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North America · CAD · 5 routes

Payouts to Canada

Imported payout availability and route requirements

Payout destination · CA

Canada

North America · CAD

Supported payout methods

Supported currencies

CAD

Cutoff & delivery timing

T1 · T+1 day credit subject to cutoff of 18:00 ET · B2B · B2P · P2P · P2B

Transaction limit per end-user B2BB2PP2PP2B
MinNot specifiedCAD 0.01CAD 0.01Not specified
MaxCAD 99,000,000CAD 99,000,000CAD 99,000,000CAD 99,000,000

Route details

Select a supported mode

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

BANK CODE

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to business · CORPORATE

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 5

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to person · INDIVIDUAL

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 8

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to person · INDIVIDUAL

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

BANK CODE

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to business · CORPORATE

Supported currencies

USD

Cutoff & delivery timing

T1 · T+1 day credit subject to cutoff of 23:59 ET · B2B · B2P · P2P · P2B

Transaction limit per end-user B2BB2PP2PP2B
MinUSD 0.01USD 0.01USD 0.01USD 0.01
MaxUSD 99,000,000USD 99,000,000USD 99,000,000USD 99,000,000

Route details

Select a supported mode

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to business · CORPORATE

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to person · INDIVIDUAL

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to person · INDIVIDUAL

Beneficiary statement narrative

Domestic Clearing System limits ability to transfer full remitter information to the Beneficiary. Visibility of Standard Statement Narration is missing.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All banks in Canada

Routing code

TRANSIT NUMBER

Notes

*The status update will be done on T+1 basis though the Beneficiary may receive the credit before this.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentificiation NumberAddressCountry CodeCityPostcode

BENEFICIARY

NameAccount NumberAccount TypeCountry CodeAddress (Recommended)City (Recommended)Postcode (Recommended)Bank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to business · CORPORATE

Supported currencies

CAD

Cutoff & delivery timing

Instant · Near real time(upto 60 mins) - subject to window of 05:00hrs ET to 22:30hrs ET · B2B · B2P · P2P · P2B

Transaction limit per end-user B2BB2PP2PP2B
MinNot specifiedNot specifiedNot specifiedNot specified
MaxCAD 25,000CAD 25,000CAD 25,000CAD 25,000

Route details

Select a supported mode

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Notes

Beneficiary account should be enabled with auto-deposit to receive payments via interac proxy.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeCountry CodeAddressCityPostcode

OTHER

Proxy TypeProxy Value

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

BANK · Business to business · CORPORATE

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Notes

Beneficiary account should be enabled with auto-deposit to receive payments via interac proxy.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeCountry CodeAddressCityPostcode

OTHER

Proxy TypeProxy Value

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

BANK · Business to person · INDIVIDUAL

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Notes

Beneficiary account should be enabled with auto-deposit to receive payments via interac proxy.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeCountry CodeAddressCityPostcode

OTHER

Proxy TypeProxy Value

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

BANK · Person to person · INDIVIDUAL

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Notes

Beneficiary account should be enabled with auto-deposit to receive payments via interac proxy.

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeCountry CodeAddressCityPostcode

OTHER

Proxy TypeProxy Value

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

BANK · Person to business · CORPORATE

Supported currencies

CAD

Cutoff & delivery timing

Instant · Near real time(upto 60 mins) - subject to window of 05:00hrs ET to 22:30hrs ET · B2B · B2P · P2P · P2B

Transaction limit per end-user B2BB2PP2PP2B
MinNot specifiedNot specifiedNot specifiedNot specified
MaxCAD 25,000CAD 25,000CAD 25,000CAD 25,000

Route details

Select a supported mode

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Routing code

TRANSIT NUMBER

Notes

Clients wanting to do payment via INTERAC should reach out to their NIUM representative

To pass Payout Rail as - "ca_interac" in the payment request

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeBank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to business · CORPORATE

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Routing code

TRANSIT NUMBER

Notes

Clients wanting to do payment via INTERAC should reach out to their NIUM representative

To pass Payout Rail as - "ca_interac" in the payment request

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeBank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Business to person · INDIVIDUAL

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Routing code

TRANSIT NUMBER

Notes

Clients wanting to do payment via INTERAC should reach out to their NIUM representative

To pass Payout Rail as - "ca_interac" in the payment request

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeBank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to person · INDIVIDUAL

Beneficiary statement narrative

Remitter Name and Statement Narrative is passed to the Beneficiary Bank and depends on Beneficiary Bank if it appears in the Beneficiary statement narration.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All Interac supported banks in Canada

Routing code

TRANSIT NUMBER

Notes

Clients wanting to do payment via INTERAC should reach out to their NIUM representative

To pass Payout Rail as - "ca_interac" in the payment request

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeCityPost Code

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeBank Code/SWIFT Code

ROUTING

Code Type 1 - Transit CodeCode Value 1

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

LOCAL · Person to business · CORPORATE

Supported currencies

USD EUR SGD GBP AUD CAD HKD JPY CHF NZD

Cutoff & delivery timing

T1 · Same-day processing subject to cutoff of 07:30 UTC · B2B · B2P · P2P · P2B

Transaction limit per end-user B2BB2PP2PP2B
MinNot specifiedNot specifiedNot specifiedNot specified
MaxNot specifiedNot specifiedNot specifiedNot specified

Route details

Select a supported mode

Beneficiary statement narrative

Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank. Details available on beneficiary statement will be dependent on beneficiary bank.

