Canadian Payments

As part of a new regulatory requirement from the Canadian Financial Transaction and Reports Analysis Centre of Canada (FINTRAC), all payments traveling into or out of Canada will require additional information about the transaction.

The requirements below apply to all Partners using the Payments API to send payments that involve a Canadian entity and are dependent on the type of API integration (direct-customer relationship, processing third-party payments, or utilizing an originating financial institution).

All Customers

If any of the entities below are located in Canada (countryCode = CA), then full beneficiary address is required:

If Entity Below is in Canada

1. Customer
2. Beneficiary
3. Beneficiary Bank
4. Third-party Remitter
5. Originating FI

Then the following fields are required

• beneficiary.address.line1
• beneficiary.address.city
• beneficiary.address.countryCode

Additionally, the following fields are required for beneficiaries located in Canada, US, or Mexico:

• beneficiary.address.stateOrProv
• beneficiary.address.zipOrPostal

Third-party Customers

If any of the entities below are located in Canada (countryCode = CA), then full remitter details are required.

If Entity Below is in Canada

1. Customer
2. Third-party Remitter

Then the following fields are required

• thirdPartyRemitter.address.line1
• thirdPartyRemitter.address.city
• thirdPartyRemitter.address.stateOrProv
• thirdPartyRemitter.address.zipOrPostal
• thirdPartyRemitter.address.countryCode
• thirdPartyRemitter.bankAccount.accountNumber
• thirdPartyRemitter.bankAccount.bankCode OR thirdPartyRemitter.bankAccount.bankRoutingCode

Originating FI Customers

If any of the entities below are located in Canada (countryCode = CA), then full originator details are required.

If Entity Below is in Canada

1. Third-party Remitter
2. Originating FI

Then the following fields are required

• originatingFI.address.line1
• originatingFI.address.city
• originatingFI.address.stateOrProv
• originatingFI.address.zipOrPostal
• originatingFI.address.countryCode
• originatingFI.accountNumber
• originatingFI.bankCode OR originatingFI.bankRoutingCode

Note: the above requirements are in addition to the required fields indicated in the Payment Fields documentation.

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Address Considerations

For any of the addresses required for Canadian payments, P.O. boxes cannot be used. Addresses must represent a physical address.