Last updated: 26 June 2026 | Change log

Canada Electronic Funds Transfer (EFT)

A direct debit for Canada based merchants.

EFT allows your customers to pay by transferring funds directly from their bank account.

Product overview

Processing

Processing of EFT transactions happens overnight (or the next available working day at weekends and holidays). The handling bank issues regular reports outlining the successful and failed payments. Once the payment is successful, you can release the goods and services to the customer.

Feature summary

Payment type	Countries	Currencies	Recurring	Reversals	Partial reversals	Chargebacks
Direct Debit	CA	CAD	❌	✅	❌	❌

Cancel or refund a transaction

In some cases you may wish to cancel a sale request. You can do this using a reversal request. You must do this within three hours of the sale request, on the same Canada business day, or it will be processed as a refund.

If your original reversal is not successful for any reason, you must re-send the reversal request after the three hour timeframe in order to make a refund request.

Note

Chargebacks and refunds can occur, and are managed directly at acquirer level.

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Example requests

application/json

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "eft",
    "narrative": {
      "line1": "MindPalace"
    },
    "value": {
      "amount": 750,
      "currency": "USD"
    },
    "paymentInstrument": {
      "type": "direct",
      "accountType": "checking",
      "accountNumber": "01234567890123456",
      "routingNumber": "012345678",
      "checkNumber": "012345678901234",
      "companyName": "Worldpay",
      "billingAddress": {
        "address1": "8500 Govenors Hill Drive",
        "address2": "Symmes Township",
        "postalCode": "45249",
        "city": "Ohio",
        "state": "US-OH",
        "countryCode": "US"
      }
    },
    "customer": {
      "firstName": "John",
      "lastName": "Johnson",
      "customerId": "43424",
      "email": "john@example.com"
    }
  }
}

Parameters

transactionReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transactions, please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

the total amount for a single order is split across multiple payments
you use a single reference for each payment in a recurring agreement or split shipment scenario

merchantobject(MerchantV2)required

merchant.entitystring[ 3 .. 32 ] characters^([A-Za-z0-9\- ]*)$required

Used to route the request in Access Worldpay, created as part of on-boarding.

Example: "default"

instructionobject(InstructionV2)required

Object that contains the payment type and details.

instruction.methodstringrequired

Type of payment method.

Value"ach"

Discriminator

instruction.valueobject(ValueV2)required

The value of the payment.

instruction.value.currencystringrequired

The supported ISO 4217 currency codes.

Enum"AED""AFN""ANG""AOA""ARS""AUD""AWG""AZN""BAM""BBD"

instruction.value.amountinteger(int64)[ 1 .. 2147483647 ]required

The amount in the lowest denomination of the currency, e.g. pennies for GBP, cents for USD.

Example: 1234

instruction.narrativeobject(NarrativeV2)required

instruction.narrative.line1string[ 1 .. 24 ] characters^[a-zA-Z0-9-., ]*$required

The description shown on your customer's bank statement for the payment.

Example: "MindPalace"

instruction.paymentInstrumentobject(AchPaymentInstrumentV2)required

instruction.paymentInstrument.typestringrequired

Enum"direct""checkout"

Discriminator

instruction.paymentInstrument.accountTypestringrequired

Account type.

Enum"checking""savings""corporate""corporateSavings"

Example: "checking"

instruction.paymentInstrument.accountNumberstring[ 1 .. 17 ] characters^[0-9]*$required

Account number of direct debit account.

Example: "123456789"

instruction.paymentInstrument.routingNumberstring= 9 characters^[0-9]*$required

Routing number of direct debit account.

Example: "123456789"

instruction.paymentInstrument.checkNumberstring[ 1 .. 15 ] characters^[0-9]*$

Check number of the direct debit account.

Example: "123456789"

instruction.paymentInstrument.companyNamestring[ 1 .. 40 ] characters

Company name if a corporate account.

Example: "Joe Plumbing Ltd."

instruction.paymentInstrument.billingAddressobject(AchBillingAddress)required

instruction.paymentInstrument.billingAddress.address1string[ 1 .. 80 ] charactersrequired

First line of the address.

instruction.paymentInstrument.billingAddress.address2string[ 1 .. 80 ] characters

Second line of the address.

instruction.paymentInstrument.billingAddress.address3string[ 1 .. 80 ] characters

Third line of the address.

instruction.paymentInstrument.billingAddress.postalCodestring[ 1 .. 15 ] charactersrequired

Postal code.

instruction.paymentInstrument.billingAddress.citystring[ 1 .. 50 ] charactersrequired

City.

instruction.paymentInstrument.billingAddress.statestring[ 1 .. 30 ] characters

State code of the billing address in ISO 3166-2 format.

