**Last updated**: 17 November 2025 | [**Change log**](/products/apms/changelog/)

# Canada Electronic Funds Transfer (EFT)

A direct debit for Canada based merchants.

EFT allows your customers to pay by transferring funds directly from their bank account.

details
summary
Product overview
### Processing

Processing of EFT transactions happens overnight (or the next available working day at weekends and holidays). The handling bank issues regular reports outlining the successful and failed payments. Once the payment is successful, you can release the goods and services to the customer.

### Feature summary

| Payment type | Countries | Currencies | Recurring | Reversals | Partial reversals | Chargebacks |
|  --- | --- | --- | --- | --- | --- | --- |
| Direct Debit | CA | CAD | ❌ | ✅ | ❌ | ❌ |


 In some cases you may wish to cancel a sale request. You can do this using a [reversal request](/products/apms/openapi/payment-lifecycle/reverse). You must do this within three hours of the sale request, on the same Canada business day, or it will be processed as a refund.

If your original reversal is not successful for any reason, you must re-send the reversal request after the three hour timeframe in order to make a refund request. 

Note
Chargebacks and refunds can occur, and are managed directly at acquirer level.

## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay-bsh.securedataplatform.com/apmPayments`

### Example requests

### Parameters

## Response

#### Successful request response

* an HTTP code 201
* a `paymentId` which is unique to the payment. Store this "id" to be able to manage the payment later
* a url to redirect your customer to the APM provider to complete the payment
* a link to query the payment status
* an object which will give flow information such as `method` (e.g. `eft`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "paymentInstrument": {
    "method": "eft",
    "type": "direct"
  },
  "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTyxQUry+EjhI+4Av0FZgKybTQW8Eq5Lj6LFzcEh8YV9gKLyAJXKJwZGztDqfCZz9C54i7Qm6PznXY+lb8gjX08QbPuM7eN9CDfUDc8S4J3uauHV:lzKfpwhCpCj20XtN:AkTEXfvJEm8PKFuVlX10AbTZIsCMVbuMS1sIqrgbendo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3FvyJdzRzXf3LyUgHUqZh:ulvr2BwGjsfY6y32HN+osTE4dworCDzhGpsvEwJ:GRwLUNfeKBzVqK6WhJGqM+s8XpCA==",
  "lastEvent": "authorized",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtZGVmYXVsdCIsImxpbmtWZXJzaW9uIjoiNi4wLjAifQ==.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTyxQUry+EjhI+4Av0FZgKybTQW8Eq5Lj6LFzcEh8YV9gKLyAJXKJwZGztDqfCZz9C54i7Qm6PznXY+lb8gjX08QbPuM7eN9CDfUDc8S4J3uauHV:lzKfpwhCpCj20XtN:AkTEXfvJEm8PKFuVlX10AbTZIsCMVbuMS1sIqrgbendo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3FvyJdzRzXf3LyUgHUqZh:ulvr2BwGjsfY6y32HN+osTE4dworCDzhGpsvEwJ:GRwLUNfeKBzVqK6WhJGqM+s8XpCA=="
    }
  },
  "_actions": {},
  "redirect": "",
  "commandId": "cmdSQBwMoFu3i2bNWmLGZLid0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your EFT payment](/products/apms/manage/).