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Payment systems

We underpin the Canadian financial system and economy by owning and operating Canada’s payment clearing and settlement infrastructure, including associated retail and high-value systems, bylaws, rules, procedures and standards.

 

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Retail batch payment system

Canada’s retail batch payment system is made of up of the Automated Clearing Settlement System (ACSS) and United States Bulk Exchange application (USBE).

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High-value payment system - Lynx

Lynx is used by participating financial institutions to safely send wire payments on behalf of their customers, in Canadian dollars.

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Real-Time Rail payment system

The Real-Time Rail (RTR) — Canada’s first national real-time payment system — will support faster (24/7/365), data-rich payments and act as a platform for payment innovation and competition.

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System closure schedule

Payments Canada systems are operational from Monday to Friday, with the exception of statutory holidays, visit the system closure schedule for details.

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Modernizing the Canadian payment systems

Payments Canada is leading a multi-year, multi-phase initiative to modernize Canada’s payment systems.

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  • Systems & services
    • Payment systems
      • Retail batch payment system
      • High-value payment system - Lynx
      • Real-Time Rail payment system
      • System closure schedule
    • Payment services
      • Payment file validation service
      • Message validation service
      • Financial institutions file
      • Corporate creditor identification number database
      • APIs
    • Rules & documentation
  • Payment resources
    • Directories
    • Support guides
      • Consumer guides
      • Business guides
      • Financial institution guides
      • Cheque Printer Guide
    • ISO 20022
      • Automatic funds transfer
      • High-value payment system - Lynx
      • Real-Time Rail payment system
    • Glossary
    • Education
  • Insights
    • Newsroom
    • Research
    • Corporate reports
    • Modernization
  • Connect
    • Careers
    • Annual conference
    • Events
    • Contact
  • About
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