Use these sample EFT files to ensure your dealer system is properly configured before connecting to addy.
🧪 What Are These EFT Test Files?
We’ve created two 80-byte sample EFT files to help third-party dealers test their EFT setup:
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Debit file – simulates pulling funds from accounts
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Credit file – simulates pushing funds to accounts
These are test-only files — they don’t contain real data and should only be used in sandbox environments.
📁 Files Included
TEST_DEBIT_EFT_FILE.txt – Debit format (for collecting funds)
TEST_CREDIT_EFT_FILE.txt – Credit format (for sending funds)
(please reach out to addy to request these files)
🧾 The Top Line: What You Need to Fill In
Each file starts with a header line that must be manually updated before testing. Here’s what each field means:
Originator ID – Your unique ID provided by your bank
Transaction Type – Use D for debit or C for credit
CPA Code – Use 260 (this is standard for EFT in Canada)
Date (DDMMYY) – two business days ahead for credit, one business day ahead for debit
Account Name – Your business account name, exactly 15 characters long, including whitespace
👉 If your account name is shorter than 15 characters, pad it with spaces at the end.
For example, if your account name is “ADDYEXAMPLE” (11 characters), add 4 spaces:
“ADDYEXAMPLE “ ← The next character in the file must start at byte 46.
✅ Transaction Rows (Pre-Filled)
The rows below the header simulate sample transactions with fictional recipient names and values.
These are provided as-is and don’t need to be edited unless you’re running custom tests.
🧮 Footer Line
The final line in each file starts with a T and includes totals to help validate that the file has parsed correctly.
⚠️ Common Formatting Issues
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Double-check your Originator ID – it must match what your bank expects
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Your account name must be exactly 15 characters, even if that means adding spaces
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Use standard UNIX line breaks (\n) – avoid Windows-style line endings
🔄 What Happens After You Go Live?
Once your EFT connection is complete, addy will handle the following fields automatically:
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Originator ID
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Submission date
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Recipient/member data
You’ll only need to use the manual file format during testing.
🙋♀️ Frequently Asked Questions
Q: What if my account name is longer than 15 characters?
You’ll need to shorten it — the EFT format doesn’t support names longer than 15 characters.
Q: Can I use these test files to move real money?
Nope. These are for validation only. Use them in your staging/test environment only.
Q: Can I test with a different CPA code?
These files use code 260. If you need something else, contact us directly.