supporting-safe-efficient-and-reliable-retail-payments-canada-day-life.md)
- [Surge in electronic payments – representing around 77 per cent of all transactions, reports Payments Canada](https://www.payments.ca/surge-electronic-payments-representing-around-77-cent-all-transactions-reports-payments-canada.md)
- [TD Readies for Payments Modernization](https://www.payments.ca/td-readies-payments-modernization.md)
- [Technology refresh of Canada’s retail batch payments system is now complete](https://www.payments.ca/technology-refresh-canadas-retail-batch-payments-system-now-complete.md)
- [Technology successfully deployed for Lynx Release Two](https://www.payments.ca/technology-successfully-deployed-lynx-release-two.md)
- [The 2022 Payments Canada SUMMIT shifts to a virtual event](https://www.payments.ca/2022-payments-canada-summit-shifts-virtual-event.md)
- [The 2022 SUMMIT Call for Speakers is now open](https://www.payments.ca/2022-summit-call-speakers-now-open.md)
- [The 2023 Payments Canada SUMMIT closes with a call to action to work as “one team, one payment ecosystem”](https://www.payments.ca/2023-payments-canada-summit-closes-call-action-work-one-team-one-payment-ecosystem.md)
- [The 2024 Payments Canada SUMMIT concludes with a shared vision: “Payments for Canada”](https://www.payments.ca/2024-payments-canada-summit-concludes-shared-vision-payments-canada.md)
- [The 2024 Payments Canada SUMMIT kicks off with excitement, energy and readiness to collectively navigate the evolving payment landscape](https://www.payments.ca/2024-payments-canada-summit-kicks-excitement-energy-and-readiness-collectively-navigate-evolving.md)
- [The 2025 Payments Canada SUMMIT closes with a deep dive into the future of payments](https://www.payments.ca/2025-payments-canada-summit-closes-deep-dive-future-payments.md)
- [The 2026 Payments Canada SUMMIT concludes, reinforcing Canada’s payment infrastructure as a foundation for national prosperity and innovation](https://www.payments.ca/2026-payments-canada-summit-concludes-reinforcing-canadas-payment-infrastructure-foundation.md)
- [The 2026 Payments Canada SUMMIT to convene payment leaders for discussions on strengthening Canada’s economic future](https://www.payments.ca/2026-payments-canada-summit-convene-payment-leaders-discussions-strengthening-canadas-economic.md)
- [The 2026 SUMMIT preliminary agenda is now live](https://www.payments.ca/2026-summit-preliminary-agenda-now-live.md)
- [The Bank of England on renewing RTGS and the impact of ISO 20022](https://www.payments.ca/bank-england-renewing-rtgs-and-impact-iso-20022.md)
- [The Business of Payments comes to Rotman School of Management this Spring](https://www.payments.ca/business-payments-comes-rotman-school-management-spring.md)
- [The changing payment landscape: What Canadian businesses need to know](https://www.payments.ca/changing-payment-landscape-what-canadian-businesses-need-know.md)
- [The currency of truth: Fighting fraud with facts](https://www.payments.ca/currency-truth-fighting-fraud-facts.md)
- [The current Canadian framework (Duplicate Items, part 3)](https://www.payments.ca/current-canadian-framework-duplicate-items-part-3.md)
- [The Director's Cut - Andre Lyver, Shopify](https://www.payments.ca/directors-cut-andre-lyver-shopify.md)
- [The Director's Cut - Janet Estep, NACHA](https://www.payments.ca/directors-cut-janet-estep-nacha.md)
- [The Director's Cut - Maher Arar, CEO, CauseSquare](https://www.payments.ca/directors-cut-maher-arar-ceo-causesquare.md)
- [The Director's Cut - Mike Hoganson, Director, Modernization, Lynx](https://www.payments.ca/directors-cut-mike-hoganson-director-modernization-lynx.md)
- [The Director's Cut - Sue Whitney, Head of Industry Relations](https://www.payments.ca/directors-cut-sue-whitney-head-industry-relations.md)
- [The Director's Cut - Vivek Bajaj, IBM](https://www.payments.ca/directors-cut-vivek-bajaj-ibm.md)
- [The Director's Cut: Making Strides on AFT Enhancements](https://www.payments.ca/directors-cut-making-strides-aft-enhancements.md)
