CPA-005 — a pre-authorised debit and its NSF return (code 901)
A "D" pre-authorised debit of 899.00 followed by the "J" record that returns it. The return carries reason code 901 (insufficient funds) in the TRANSACTION TYPE field — where the payment would carry its payment type — while the original type 700 survives in the stored transaction type. Both are booked as debits, which is why the trailer declares 2 debits for 1,798.00.
CPA Standard 005 — Valid
A "D" pre-authorised debit of 899.00 followed by the "J" record that returns it. The return carries reason code 901 (insufficient funds) in the TRANSACTION TYPE field — where the payment would carry its payment type — while the original type 700 survives in the stored transaction type. Both are booked as debits, which is why the trailer declares 2 debits for 1,798.00.
What this file shows
A "D" pre-authorised debit of 899.00 followed by the "J" record that returns it. The return carries reason code 901 (insufficient funds) in the TRANSACTION TYPE field — where the payment would carry its payment type — while the original type 700 survives in the stored transaction type. Both are booked as debits, which is why the trailer declares 2 debits for 1,798.00.
| Transactions | 2 |
|---|---|
| Total | CA$1,798.00 |
| 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
D0000000020000012345000170000000899000261930004100101234567 0030003000001000000001000ACME PAYROLL CLIENT INC ACME MANUFACTURING INC USERID0001XREF-0001 0004100109876543 SUNDRY 0000000000000
J0000000030000012345000190100000899000261930004100101234567 0030003000001000000002700ACME PAYROLL CLIENT INC ACME MANUFACTURING INC USERID0001XREF-0001 0004100109876543 SUNDRY 00300030000010000000010000000000000
Z000000004000001234500010000000017980000000002000000000000000000000000000000000000000000000000000000000000000000
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 — the error correction folded into the debit total
- CPA-005 — credits (C) and debits (D) in one file, four pairs of totals balanced
- CPA-005 — Notice of Change file (U / S / V records, 208 characters)
- CPA-005 — transit 099999999 passes: there is no check digit in Canada