[{Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank.}, { Details available on beneficiary statement will be dependent on beneficiary bank.}]

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All SWIFT enabled banks in the country

All major banks enabled with SWIFT CODE

Routing code

SWIFT

Proof of payment

pacs.008 can be considered as a proof of payment and can be provided on request

Notes

WIRES can be sent to all countries except for OFAC listed.

pacs.008 can be provided on request.

NIUM does not support OUR charge type for CAD currency WIRES

Processing of payments to Crimea, Donetsk, Luhansk, Sevastopol regions of Ukraine is prohibited. This list is subject to change.

For foreign currency wire currencies USD, EUR, GBP - NIUM supports both OUR and SHA fee type while for other currencies AUD, CAD, CHF, JPY, NZD, HKD, SGD - NIUM supports only SHA fee type

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeIdentification Number (For Company)Identification Type (For Company)DOB (Only for Individuals)CityPost CodeState (for US

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeState (for USPostcode (for US

ROUTING

Code Value 1Code Type 1 - SWIFT CodeCode Type - SWIFT CODECode Value

OTHER

Remit Purpose CodeCAMX)

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

SWIFT · Business to business · CORPORATE

Beneficiary statement narrative

Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank. Details available on beneficiary statement will be dependent on beneficiary bank.

[{Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank.}, { Details available on beneficiary statement will be dependent on beneficiary bank.}]

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All SWIFT enabled banks in the country

All major banks enabled with SWIFT CODE

Routing code

SWIFT

Proof of payment

pacs.008 can be considered as a proof of payment and can be provided on request

Notes

WIRES can be sent to all countries except for OFAC listed.

pacs.008 can be provided on request.

NIUM does not support OUR charge type for CAD currency WIRES

Processing of payments to Crimea, Donetsk, Luhansk, Sevastopol regions of Ukraine is prohibited. This list is subject to change.

For foreign currency wire currencies USD, EUR, GBP - NIUM supports both OUR and SHA fee type while for other currencies AUD, CAD, CHF, JPY, NZD, HKD, SGD - NIUM supports only SHA fee type

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeIdentification Number (For Company)Identification Type (For Company)DOB (Only for Individuals)CityPost CodeState (for US

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeState (for USPostcode (for US

ROUTING

Code Value 1Code Type 1 - SWIFT CodeCode Type - SWIFT CODECode Value

OTHER

Remit Purpose CodeCAMX)

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

SWIFT · Business to person · INDIVIDUAL

Beneficiary statement narrative

[{Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank.}, { Details available on beneficiary statement will be dependent on beneficiary bank.}]

Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank. Details available on beneficiary statement will be dependent on beneficiary bank.

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All SWIFT enabled banks in the country

All major banks enabled with SWIFT CODE

Routing code

SWIFT

Proof of payment

pacs.008 can be considered as a proof of payment and can be provided on request

Notes

WIRES can be sent to all countries except for OFAC listed.

pacs.008 can be provided on request.

NIUM does not support OUR charge type for CAD currency WIRES

Processing of payments to Crimea, Donetsk, Luhansk, Sevastopol regions of Ukraine is prohibited. This list is subject to change.

For foreign currency wire currencies USD, EUR, GBP - NIUM supports both OUR and SHA fee type while for other currencies AUD, CAD, CHF, JPY, NZD, HKD, SGD - NIUM supports only SHA fee type

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeIdentification Number (For Company)Identification Type (For Company)DOB (Only for Individuals)CityPost CodeState (for US

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeState (for USPostcode (for US

ROUTING

Code Value 1Code Type 1 - SWIFT CodeCode Type - SWIFT CODECode Value

OTHER

Remit Purpose CodeCAMX)

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

SWIFT · Person to person · INDIVIDUAL

Beneficiary statement narrative

Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank. Details available on beneficiary statement will be dependent on beneficiary bank.

[{Ultimate Sender Name and narrative details will be passed as part of pacs.008 message to beneficiary bank.}, { Details available on beneficiary statement will be dependent on beneficiary bank.}]

Network participant

Bank

FX source

Live Interbank based rates available 24x7, including off-market hours

Channels

All SWIFT enabled banks in the country

All major banks enabled with SWIFT CODE

Routing code

SWIFT

Proof of payment

pacs.008 can be considered as a proof of payment and can be provided on request

Notes

WIRES can be sent to all countries except for OFAC listed.

pacs.008 can be provided on request.

NIUM does not support OUR charge type for CAD currency WIRES

Processing of payments to Crimea, Donetsk, Luhansk, Sevastopol regions of Ukraine is prohibited. This list is subject to change.

For foreign currency wire currencies USD, EUR, GBP - NIUM supports both OUR and SHA fee type while for other currencies AUD, CAD, CHF, JPY, NZD, HKD, SGD - NIUM supports only SHA fee type

Mandatory data requirements

REMITTER

NameAccount TypeIdentification TypeIdentification NumberAddressCountry CodeIdentification Number (For Company)Identification Type (For Company)DOB (Only for Individuals)CityPost CodeState (for US

BENEFICIARY

NameAccount TypeAccount NumberCountry CodeAddressCityPostcodeState (for USPostcode (for US

ROUTING

Code Value 1Code Type 1 - SWIFT CodeCode Type - SWIFT CODECode Value

OTHER

Remit Purpose CodeCAMX)

Supporting documents

Remitter Beneficiary RelationshipNature of BusinessDuration of ContractCommercial AgreementCurrent Invoice

Route source

SWIFT · Person to business · CORPORATE

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