- [The Director’s Cut: Featuring Amanda McKay, Modernization Program Director](https://www.payments.ca/directors-cut-featuring-amanda-mckay-modernization-program-director.md)
- [The drive for data in the insurance industry: Wawanesa Mutual Insurance awaiting benefits that ISO 20022 will bring](https://www.payments.ca/drive-data-insurance-industry-wawanesa-mutual-insurance-awaiting-benefits-iso-20022-will-bring.md)
- [The economic benefit of adopting the ISO 20022 payment message standard in Canada](https://www.payments.ca/economic-benefit-adopting-iso-20022-payment-message-standard-canada.md)
- [The future of payments has arrived at The 2021 SUMMIT ](https://www.payments.ca/future-payments-has-arrived-2021-summit.md)
- [The future of payments is bright; collaboration will make it brighter](https://www.payments.ca/future-payments-bright-collaboration-will-make-it-brighter.md)
- [The importance of collaboration and innovation in a digital era](https://www.payments.ca/importance-collaboration-and-innovation-digital-era.md)
- [The Lynx journey continues: a Q&A with RBC](https://www.payments.ca/lynx-journey-continues-qa-rbc.md)
- [The need for speed: How real-time payments are transforming global businesses](https://www.payments.ca/need-speed-how-real-time-payments-are-transforming-global-businesses.md)
- [The payment industry in Canada](https://www.payments.ca/payment-industry-canada.md)
- [The Payments Canada SUMMIT closes with an eye to the future “We are really moving now. You have made the vision a reality.”](https://www.payments.ca/payments-canada-summit-closes-eye-future-we-are-really-moving-now-you-have-made-vision-reality.md)
- [The Payments Panorama 2016 program is now available!](https://www.payments.ca/payments-panorama-2016-program-now-available.md)
- [The Real-Time Rail build is on track for completion in Q3 2025](https://www.payments.ca/real-time-rail-build-track-completion-q3-2025.md)
- [The Real-Time Rail quarterly update with Jude Pinto: 2024 Q4](https://www.payments.ca/real-time-rail-quarterly-update-jude-pinto-2024-q4.md)
- [The Real-Time Rail Quarterly Update with Jude Pinto: 2025 Q1](https://www.payments.ca/real-time-rail-quarterly-update-jude-pinto-2025-q1.md)
- [The Real-Time Rail Quarterly Update with Jude Pinto: 2025 Q2](https://www.payments.ca/real-time-rail-quarterly-update-jude-pinto-2025-q2.md)
- [The Real-Time Rail Quarterly Update with Jude Pinto: 2025 Q3](https://www.payments.ca/real-time-rail-quarterly-update-jude-pinto-2025-q3.md)
- [The Real-Time Rail Quarterly Update with Jude Pinto: 2025 Q4](https://www.payments.ca/real-time-rail-quarterly-update-jude-pinto-2025-q4.md)
- [The Real-Time Rail: Meeting Canada’s demand for real-time payments](https://www.payments.ca/real-time-rail-meeting-canadas-demand-real-time-payments.md)
- [The Real-Time Rail: Where are we now?](https://www.payments.ca/real-time-rail-where-are-we-now.md)
- [The Retail Payment Activities Act and what it means for retail payments](https://www.payments.ca/retail-payment-activities-act-and-what-it-means-retail-payments.md)
- [The shift in payment trends through the COVID-19 pandemic](https://www.payments.ca/shift-payment-trends-through-covid-19-pandemic.md)
- [The SUMMIT day one recap: Canada's largest payments conference kicks off with a record number of attendees](https://www.payments.ca/summit-day-one-recap-canadas-largest-payments-conference-kicks-record-number-attendees.md)
- [The SUMMIT preliminary agenda is now live!](https://www.payments.ca/summit-preliminary-agenda-now-live.md)
- [The Summit session spotlight:  FinTechs: Taking a deep dive into the Canadian payments ecosystem](https://www.payments.ca/summit-session-spotlight-fintechs-taking-deep-dive-canadian-payments-ecosystem.md)
- [The Summit speaker spotlight Tasneem Ali, Director, Consumer Insights, Neilsen](https://www.payments.ca/summit-speaker-spotlight-tasneem-ali-director-consumer-insights-neilsen.md)
