Generate TD payment files without an ERP
Bank-ready TD EFT 80-byte payment files from a CSV. Built for small businesses, bookkeepers, and finance teams running TD payment runs without treasury software.
If you’re sending vendor or payroll payments through TD and don’t have an ERP — or your ERP doesn’t speak EFT to TD — your options usually come down to three: re-enter each run in TD Web Business Banking (you can save EFT templates, but every variance from the saved list is a manual edit through the portal UI), license desktop EFT software you’ll use once a week, or stitch together a payment file in a spreadsheet and hope TD accepts it.
PayFile Pro is the fourth option. Drop a CSV of payees in, get back a bank-ready TD payment file. No subscription, no payment data sent to our servers, credits that never expire.
Scope
PayFile Pro generates TD credit files (vendor and payroll disbursements). Debit files for pre-authorized debit (PAD) collections aren’t currently supported — email us if that’s something you need.
TD’s 80-byte EFT format
TD’s batch payment file format for business banking customers is the 80-byte EFT layout — a TD-specific record format used by businesses provisioned for EFT origination through TD Web Business Banking (or the newer TD Business Central platform). PayFile Pro generates this format with native validation against TD’s spec.
Open TD EFT 80-byte generator →
A note on TD’s 1464-byte format. TD also supports a 1464-byte EFT layout for some business banking profiles. PayFile Pro doesn’t currently generate the 1464-byte format — email us if your TD profile is provisioned for that format, and we’ll factor demand into the roadmap.
If you’re not sure which format your TD profile is configured for: ask the TD contact who set up your business banking profile. The format you submit must match the format your account is configured to accept. Sending the wrong format is one of the most common reasons TD rejects a file.
How it works
First time: a few minutes
- 1. Open the TD EFT 80-byte generator (here) and download the Excel (.xlsx) template. The template has every column pre-formatted as text, so leading zeros in transit numbers and account numbers stay intact.
- 2. Fill in your originator details and your payee list. Originator details are what TD needs to identify you as the file submitter: your Originator ID (a 10-digit code TD assigns to your business banking profile), your short company name (max 15 characters, used on bank statements), your file creation number, and the transit and account number of the funding account TD will debit. The payee list is everyone you might pay this month — full vendor list, not just this run.
- 3. Save the filled-out template as CSV, then upload to PayFile Pro. Open with Excel, edit, and use Save As → CSV (Comma delimited). PayFile Pro previews the file and validates it against TD’s format spec before generation. If anything’s off, you see it before the bank does. Hit generate, download your file, upload it through TD Web Business Banking.
Why XLSX as the working file, CSV for upload?
Excel will silently strip leading zeros from typed-in numeric fields, which breaks transit/account number formatting. The XLSX template is pre-formatted as text to prevent this. CSV is what PayFile Pro reads — saving from your XLSX preserves the formatting you already locked in.
Every run after: under a minute
Open last week’s XLSX (not the CSV — the XLSX preserves your text formatting). Update the date, file number, and amounts. Save as CSV. Upload, generate, done. Originator details and payee list stay put.
Skipping a vendor this run? Leave the amount blank — that row is automatically skipped and stays in your template for next week. Adding a new vendor? Add a row with their banking details once; they’re part of your reusable template from then on. The XLSX is your living payee list — you maintain it in one place and reuse it forever.
Files are generated entirely in your browser. Your account numbers, amounts, and payee list never touch our servers, our disk, or anything else.
When you’d reach for this instead of the alternatives
vs. TD Web Business Banking. TD’s portal will let you save EFT templates — that’s not where the time savings live. The difference is what happens when a run varies from the template. In the portal, skipping a vendor means actively excluding them from this run; adding a new vendor means filling in their banking details through the portal UI. Both actions are stateful — undone or repeated for every run that varies. With PayFile Pro, your Excel sheet is the template: skip a vendor by leaving the amount blank, add one by adding a row. The spreadsheet is the state; each run is just what’s in the amount column. PayFile Pro doesn’t replace TD Web Business Banking — it sits in front of it. You generate the file here, you submit it there.
vs. an ERP (NetSuite, SAP, Sage, QuickBooks Enterprise). If you already have an ERP doing AP, use it. If you don’t, an ERP is overkill to solve “send 30 EFT payments every two weeks.” PayFile Pro is for the gap between “the bank’s portal isn’t enough” and “we have an ERP.”
vs. desktop ACH/EFT software (Treasury Software’s ACH Universal, etc.). This is the closest competitor for a small business doing TD payment files without an ERP. ACH Universal handles US ACH/NACHA and Canadian EFT and integrates with QuickBooks. Where it differs from PayFile Pro: it’s installed Windows software (Mac users need an emulator like Parallels), licensing is annual subscription rather than prepaid credits, and the workflow is QuickBooks-tied rather than CSV-first. PayFile Pro generates TD’s bank-specific 80-byte EFT format with native templates and bank-specific validation built directly against TD’s spec. If you do US ACH, want phone support, and are already deep in QuickBooks, ACH Universal is a serious option — it’s been around since 1999 and is a NACHA Preferred Partner. If you want a browser-based tool that works on any OS, no subscription, and native templates built directly against TD’s specific format, PayFile Pro is the tighter fit.
vs. a hand-built spreadsheet that outputs TD 80-byte by hand. This works until it doesn’t. TD will reject files for a missing leading zero, a wrong record sequence, an incorrect Originator ID, a date in the wrong format, or any of two dozen other things. PayFile Pro validates against the spec before generation, so you find out the file is malformed in your browser, not from a bank rejection email three days later.
