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Cibc Eft 80 Byte File Layouts




Cibc Eft 80 Byte File Layouts: A Guide for Electronic Funds Transfer


Cibc Eft 80 Byte File Layouts: A Guide for Electronic Funds Transfer




Electronic Funds Transfer (EFT) is a convenient and secure way of sending and receiving payments electronically. EFT can be used for various purposes, such as payroll, vendor payments, tax remittances, and more. However, to use EFT, you need to create a file that contains the necessary information about the transactions, such as the originator, the payee, the amount, and the date. This file must follow a specific format that is accepted by your bank and the Canadian Payments Association (CPA).


One of the formats that some Canadian banks use is the Cibc Eft 80 Byte File Layout. This format consists of three types of records: header, detail, and trailer. Each record has a fixed length of 80 characters and contains various fields that identify the originator, the payee, the payment amount, and other information. In this article, we will explain how to create a Cibc Eft 80 Byte File Layout for EFT using Excel or CSV files.


Download File: https://urlca.com/2w3yDr


Header Record




The header record is the first record in the file and it contains information about the originator of the transactions. The header record has the following fields:


Character PositionField SizeFormatField NameData Requirements


01-011ANRecord TypeA


02-109NRecord Count000000001


11-2010ANClient Number10-digit client number assigned by CIBC


21-244NFile Creation NumberA unique 4-digit number to identify this file. Must be different (or higher) from previous numbers.


25-306NFile Creation DateThe date when the file was created in YYMMDD format.


31-355NCIBC Processing Centre NumberThe centre where the file will be processed. Must be 01000.


36-5520N/AFiller/Reserved Space (Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)


No data required.




56-58


3


AN


Destination Currency Code


The currency code of the transactions. Must be CAD or USD.



59-80


22


N/A


Filler/Reserved Space


No data required.


To create a header record in Excel or CSV, you need to enter the data in each field in a single row, separated by commas. For example:


A,000000001,1234567890,0001,230901,01000,,CAD,


Detail Record The detail record is the main record in the file and it contains information about each transaction. The detail record has the following fields:





Character Position


Field Size


Format


Field Name


Data Requirements



01-01


1


AN


Record Type


C



02-10


9


N


Record Count


The sequential number of the record. Increment by 1 for each detail record.



11-20


10


AN


Client Number


The same 10-digit client number as in the header record.



21-24


4


N


File Creation Number


The same 4-digit file creation number as in the header record.



25-27


3


AN


Transaction Code


The 3-digit transaction code that indicates the type of transaction. The valid codes are:


  • 200 - Credit to a Canadian dollar account at any Canadian financial institution.



  • 201 - Debit from a Canadian dollar account at any Canadian financial institution.



  • 202 - Credit to a U.S. dollar account at any Canadian financial institution.



  • 203 - Debit from a U.S. dollar account at any Canadian financial institution.



  • 205 - Credit to a U.S. dollar account at a U.S. financial institution.



  • 206 - Debit from a U.S. dollar account at a U.S. financial institution.





28-37


10


N


Amount


The payment amount in cents, with no decimal point. Right justify with leading zeros.



38-43


6


N


Payment Date


The date when the payment will be processed in YYMMDD format. Cannot be more than 30 days in the past or 173 days in the future.



44-52


9 NPayee Financial Institution and Branch Transit NumberThe 9-digit number that identifies the payee's bank and branch. The first 4 digits are the bank number and the last 5 digits are the branch transit number.


53-6412ANPayee Account NumberThe payee's account number, including all significant digits. Left justify with trailing spaces.


65-8622N/AFiller/Reserved Space(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)(Leave Blank)No data required.


87-893N/AFiller/Reserved SpaceNo data required.


90-10415ANOriginator Short NameA one-word name that identifies the originator of the transactions. All uppercase letters. Will appear on the payee's bank statement.


105-13430ANPayee NameThe name of the payee. All uppercase letters. If missing, the transaction will be rejected.


135-16430ANOriginator NameThe name of the originator of the transactions. All uppercase letters.


165-17410N/AFiller/Reserved Space (Leave Blank)No data required.


175-19319N/AFiller/Reserved Space (Leave Blank)No data required.


194-2029N/AFiller/Reserved Space (Leave Blank)No data required.


203-214C,000000002,1234567890,0001,200,0000123456,230901,000100001,123456789 ,,,CAD,,ABC COMPANY,XYZ INC.,ABC COMPANY,,,,,,,,,


Trailer Record




The trailer record is the last record in the file and it contains information about the total number and amount of transactions. The trailer record has the following fields:


Character PositionField SizeFormatField NameData Requirements


01-011ANRecord TypeZ


02-109NRecord CountThe total number of records in the file, including the header and trailer records. Right justify with leading zeros.


11-2010N/AFiller/Reserved Space (Leave Blank)No data required.


21-244NFile Creation NumberThe same 4-digit file creation number as in the header record.


25-3410NTotal Amount of CreditsThe sum of all credit transactions in the file in cents, with no decimal point. Right justify with leading zeros.


35-4410NTotal Amount of DebitsThe sum of all debit transactions in the file in cents, with no decimal point. Right justify with leading zeros.


45-80


Character PositionField SizeFormatField NameData Requirements


01-011ANRecord TypeZ


02-109NRecord CountThe total number of records in the file, including the header and trailer records. Right justify with leading zeros.


11-2010N/AFiller/Reserved Space (Leave Blank)No data required.


21-244NFile Creation NumberThe same 4-digit file creation number as in the header record.


25-3410NTotal Amount of CreditsThe sum of all credit transactions in the file in cents, with no decimal point. Right justify with leading zeros.


35-4410NTotal Amount of DebitsThe sum of all debit transactions in the file in cents, with no decimal point. Right justify with leading zeros.


45-80Z,000000010,0001,0000000000,0000000000,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,


Conclusion




In this article, we have explained how to create a Cibc Eft 80 Byte File Layout for EFT using Excel or CSV files. This format is one of the options that some Canadian banks use for sending and receiving electronic payments. By following the specifications and examples given in this article, you can create your own EF


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