- [The Summit speaker spotlight:  Anatoly Kvitnitsky, VP of Growth, Trulioo](https://www.payments.ca/summit-speaker-spotlight-anatoly-kvitnitsky-vp-growth-trulioo.md)
- [The SUMMIT Speaker Spotlight:  Jeff Guthrie, Chief Sales Officer, Moneris](https://www.payments.ca/summit-speaker-spotlight-jeff-guthrie-chief-sales-officer-moneris.md)
- [The Summit Speaker Spotlight: Andy Dharmani, Chief Executive Officer, Flo2Cash Payments Cloud](https://www.payments.ca/summit-speaker-spotlight-andy-dharmani-chief-executive-officer-flo2cash-payments-cloud.md)
- [The SUMMIT speaker spotlight: Angela Brown, Moneris](https://www.payments.ca/summit-speaker-spotlight-angela-brown-moneris.md)
- [The Summit Speaker Spotlight: Bill Piggot, Vice President International Money Movement, ADP Canada Co](https://www.payments.ca/summit-speaker-spotlight-bill-piggot-vice-president-international-money-movement-adp-canada-co.md)
- [The SUMMIT Speaker Spotlight: Cyrielle Chiron, General Manager, North America and Latin America, RFi Group](https://www.payments.ca/summit-speaker-spotlight-cyrielle-chiron-general-manager-north-america-and-latin-america-rfi-group.md)
- [The SUMMIT speaker spotlight: Dave Birch, Consult Hyperion](https://www.payments.ca/summit-speaker-spotlight-dave-birch-consult-hyperion.md)
- [The Summit Speaker Spotlight: Firoz Patel, Global Executive Vice President, Payza](https://www.payments.ca/summit-speaker-spotlight-firoz-patel-global-executive-vice-president-payza.md)
- [The SUMMIT speaker spotlight: Kalyani Bhatia, SWIFT](https://www.payments.ca/summit-speaker-spotlight-kalyani-bhatia-swift.md)
- [The Summit speaker spotlight: Kris Hansen, Senior Principal, Financial Services, SAP Canada](https://www.payments.ca/summit-speaker-spotlight-kris-hansen-senior-principal-financial-services-sap-canada.md)
- [There's a rule (and reason) for that!](https://www.payments.ca/theres-rule-and-reason.md)
- [Tim Hortons' perspectives on the evolving Canadian retail payment landscape](https://www.payments.ca/tim-hortons-perspectives-evolving-canadian-retail-payment-landscape.md)
- [Time is running out! Have your say on the CPA’s ISO 20022 Payments Standard Initiative before September 30, 2015](https://www.payments.ca/time-running-out-have-your-say-cpas-iso-20022-payments-standard-initiative-september-30-2015.md)
- [To effectively combat payment fraud, we need to skate to where the puck is going](https://www.payments.ca/effectively-combat-payment-fraud-we-need-skate-where-puck-going.md)
- [Towards safer payments: Payments Canada's key points in response to Bank of Canada's consultation](https://www.payments.ca/towards-safer-payments-payments-canadas-key-points-response-bank-canadas-consultation.md)
- [Tracey Black joins Payments Canada Executive Team; Andrew McCormack named CIO](https://www.payments.ca/tracey-black-joins-payments-canada-executive-team-andrew-mccormack-named-cio.md)
- [Tracey Black to succeed Gerry Gaetz as President & CEO of Payments Canada](https://www.payments.ca/tracey-black-succeed-gerry-gaetz-president-ceo-payments-canada.md)
- [Transforming Canadian Payments: Payments Canada’s 2016 Annual Report now available](https://www.payments.ca/transforming-canadian-payments-payments-canadas-2016-annual-report-now-available.md)
- [Transforming ideas into action: Highlights from Day One of The 2025 Payments Canada SUMMIT](https://www.payments.ca/transforming-ideas-action-highlights-day-one-2025-payments-canada-summit.md)
- [Trusted, world-class payments for a prosperous Canada](https://www.payments.ca/trusted-world-class-payments-prosperous-canada.md)
- [Turning words into action on the journey to data rich payments with ISO 20022](https://www.payments.ca/turning-words-action-journey-data-rich-payments-iso-20022.md)
- [Two days left to catch Canada's top technologists, business leaders and influencers in payments at The 2019 SUMMIT](https://www.payments.ca/two-days-left-catch-canadas-top-technologists-business-leaders-and-influencers-payments-2019-summit.md)
