Generate Central 1 PaymentStream AFT credit files for participating credit unions.
All file generation runs entirely in your browser — no banking data is sent to any server.
This generator produces files for participating credit unions using Central 1 / PaymentStream AFT. Generated files conform to the Central 1 AFT format. Files with an invalid format will be rejected by PaymentStream.
Ensure your originator ID, originator names, and return account details match your institution setup exactly as configured with your credit union.
File creation date must be within ±7 calendar days of the date the file is validated by PaymentStream. Files outside this window will be rejected.
Credit due dates cannot be more than 30 calendar days before or more than 45 calendar days after the file creation date.
CAD and USD are both supported, but all payments in a single file must use the same currency. Set currency in the file settings section.
Destination Data Centre: use 86900 for most credit unions, or 86920 for Ontario-based credit unions only. Confirm with your credit union if unsure.
Transaction code is hardcoded to 460 (credit). This generator does not support debit transactions.
The file you generate is a draft until you release it in your bank’s portal, and the release step is where the payment gets reviewed. That review is independent of this site: the bank reads the file with its own software, and what you confirm there does not depend on anything this site got right. Before you release it, confirm the counterparties, the amounts and the direction against your own records. Until then it is only a file on your computer.
Most users upload a prepared CSV. Use Enter in Browser to build a file manually or test with a small batch.
Download the Excel template or sample CSV, fill in your originator details and credit payments, export to CSV, then upload here.
Use the Excel template to edit. Export to CSV only when ready to upload.