Frequently asked questions
What is TD's 80-byte EFT format?
TD’s 80-byte EFT layout is a TD-specific record format for batch payment files. Each record in the file is exactly 80 bytes. Files contain a header record, one credit record per payee, and a trailer record. It’s used by TD business banking customers who have been provisioned for EFT file origination through TD Web Business Banking (or the newer TD Business Central platform). PayFile Pro generates this format with native validation against TD’s spec.
Do I need to be a TD business banking customer to use PayFile Pro?
To submit a generated file, yes — your business needs to be set up with TD for batch payment origination. PayFile Pro generates the file; your TD business banking profile is what authorizes you to upload it. If you’re not sure whether your profile supports EFT origination, your TD business banking contact can confirm and provision it if needed.
What is an Originator ID, and how do I get one?
An Originator ID is a 10-digit unique identifier TD assigns to your business banking profile when your account is provisioned for EFT origination. It identifies you as the file submitter and goes on every payment file you generate, in the file header record. TD won’t post your Originator ID on a self-serve page — it’s specific to your business banking profile. Ask your TD business banking contact for it. (Different banks use different terms for the same kind of code — RBC calls theirs a “processing centre code,” BMO calls theirs an “Originator ID,” and so on. TD’s term is “Originator ID.”)
Will this work with TD Web Business Banking?
Yes. PayFile Pro generates the payment file; TD Web Business Banking is what you use to submit it. They’re complementary tools. You upload the file PayFile Pro generates directly to TD’s payment file upload feature — no integration or API connection required. The same flow works with TD Business Central (TD’s newer business banking platform), which also supports 80-byte EFT file uploads.
How is this different from saving a payment template in TD's portal?
TD Web Business Banking lets you save EFT templates, which is genuinely useful — that’s not the differentiator. The difference is what happens when a run varies from the template. In the portal, skipping a vendor means actively excluding them from this run, and adding a new vendor means filling in their banking details through the portal UI. Both actions are stateful and have to be undone or repeated for the next run. With PayFile Pro, your Excel sheet is the template. Leave an amount blank to skip a vendor — their row stays in next week’s template. Add a row to add a vendor — they’re part of your reusable template from then on. The spreadsheet is the state; each run is just what’s in the amount column.
Does PayFile Pro support TD's 1464-byte format?
Not currently. PayFile Pro’s TD generator produces TD’s 80-byte EFT format, which covers the most common business banking setup. TD also supports a 1464-byte EFT layout for some profiles. If your TD business banking profile is provisioned for the 1464-byte format, email hello@payfilepro.com — it’s on the roadmap and customer demand is what moves it up.
Can PayFile Pro generate TD debit files (PADs)?
Not currently. PayFile Pro generates TD credit files — vendor payments, payroll, supplier disbursements. Pre-authorized debit (PAD) collections aren’t supported. If debit file generation is something you need, email hello@payfilepro.com — it’s on the roadmap and customer demand is what moves it up.
What currency does PayFile Pro's TD generator support?
PayFile Pro’s TD EFT 80-byte generator produces CAD payment files. USD payments through TD are typically handled through different TD services or formats — talk to your TD business banking representative if you need USD EFT origination.
Is my payment data secure?
Yes. PayFile Pro generates files entirely in your browser. Account numbers, amounts, and payee lists never leave your machine — no upload to our servers, no storage on our disk, no transmission anywhere. The only data we store is your account info: email, company name, primary bank, credit balance.
What if TD rejects the file I generate?
PayFile Pro validates files against the format spec before generation, which catches most common rejection causes (wrong field length, missing required fields, invalid characters, malformed dates). If TD still rejects a file after generation, the most likely causes are: an incorrect Originator ID, an incorrect transit or account number for your funding account, a 1464-byte profile receiving an 80-byte file, or a rare edge case we haven’t seen yet. Email hello@payfilepro.com with the rejection message and we’ll help you debug.
How much does it cost to generate a TD payment file?
PayFile Pro uses prepaid credits. One credit per generated file. Credits never expire. Packs start at $10 USD for 5 credits ($2.00 per file) and scale to $1.50 per file at 50 credits. No subscription, no monthly minimum, no auto-renewal. Buy credits when you need them.
Ready to generate your first TD file?
Free preview before you buy — see the parsed file before you spend a credit.
Questions about TD’s format or your profile setup? Email us.
Sending payments through other banks?
Canadian banks
- RBC payment file generator → CPA005 and Standard 152
- BMO payment file generator → 1464 and EFT 80-byte
- CIBC payment file generator → CPA005, 1464, and EFT 80-byte
- Scotiabank payment file generator → CPA005 and ScotiaConnect EFT Import
- ATB Financial payment file generator → EFT 1464 (CPA005)
- Credit Unions payment file generator → CPA005 1464 (PaymentStream AFT)
US banks
- US ACH (any bank) payment file generator → NACHA ACH (PPD + CCD)
- JPMorgan Chase payment file generator → NACHA ACH (PPD + CCD)
- Bank of America payment file generator → NACHA ACH (PPD + CCD)
- Wells Fargo payment file generator → NACHA ACH (PPD + CCD)
- U.S. Bank payment file generator → NACHA ACH (PPD + CCD)
PayFile Pro is an independent software product. We are not affiliated with, endorsed by, or sponsored by TD. TD, TD Canada Trust, TD Web Business Banking, TD Business Central are trademarks of their respective owners.