- [Two days left to catch the best thinkers, visionaries and disruptors in payments at The 2023 Payments Canada SUMMIT](https://www.payments.ca/two-days-left-catch-best-thinkers-visionaries-and-disruptors-payments-2023-payments-canada-summit.md)
- [Unlocking innovation and growth: Why ETA supports broader access to Canada’s payment infrastructure](https://www.payments.ca/unlocking-innovation-and-growth-why-eta-supports-broader-access-canadas-payment-infrastructure.md)
- [Update on implementation timing of Lynx Release Two](https://www.payments.ca/update-implementation-timing-lynx-release-two.md)
- [Updated ISO 20022 Lynx message specifications now available](https://www.payments.ca/updated-iso-20022-lynx-message-specifications-now-available.md)
- [Updated Lynx ISO 20022 guidelines released](https://www.payments.ca/updated-lynx-iso-20022-guidelines-released.md)
- [Updated Lynx ISO 20022 message specifications now available for Release Two](https://www.payments.ca/updated-lynx-iso-20022-message-specifications-now-available-release-two.md)
- [Wealthsimple Q and A: Access, innovation and the future of payments in Canada](https://www.payments.ca/wealthsimple-q-and-access-innovation-and-future-payments-canada.md)
- [What can Bitcoin tell us about the future of retail payments with digital currencies? Insights from merchant use and perceptions.](https://www.payments.ca/what-can-bitcoin-tell-us-about-future-retail-payments-digital-currencies-insights-merchant-use-and.md)
- [What might need to change in the imaging environment? (Duplicate Items, Part 4)](https://www.payments.ca/what-might-need-change-imaging-environment-duplicate-items-part-4.md)
- [When it comes to building a modern payments system, equal access matters](https://www.payments.ca/when-it-comes-building-modern-payments-system-equal-access-matters.md)
- [Where the rubber hits the road: Real-world uses cases of real-time payments](https://www.payments.ca/where-rubber-hits-road-real-world-uses-cases-real-time-payments.md)
- [Why insurers should be preparing for payments Modernization: A perspective from the Canadian Life and Health Insurance Association](https://www.payments.ca/why-insurers-should-be-preparing-payments-modernization-perspective-canadian-life-and-health.md)
- [Wise: Modern payments regulations will support Canada’s economic recovery](https://www.payments.ca/wise-modern-payments-regulations-will-support-canadas-economic-recovery.md)
- [With more Canadians sending international payments than ever before, the need for ISO 20022 has never been greater](https://www.payments.ca/more-canadians-sending-international-payments-ever-need-iso-20022-has-never-been-greater.md)
- [Workshop Announcement and Call for Papers](https://www.payments.ca/workshop-announcement-and-call-papers.md)
- [Young Canadians driving adoption of buy now, pay later (BNPL) services](https://www.payments.ca/young-canadians-driving-adoption-buy-now-pay-later-bnpl-services.md)
- [Younger generations: a driving force in changing payments](https://www.payments.ca/younger-generations-driving-force-changing-payments.md)

## Page
- [2023–2025 Accessibility Plan](https://www.payments.ca/2023-2025-accessibility-plan.md)
- [About the Real-Time Rail](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/about-real-time-rail.md)
- [Access](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/access.md)
- [Accessibility](https://www.payments.ca/accessibility.md)
- [Annual conference](https://www.payments.ca/connect/annual-conference.md)
- [APIs](https://www.payments.ca/systems-services/payment-services/apis.md)
- [Automatic funds transfer](https://www.payments.ca/payment-resources/iso-20022/automatic-funds-transfer.md)
- [bio teaser](https://www.payments.ca/bio-teaser.md)
- [Board of Directors](https://www.payments.ca/about/governance-risk/board-directors.md)
- [breadcrumb](https://www.payments.ca/breadcrumb.md)
- [Breadcrumb 2](https://www.payments.ca/breadcrumb-2.md)
- [Business as usual](https://www.payments.ca/business-usual.md)
- [Business guides](https://www.payments.ca/payment-resources/support-guides/business-guides.md)
