EFT 80 Byte File Layout - Credits & Debits This file layout is used to submit credit or debit payments for disbursement and collection to/from an acco...
EFT 80 Byte File Layout - Credits & Debits This file layout is used to submit credit or debit payments for disbursement and collection to/from an account at any financial institution in Canada. File Structure Record Type H D T
Record Description Header Record Detail Record Trailer Record
Requirement Mandatory Mandatory Mandatory
Use 1 =>0 1
Notes: 1.
The Header Record determines if the file is all Credits or all Debits.
Block Length Record Length File Structure
§ § §
§
Multiple Files (tape and transmission)
§ §
Sorting
§
Dating of Payments
§
§
§
Field Types
§ § §
80 characters 80 characters The first record of a file must be Record Type “H” and the last record of a file must be Record Type “T”. Include Carriage Return and Line Feed at the end of each record (including Header, Detail and Trailer Records). A maximum of 18 files can be sent in one transmission for the same Originator ID. The next file must start with Record Type “H” and immediately follow the “T” Record of the previous file. No spaces between files. TD does not sort payments – all payments will be printed on your reports in the same order as they were submitted on your file. Payments with differing due dates may be submitted on the same file, subject to lead time and settlement requirements. Credit Payments may be dated 30 calendar days prior to (stale-dated) current day or 35 calendar days after current date (future dated). Debit Payments may be dated 173 calendar days prior to current date (stale-dated) or 35 calendar days after current date (future dated). A = Alpha Characters (always left justified in the field with following spaces). AN = Alphanumeric Characters (always left justified in the field with following spaces). N = Numeric Characters (always right justified in the field with leading zeros).
Requirement: Mandatory Use: 1 (per logical file) Purpose: The EFT Header record provides TD with file identification and control information. Notes: All payments in this file are either CREDITS or DEBITS determined by Payment Type (Field #3). Field No. 1 2 3
Character Position 1 2-11 12
Field Size 1
Format A
10 1
AN AN
Content
Description
Record Type
§ § § §
Originator ID Number Payment Type
§ 4
13-15
3
AN
5
16-21
6
N
CPA code
§
Payment Due Date (DDMMYY)
§ § § § §
6
22-36
15
AN
Originator Short Name
§ §
§
7
37-45
9
N
8
46-57
12
AN
9
58-61
4
N
Financial Institution ID/Transit Number for returned payments
§
Account Number for returned payments
§
File Creation Number
§
§ §
§
§
Always “H” for Header Record. Must be uppercase. Provided by TD Bank, must be uppercase. “C” for credit , must be uppercase. All payments in this file are CREDITS only. “D” for debit , must be uppercase. All payments in this file are DEBITS only. Canadian Payment Association payment code list. See CPA Code list for values in this guide.
credits - the date that you want the funds deposited into the payee’s account debits - the date that you want to withdraw the funds from the payor’s account format is DDMMYY example: January 31, 1999 is formatted as “310199” Year 2000 example: January 31, 2000 is formatted as “310100” your company name, shortened into a field length of 15 characters if you are a Service Bureau or a Processing Agent, the name of the payment’s originator (your client’s name) must be entered here this name is passed to the receiving financial institution and may appear on the payor/payee financial institution account statement. Must be “0004” for TD followed by your 5 digit branch transit number. Example: 000410202 must be a TD Commercial account number where dishonoured payments will be returned 11 digits followed by 1 space use “0001” for the first production file submitted and increment by one for every subsequent file for each Originator ID Number TD will reject any file with a “used” file creation number within the last 18 submitted files to safeguard against the same file being processed twice After using 9999, roll over to 0001
10
62-80
19
AN
Filler
§ §
Never use 0000 for a file creation number always spaces
Requirement: Mandatory Use: >0 Purpose: The EFT Detail provides information required to credit or debit funds to/from a bank account. The credit or debit indicator is located on the Header record. Notes: 1. Fields defined as AN (alphanumeric) will be left justified and space filled 2. Fields defined as N (numeric) will be right justified and zero filled 3. Amount fields are unsigned – no (+) or (-) indicators 4. Decimal point is not accepted in numeric fields Field No. 1
Character Position 1
Field Size 1
Format A
Content
Description
Record Type
§ § §
2
2-24
23
AN
Payor/Payee Name
3
25-30
6
N
Payment Due Date (DDMMYY)
§ § §
§ § § §
§
§
Always “D” for Detail Record. Must be uppercase. The name of the person/company being debited or credited. credits - the date that you want the funds deposited into the payee’s account debits - the date that you want to withdraw the funds from the payor’s account if this date is left blank, the date will default to the Due Date recorded on Record Type “H” field 5. format is DDMMYY example: January 31, 1999 is formatted as “310199” Year 2000 example: January 31, 2000 is formatted as “310100”. Payments with differing due dates may be submitted on the same file, subject to lead time and settlement requirements. Credit payments may be dated 30 calendar days prior to current date (stale dated) or 35 calendar days after current date (future dated) Debit payments may be dated 173 calendar days prior to current date (staledated) or 35 calendar days after current date (future dated).
your internal reference number enables you to identify the payment to your internal records appears on TD’s Input Edit and Trace Listing report for your reference the payment routing number of the payor/payee’s financial institution the first digit is a constant zero, the next 3 digits are the institution number, and the last 5 digits are the branch transit number Financial Institution and branch transit numbers are obtained from the payee’s voided cheque. A sample cheque is included in this guide. obtained from the payor/payee’s voided cheque must be left justified followed by spaces embedded dashes and spaces are acceptable - but not necessary TD may reject any payment that does not conform to CPA published account number validation requirements value must be greater than zero Example: $1,234.56 is entered as 00000123456 Example: $1,234.00 is entered as 00000123400
Requirement: Mandatory Use: 1 Purpose: The EFT Trailer Record provides TD with balancing and control information. Notes: 5. Fields defined as AN (alphanumeric) will be left justified and space filled 6. Fields defined as N (numeric) will be right justified and zero filled 7. Amount fields are unsigned – no (+) or (-) indicators 8. Decimal point is not accepted in numeric fields Field No. 1 2
Character Position 1 2-9
Field Size 1 8
Format A N
Content
Description
Record Type
§ § §
Total Number of Payments
§ 3
10-23
14
N
Total Value of Payments
§ §
4
24-80
57
AN
Filler
§
Always “T” for Trailer Record. Must be uppercase. the accumulated number (record count) of all “D” detail type records in the file. Example: 167 detail records are entered as 00000167 Accumulated value of all the amount fields on the “D” detail records in this file. Example: $1,234,567.89 accumulated amount is entered as 00000123456789 always spaces
