Rules & documentation

By-laws, rules, standards and procedure documents are integral parts of the legal framework of the national payment systems that Payments Canada is legislated to establish and operate. They lay out the roles, responsibilities and obligations of our member financial institutions on the appropriate handling of payment items exchanged, cleared and settled via our payment systems. This includes requirements for participation in a payment system or scheme, procedures for the processing of payment items, and the requirements and timeframes for returning payment items, where eligible.

Payments Canada’s rules, standards and procedure documents are updated regularly and versions posted online are in force. You can contact Payments Canada for confirmation by e-mail at info@payments.ca.

Item Title Updated System
Introduction
Introduction
Retail batch payment system
Quick links - ACSS
Automated clearing settlement system rules, standards and by-laws
Retail batch payment system
Rule D4
Institution Numbers and Clearing Agency/Representative Arrangements
Retail batch payment system
Rule F1
Rules applicable to Automated Funds Transfer (AFT) Transactions
Retail batch payment system
Rule F4
Rules applicable to Automated Funds Transfer (AFT) Transactions using ISO 20022 messages
Retail batch payment system
Rule F8
Direct Payment Routing Numbers
Retail batch payment system
Rule G12
Procedures for Public Works and Government Services Canada (PWGSC) Direct Deposit Payment Items
Retail batch payment system
Rule H1
Pre-Authorized Debits
Retail batch payment system
Rule H1
Pre-Authorized Debits (version effective prior to Oct 3, 2022)
Retail batch payment system
Rule H3
Correction of Electronic Bill Payment Errors
Retail batch payment system
Rule K8
U.S. Dollar Automated Funds Transfer System
Retail batch payment system
Standard 005
Standards for the Exchange of Financial Data on AFT Files
Retail batch payment system

The 2024 Payments Canada SUMMIT

Coming to Toronto from May 29 to 31 at the Beanfield Centre, The 2024 SUMMIT will bring together the best of the payment ecosystem from across Canada and around the world. As Canada’s premier payment event, The SUMMIT is the place to learn about, discuss and debate the future of payments with the industry’s thought-leaders, visionaries and innovators.

Register now