CPA-005 — credits (C) and debits (D) in one file, four pairs of totals balanced
A 1464-character AFT file mixing both directions: a "C" record with two payroll deposits (3 750.50) and a "D" record with two pre-authorised debits (1 349.25). C is the CREDIT and D the DEBIT — several published summaries have them the other way round. The Z trailer balances on the four pairs of totals Standard 005 defines (D+J, C+I, E on its own, F on its own), here with the E and F counters at zero.
CPA Standard 005 — Valid
A 1464-character AFT file mixing both directions: a "C" record with two payroll deposits (3 750.50) and a "D" record with two pre-authorised debits (1 349.25). C is the CREDIT and D the DEBIT — several published summaries have them the other way round. The Z trailer balances on the four pairs of totals Standard 005 defines (D+J, C+I, E on its own, F on its own), here with the E and F counters at zero.
What this file shows
A 1464-character AFT file mixing both directions: a "C" record with two payroll deposits (3 750.50) and a "D" record with two pre-authorised debits (1 349.25). C is the CREDIT and D the DEBIT — several published summaries have them the other way round. The Z trailer balances on the four pairs of totals Standard 005 defines (D+J, C+I, E on its own, F on its own), here with the E and F counters at zero.
| Transactions | 4 |
|---|---|
| Total | CA$5,099.75 |
| Date in the file | 2026-07-12 |
Every party, IBAN and amount below is fictitious. The IBANs are structurally valid — they pass the mod-97 check — but they belong to no real account.
File content
A0000000010000012345000102619300300 CAD
C0000000020000012345000120000001500000261930004100101234567 0030003000001000000001000ACME PAYROLL JEAN TREMBLAY ACME MANUFACTURING INC XREF-C-0001 0004100109876543 PAYROLL 0000000000000000000000000000000000020000002250500261930003100027654321 0030003000001000000002000ACME PAYROLL MARIE LEBLANC ACME MANUFACTURING INC XREF-C-0002 0004100109876543 PAYROLL 00000000000000000000000000000000000
D0000000030000012345000170000000899000261930002100015556667 0030003000001000000003000ACME BILLING BOREAL CAFE LTD ACME MANUFACTURING INC XREF-D-0001 0004100109876543 SUBSCRIPTION 0000000000000000000000000000000000070000000450250261930000100234443332 0030003000001000000004000ACME BILLING LAC SIMON SPORTS ACME MANUFACTURING INC XREF-D-0002 0004100109876543 SUBSCRIPTION 00000000000000000000000000000000000
Z000000004000001234500010000000013492500000002000000003750500000000200000000000000000000000000000000000000000000
How we know these results hold
Every file in this library is run through the site's own validator on each build. The expected result stated above is asserted by an automated test — if a file stopped matching what this page claims, the build would fail. Two inherited fixtures were repaired this way before publication: three IBANs failed the mod-97 check and several names used characters outside the basic SEPA character set.
CPA-005 / AFT payment file (Canada)
- CPA-005 — payroll direct deposit (two credits in one record)
- CPA-005 — a pre-authorised debit and its NSF return (code 901)
- CPA-005 — the error correction folded into the debit total
- CPA-005 — Notice of Change file (U / S / V records, 208 characters)
- CPA-005 — transit 099999999 passes: there is no check digit in Canada