- [buttons!](https://www.payments.ca/buttons.md)
- [Call for Nominations](https://www.payments.ca/call-nominations-mac.md)
- [Call for Nominations](https://www.payments.ca/call-nominations-sac.md)
- [Cheque printer guide](https://www.payments.ca/payment-resources/support-guides/cheque-printer-guide.md)
- [Clone of Payments Canada Accessibility Plan Progress Report 2024–2025](https://www.payments.ca/clone-payments-canada-accessibility-plan-progress-report-2024-2025.md)
- [Consumer guides](https://www.payments.ca/payment-resources/support-guides/consumer-guides.md)
- [Contact](https://www.payments.ca/connect/contact.md)
- [Corporate creditor identification number database](https://www.payments.ca/systems-services/payment-services/corporate-creditor-identification-number-database.md)
- [Corporate reports](https://www.payments.ca/insights/corporate-reports.md)
- [Culture](https://www.payments.ca/connect/careers/culture.md)
- [Delivery partners](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/delivery-partners.md)
- [Direct deposit](https://www.payments.ca/payment-resources/support-guides/consumer-guides/direct-deposit.md)
- [Directories](https://www.payments.ca/payment-resources/directories.md)
- [Diversity, equity and inclusion](https://www.payments.ca/connect/careers/diversity-equity-and-inclusion.md)
- [Earned wage access](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/earned-wage-access.md)
- [Education](https://www.payments.ca/payment-resources/education.md)
- [Events](https://www.payments.ca/connect/events.md)
- [Financial institution guides](https://www.payments.ca/payment-resources/support-guides/financial-institution-guides.md)
- [Financial institutions file](https://www.payments.ca/systems-services/payment-services/financial-institutions-file.md)
- [Forbidden](https://www.payments.ca/forbidden.md)
- [Fraud services](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/fraud-services.md)
- [Frequently asked questions](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/frequently-asked-questions.md)
- [Get involved](https://www.payments.ca/get-involved.md)
- [Glossary](https://www.payments.ca/payment-resources/glossary.md)
- [Governance & risk](https://www.payments.ca/about/governance-risk.md)
- [Government disbursements](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/government-disbursements.md)
- [High-value payment system - Lynx](https://www.payments.ca/systems-services/payment-systems/high-value-payment-system-lynx.md)
- [High-value payment system - Lynx](https://www.payments.ca/payment-resources/iso-20022/high-value-payment-system-lynx.md)
- [Home](https://www.payments.ca/home.md)
- [In the know](https://www.payments.ca/know.md)
- [Information centre](https://www.payments.ca/information-centre.md)
- [Instant payments](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/instant-payments.md)
- [ISO 20022](https://www.payments.ca/payment-resources/iso-20022.md)
- [Issuing or receiving cheques](https://www.payments.ca/payment-resources/support-guides/business-guides/issuing-or-receiving-cheques.md)
- [Legal](https://www.payments.ca/legal.md)
- [Legislation & by-laws](https://www.payments.ca/about/governance-risk/legislation-laws.md)
- [Me-to-me transfer](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/me-me-transfer.md)
- [Members](https://www.payments.ca/about/our-members-stakeholders/members.md)
- [Membership](https://www.payments.ca/connect/membership.md)
- [Merchant settlement](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/merchant-settlement.md)
- [Message validation service](https://www.payments.ca/systems-services/payment-services/message-validation-service.md)
- [Modernization](https://www.payments.ca/insights/modernization.md)
- [News & research](https://www.payments.ca/insights/news-research.md)
- [Our leadership](https://www.payments.ca/about/our-leadership.md)
- [Our members & stakeholders](https://www.payments.ca/about/our-members-stakeholders.md)
