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In response to the COVID-19 Pandemic we are monitoring the situation and keeping Members informed here: COVID-19 Resources

Automated Funds Transfer

PaymentStream™ Automated Funds Transfer (AFT) is a service that facilitates processing and settlement of pre-authorized debits and direct deposit transactions. As a business member, you can pay your employees via direct deposit, or you can debit your customers’ accounts for contractual monthly fees. PaymentStream™ AFT provides the convenience of not having to write cheques for payroll, or collect cheques from customers for monthly fees.

PaymentStream™ AFT Features

  • Continued AFT service types- file upload, data entry with manual release, data entry with automatic release
  • Enhanced originator ID limits for transactions to assist with risk mitigation
  • Real-time file validation during file upload and release process - allows users to receive immediate notification if file upload or release is unsuccessful, or if there are rejections of any individual transactions within the file
  • For File Upload and Manual Release email confirmations sent only when a file is validated successfully.
  • Added risk controls for dual authorization
  • Added risk threshold controls
  • Canadian or U.S. dollar transactions can be originated as long as the recipient’s account is held at a Canadian financial institution
  • Ability for individual record release
  • Ability to release AFT transactions up to 14 calendars days in advance
  • Ability to download AFT product reports in CSV and PDF formats
  • Retention history for up to 18 months


PaymentStream™ AFT introduces 2-Step Security. 2-Step Security is a method of authenticating a user by confirming two factors of authentication: a username and password, plus a physical Hard Token or Soft Token Application. The token is required to access the new PaymentStream™ AFT application.

The Soft Token is installed on a user's trusted device, Smartphone, tablet or iPad. The device must have an authenticator app installed for the security process to work. The Google Authenticator app is recommended. The Hard Token is a physical device that can be requested from NPSCU.