Payments Canada Developer Portal

Payments Rail API

These illustrative APIs are built with the purpose of allowing consumers to envision how a future real time payments rail will look and function. These APIs are based on the ISO 20022 messaging standard and are subject to change and evolve with the needs of the ecosystem.

payments-rail-api-resources-sandbox

Method
Description
POST 

Account Validation

https://api.payments.ca/payments-rail/account_validation
This API simulates validating an account within the payment rails. This can be used for several purposes including account verification, and account fraud detection. Data Model Sample Request Postman collection Angular Application Please note: You will need to download the sample request, modify it and attach it to the form to execute this API.
POST 

Payment Initiation

https://api.payments.ca/payments-rail/payment_initiation
Payment Initiation enables consumers to initiate a payment directly from a bank account. Sample Request Postman collection Angular Application Please note: You will need to download the sample request, modify it and attach it to the form to execute this API.
POST 

Request To Pay

https://api.payments.ca/payments-rail/request_to_pay
Request to Pay will allow any business or individual to send an electronic request for payment to the debtor. The request will be received by the debtor containing information such as the requested amount and the due date. Sample Request Postman collection Angular Application Please note: You will need to download the sample request, modify it and attach it to the form to execute this API.