Example: "US-OH"

instruction.paymentInstrument.billingAddress.countryCodestringrequired

The supported ISO 3166-1 alpha-2 country codes.

Enum"AD""AE""AF""AG""AI""AL""AM""AN""AO""AQ"

instruction.customerobject(CustomerDetailsAch)required

instruction.customer.emailstring[ 1 .. 128 ] characters^(.+@.+\..+)?$

Your customer's email address.

Example: "customer@example.com"

instruction.customer.firstNamestring[ 1 .. 22 ] charactersrequired

Your customer's first name.

instruction.customer.lastNamestring[ 1 .. 22 ] charactersrequired

Your customer's last name.

instruction.customer.customerIdstring[ 1 .. 15 ] characters[a-zA-Z0-9]*

Your unique reference for the customer so that the 'pay faster next time' function can be used during checkout. This allows your customer's chosen bank to be stored for their next payment.

Example: "44528abcd"

Response

Example response

{
  "paymentInstrument": {
    "method": "eft",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTyxQUry+EjhI+4Av0FZgKybTQW8Eq5Lj6LFzcEh8YV9gKLyAJXKJwZGztDqfCZz9C54i7Qm6PznXY+lb8gjX08QbPuM7eN9CDfUDc8S4J3uauHV:lzKfpwhCpCj20XtN:AkTEXfvJEm8PKFuVlX10AbTZIsCMVbuMS1sIqrgbendo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3FvyJdzRzXf3LyUgHUqZh:ulvr2BwGjsfY6y32HN+osTE4dworCDzhGpsvEwJ:GRwLUNfeKBzVqK6WhJGqM+s8XpCA==",
  "lastEvent": "authorized",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTyxQUry+EjhI+4Av0FZgKybTQW8Eq5Lj6LFzcEh8YV9gKLyAJXKJwZGztDqfCZz9C54i7Qm6PznXY+lb8gjX08QbPuM7eN9CDfUDc8S4J3uauHV:lzKfpwhCpCj20XtN:AkTEXfvJEm8PKFuVlX10AbTZIsCMVbuMS1sIqrgbendo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3FvyJdzRzXf3LyUgHUqZh:ulvr2BwGjsfY6y32HN+osTE4dworCDzhGpsvEwJ:GRwLUNfeKBzVqK6WhJGqM+s8XpCA=="
    }
  },
  "_actions": {},
  "redirect": "",
  "commandId": "cmdSQBwMoFu3i2bNWmLGZLid0"
}

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring

Enum"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"

_linksobject(Links)

Links to resources related to the request.

_actionsobject(ActionsV2)

redirectstring

The URL to redirect your customer to, or a QR code in Base64 to show to your customer, in order to complete the transaction.

commandIdstring

An action ID generated by us, identifying a single merchant interaction.

Example: "cmdYNdIHBPJwbkjLiykzTx0"

paymentInstrumentAll others (object) or PayPal (object) or SEPA DD (object) or Klarna (recurring) token (object)(PaymentInstrument)

Payment instrument details for the payment response.

One of:

Payment instrument for: ACH, Alipay China, Alipay Hong Kong, Alipay Plus, BANCOMAT Pay, Bancontact, Bizum, BLIK, EFT, Euteller, iDEAL guest, iDEAL recurring, Klarna, Klarna (recurring), Konbini, Multibanco, MyBank, Open Banking, PaysafeCard, Pix, Przelewy24, SafetyPay, Satispay, Swish, Trustly, China UnionPay, WeChat Pay.

transactionCodestring

For Pix payments - display to your customer for them to copy and paste in the Pix app.

For Swish payments - use this value as the {token} in the custom URL scheme: swish://paymentrequest?token={token}&callbackurl={callbackURL}. This will prompt the app to open, allowing your customer to complete their payment.

Example: "IZQ3iUfePwiWiwldJlipl8NGVA7w5IUg"

Errors

Check out our API reference for more responses or error codes.

Next steps

Manage your EFT payment.

Canada Electronic Funds Transfer (EFT)

Processing

Feature summary

Get started

Request

Example requests

Parameters

Response

Example response

Schema

Errors

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