> ## Documentation Index
> Fetch the complete documentation index at: https://docs.withacclaim.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Canada

> Payout methods, timing, transaction limits, and required fields for payouts to Canada.

## Supported payout methods

| Payout method               | Currencies | Typical timing    |
| --------------------------- | ---------- | ----------------- |
| Interac e-Transfer          | CAD        | 0-1 business days |
| EFT                         | CAD        | 0-1 business days |
| Bill Payment                | CAD        | 3-4 business days |
| International Wire Transfer | See below  | 0-3 business days |

Please refer to the sections below for the key required fields and other considerations for each supported method.

## Interac e-Transfer

Email or SMS-based money transfer

### Supported currencies

`CAD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Same day          |
| Typical delivery        | 0-1 business days |
| Business day dependency | Yes               |
| Supports instant        | Yes               |

### Transaction limits

| Limit type | Value      |
| ---------- | ---------- |
| Minimum    | None       |
| Maximum    | 25,000 CAD |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `CanadaInterac`
</ResponseField>

#### Recipient Email

<ResponseField name={"routing_value1"} type="string" required>
  Email address that will receive funds

  **Validation:**

  * `email_or_phone`

  **Example:** `john@example.com`
</ResponseField>

## EFT

Canadian EFT system for domestic transfers

### Supported currencies

`CAD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Same day          |
| Typical delivery        | 0-1 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value         |
| ---------- | ------------- |
| Minimum    | None          |
| Maximum    | 2,000,000 CAD |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `CanadaEft`
</ResponseField>

#### Institution Number

<ResponseField name={"routing_value1"} type="string" required>
  3-digit bank identification number

  **Validation:**

  * Exactly 3 characters.
  * Must match this regular expression: `^[0-9]{3}$`

  **Example:** `003`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `institution_number`
</ResponseField>

#### Transit Number

<ResponseField name={"routing_value2"} type="string" required>
  5-digit branch identification number

  **Validation:**

  * Exactly 5 characters.
  * Must match this regular expression: `^[0-9]{5}$`

  **Example:** `00001`
</ResponseField>

#### Routing Type 2

<ResponseField name={"routing_type2"} type="string" required>
  **Value:** `transit_number`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  **Validation:**

  * Between 7 and 12 characters (inclusive).
  * Must match this regular expression: `^[0-9]{7,12}$`

  **Example:** `1234567`
</ResponseField>

## Bill Payment

Canadian Bill Payment system

### Supported currencies

`CAD`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Business days     |
| Typical delivery        | 3-4 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value |
| ---------- | ----- |
| Minimum    | None  |
| Maximum    | None  |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `CanadaBillPayment`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `biller_id`
</ResponseField>

#### Biller ID

<ResponseField name={"routing_value1"} type="string" required>
  6-digit number to identify the biller

  **Validation:**

  * Exactly 6 characters.
  * Must match this regular expression: `^[0-9]{6}$`

  **Example:** `990001`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  **Validation:**

  * At most 50 characters.

  **Example:** `Enter account number`
</ResponseField>

## International Wire Transfer

International wire transfer via SWIFT network

### Supported currencies

`AUD`, `CAD`, `CHF`, `CNY`, `CZK`, `DKK`, `EUR`, `GBP`, `HKD`, `HUF`, `ILS`, `JPY`, `NOK`, `NZD`, `PLN`, `RON`, `SEK`, `SGD`, `THB`, `TRY`, `USD`, `ZAR`

### Timing

| Attribute               | Value             |
| ----------------------- | ----------------- |
| Processing window       | Business days     |
| Typical delivery        | 0-3 business days |
| Business day dependency | Yes               |
| Supports instant        | No                |

### Transaction limits

| Limit type | Value |
| ---------- | ----- |
| Minimum    | None  |
| Maximum    | None  |

### Fields

#### Payout Method Type

<ResponseField name={"payout_method_type"} type="string" required>
  **Value:** `SwiftInternational`
</ResponseField>

#### Currency

<ResponseField name={"currency"} type="string" required>
  **Value:** One of `AUD`, `CAD`, `CHF`, `CNY`, `CZK`, `DKK`, `EUR`, `GBP`, `HKD`, `HUF`, `ILS`, `JPY`, `NOK`, `NZD`, `PLN`, `RON`, `SEK`, `SGD`, `THB`, `TRY`, `USD`, `ZAR`
</ResponseField>

#### Recipient Bank SWIFT/BIC Code

<ResponseField name={"swift_code"} type="string" required>
  8 or 11 character SWIFT code of recipient bank

  **Validation:**

  * Between 8 and 11 characters (inclusive).
  * Must match this regular expression: `^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$`
  * `bic`

  **Example:** `CIBCCATT`
</ResponseField>

#### Routing Type

<ResponseField name={"routing_type1"} type="string" required>
  **Value:** `bic`
</ResponseField>

#### Intermediary Bank SWIFT/BIC

<ResponseField name={"routing_value1"} type="string" required={false}>
  Optional, only needed if routing through correspondent bank

  **Validation:**

  * Between 8 and 11 characters (inclusive).
  * Must match this regular expression: `^[A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?$`
  * `bic`

  **Example:** `CHASUS33`
</ResponseField>

#### Account Number

<ResponseField name={"account_number"} type="string" required>
  **Validation:**

  * Between 7 and 35 characters (inclusive).
  * Must match this regular expression: `^[a-zA-Z0-9]{7,35}$`

  **Example:** `7751788`
</ResponseField>

### Notes

* All payments sent via SWIFT will be instructed such that the full value of the payment should credit the beneficiary. However, Acclaim is not in control of intermediary bank adherence to SWIFT messages and cannot guarantee that the beneficiary bank will not charge their account holder for receipt of payment.