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Automated Funds Transfers (AFT)

Pre-authorized debits and direct deposit transactions speed along quickly with our Payment Stream Automatic Funds Transfer System (PSAFT) partner. This service is ideal for all kinds of recurring payments like payroll, strata fees, and even charitable donations that are originated by you.

Speed

The ability to send (originate) same-day AFT credits. You can collect payments for things like:

  • Accounts receivable
  • Member fees or dues
  • Rent
  • Condo fees
  • Donations or pledges

Security

  • Enhanced originator ID limits help mitigate risk.
  • Dual Authorization for added risk mitigation

Convenience

  • The ability to release AFT transactions up to 14 calendars days in advance.
  • Avoid printing or receiving cheques by automatically transferring funds from one account to another. It’s efficient, affordable, and will improve your accuracy.
  • The ability to download AFT product reports in CSV and PDF formats.
  • Increased record retention – up to 18 months of history.
  • Real-time file validation during the file upload and release process.
  • Email confirmations for File Upload and Manual Release are sent only when a file is validated successfully – less emails!

Note: U.S. dollar transactions can be originated if the recipient’s account is held at a Canadian financial institution.

You’ll require 2-Step Security to access PaymentStream AFT which includes:

  • a username and password and
  • a Soft Token on a smart phone for instant access. (Hard tokens are available at a cost.)
PaymentStream AFT ServiceService DescriptionFees
Originator SetupSet up originator identification number for a business$250
Additional Originator SetupSet up additional originator identification number$100
Data Entry
*Manual Release		Fee charged for every AFT file released
*Transactions with a due date of 14 days or less can be confirmed and released at one time		$15 per file
Data Entry
*Auto Release		Fee charged monthly for AFT file(s) released$50 per month
File UploadFee charged per AFT file uploaded$15 per file upload
Hard TokenUpon Request$10
Soft TokenA Soft Token is an app that can be installed on the user’s mobile device for two-step authentication when logging inFree

Login by visiting Central 1’s website. Enter your User ID, password, and code from your soft or hard security token.

Your username will be your first initial, last initial, and last five digits of your originator number (without any spaces).
For example, Mary Brown with an originator number of 0000012345 would have a username of MB12345.

Your password:

  • Must be a minimum of eight (8) characters in length
  • Must contain at least one (1) opposite case character
  • Must contain at least one (1) non-alphanumeric character
  • Must contain at least one (1) numeric character
  • Must not be the same password used as your last 24 passwords.

    Note: if you haven’t accessed the system in a year, we’ll remove your PaymentStream AFT login for your security.

2-Step Security is a method of ensuring “you’re you” by confirming two factors of authentication: a username/password and a physical Hard Token or Soft Token on a smartphone. The token is required to access the new PaymentStream AFT application.

A Hard Token is a physical device that you can obtain from us. A Soft Token is installed on your Smartphone, tablet, or iPad. The device you choose must have a Google Authenticator app installed for the security process to work. You can choose to use either Soft or Hard Tokens. Tokens are mandatory; users require 2-Step Security to access PaymentStream AFT.

There is no option to assign a single token to multiple accounts for security reasons. If you have access to various Originators IDs with different User IDs, choose a Soft Token for a better user experience. The Google Authenticator app will store all your tokens for the various User IDs on your smartphone.

There is no charge for Soft Tokens. Hard tokens for new users or any replacement tokens will be charged $10.00

The Google Authenticator is a free app for Android or iPhone that does not require Wi-Fi or data connectivity (i.e., in Airplane Mode). The data is only used during the app’s initial download to your device.

No. Tokens are security devices and cannot be shared or reassigned.

Here is a chart that details retention history for AFTs:

Record Change Report18 Months
Activity Log Report3 Months
Originator Change Report12 Months
Release History18 Months
Transaction History Report18 Months


File Uploads

Activity Log Report3 Months
File History Report18 Months
Transaction History Report18 Months
Origintor Change Report12 Months

Please refer to the following sections to access a wealth of helpful user guides, training videos and more.

AFT Guide to File Upload

Payment Streams AFT Automatic Release

Payment Streams AFT Manual Release

Hard Token Access to Payment Streams

Soft Token Access to Payment Streams

CPA File Format Specifications

Guide to Preauthorized Debits – Canadian Payments Association

CPA Rule H1 – Preauthorized Debits

Payment Stream AFT File Upload Originator Information Page

Payment Stream AFT File Upload – Testing an AFT File

Payment Stream AFT – File Upload

Payment Stream AFT Approving Uploaded files

Payment Stream AFT File Upload – Reports

Payment Stream AFT Data Entry Manual Release – Originator Information Page

Payment Stream AFT Data Entry Manual Release – Adding A Record

Payment Stream AFT Data Entry Manual Release – Managing Records

Payment Stream AFT Data Entry Manual Release – Releasing Transactions

Payment Stream AFT Data Entry Manual Release – Approving AFT Records

Payment Stream AFT Data Entry Manual Release – AFT Reports

Payment Stream AFT Data Entry Manual Release – Settlement Reports 

Payment Stream AFT Data Entry Manual Release – Archived Transactions

Payment Stream AFT Data Entry Automatic Release – Originator Information Page

Payment Stream AFT Data Entry Automatic Release – Adding AFT Records

Payment Stream AFT Data Entry Automatic Release – Managing Records

Payment Stream AFT Data Entry Automatic Release – Approving AFT Records

Payment Stream AFT Data Entry Automatic Release – AFT Reports

Payment Stream AFT Data Entry Automatic Release – Settlement Reports

Payment Stream AFT Data Entry Automatic Release – Archived Transactions

Deposit Services

We don’t charge you extra for cash deposits so whether it’s $50 or $5,000, there are no additional fees for monthly cash deposit totals.

Need change for your business? Order coin or exchange bills for no additional cost. Visit our business priority line in branch for all your business cash needs.

Foreign Exchange

With our foreign exchange network, we have access to many different currencies. If your business is transacting in US Dollars, our USD accounts can be used to buy/sell funds when the exchange rate is favourable. To learn more about Foreign Exchange Rates, visit our Rates page.

Speak with your business account representative to learn more about your options.

Merchant Services

Paystone, our partner for merchant services, offers 24/7 customer support. Leveraging their relationship with Elavon, First Data and Global payments, Paystone will pair you with the solution that best suits your needs.

Whether your business accepts payments in person, online, in-app or on the go, Integris and Paystone understand the importance of seamless payments solutions to help you meet the needs of your customers and support your business growth.

How your business can benefit:

  • Terminals: Go wireless, countertop or smart
  • E-commerce: Accept payments online
  • POS systems: Take management to the next level
  • Virtual Terminals: Accept payments from anywhere
  • Pay at the Table: Process quicker checkouts
  • Fundraising: Increase donations through e-payments
  • Gift Card Program: Attract new customers, up your cash flow
  • Loyalty Program: Boost Customer spending

Still have questions? Check out our blog post with a list of FAQs.

Paystone will work with you to provide you the best solution for your needs. Contact us today to begin your journey.

Wire Transfers

Our wire transfer system provides an efficient way of sending money whether it’s domestic or international.

InstitutionFee
Canadian Credit Union$40 CAD
Canadian Bank$40 CAD
USD Bank/CU$40 USD
International$75 CAD

Contact us for more information on Wire Transfers or Routing Information.

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