- [PAGE](https://www.payments.ca/page.md)
- [Page not found](https://www.payments.ca/page-not-found.md)
- [Paying by cheque](https://www.payments.ca/payment-resources/support-guides/consumer-guides/paying-cheque.md)
- [Payment file validation service](https://www.payments.ca/systems-services/payment-services/payment-file-validation-service.md)
- [Payment service provider participation](https://www.payments.ca/connect/membership/payment-service-provider-participation.md)
- [Payment services](https://www.payments.ca/systems-services/payment-services.md)
- [Payment systems](https://www.payments.ca/systems-services/payment-systems.md)
- [Payments Canada Accessibility Plan Progress Report 2023-2024](https://www.payments.ca/payments-canada-accessibility-plan-progress-report-2023-2024.md)
- [Payments Canada Accessibility Plan Progress Report 2024–2025](https://www.payments.ca/payments-canada-accessibility-plan-progress-report-2024-2025.md)
- [Payments Canada Accessibility Plan Progress Report 2025–2026](https://www.payments.ca/payments-canada-accessibility-plan-progress-report-2025-2026.md)
- [Payments Canada careers](https://www.payments.ca/connect/payments-canada-careers.md)
- [Payments Canada fees](https://www.payments.ca/systems-services/payment-systems/payments-canada-fees.md)
- [Payments Canada speakers at The SUMMIT](https://www.payments.ca/connect/annual-conference/payments-canada-speakers-summit.md)
- [Pre-authorized debit](https://www.payments.ca/payment-resources/support-guides/consumer-guides/pre-authorized-debit.md)
- [Pre-authorized debit](https://www.payments.ca/payment-resources/support-guides/business-guides/pre-authorized-debit.md)
- [Privacy policy](https://www.payments.ca/privacy-policy.md)
- [Public policies](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/public-policies.md)
- [Real-Time Rail — Financial institutions](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/real-time-rail-financial.md)
- [Real-Time Rail — Payment service providers](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/real-time-rail-payment-service.md)
- [Real-Time Rail payment system](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system.md)
- [Real-Time Rail payment system](https://www.payments.ca/real-time-rail-payment-system-0.md)
- [Retail batch payment system](https://www.payments.ca/systems-services/payment-systems/retail-batch-payment-system.md)
- [Risk management](https://www.payments.ca/about/governance-risk/risk-management.md)
- [Rules & documentation](https://www.payments.ca/systems-services/rules-documentation.md)
- [Rules updates 2022](https://www.payments.ca/rules-updates-2022.md)
- [Rules updates 2023](https://www.payments.ca/rules-updates-2023.md)
- [Rules updates 2024](https://www.payments.ca/rules-updates-2024.md)
- [Rules updates 2025](https://www.payments.ca/rules-updates-2025.md)
- [SADFASDDFASFAS](https://www.payments.ca/sadfasddfasfas.md)
- [Search](https://www.payments.ca/search.md)
- [Stakeholders](https://www.payments.ca/about/our-members-stakeholders/stakeholders.md)
- [Subscribe](https://www.payments.ca/payment-resources/subscribe.md)
- [Supplier payments](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/supplier-payments.md)
- [Support guides](https://www.payments.ca/payment-resources/support-guides.md)
- [Sustainability](https://www.payments.ca/about/who-we-are/sustainability.md)
- [System closure schedule](https://www.payments.ca/system-closure-schedule.md)
- [Technology and innovation](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/technology-and-innovation.md)
- [Testing and launch](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/testing-and-launch.md)
- [Use cases](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases.md)
- [Who we are](https://www.payments.ca/about/who-we-are.md)
- [Wire payment](https://www.payments.ca/payment-resources/support-guides/consumer-guides/wire-payment.md)
- [Wire payments](https://www.payments.ca/payment-resources/support-guides/business-guides/wire-payments.md)