eBusiness Customer Automated Funds Transfer (CAFT)
eBusiness CAFT is a secure, easy-to-use online service that automates the transfer of funds, removing the time, effort and cost associated with cheques.

Whether you need to regularly pay employees or collect payments from your customers, eBusiness CAFT can help you do it safely, securely and efficiently. Essentially, it’s an easy-to-use online service that automates the transfer of funds, eliminating the time, effort and cost associated with cheques.


Reasons for Using eBusiness CAFT


  • Direct deposit for payroll
  • Accounts payable or receivable
  • Member/club dues or fees
  • Rent payments and condo fees
  • Utility payments
  • Donations


Key Benefits of Using eBusiness CAFT


  • Payments are always on-time
  • Manage your payments from virtually anywhere
  • Easy, safe and secure
  • No more waiting for cheques to clear
  • Compatible with most accounting software


Setting up your eBusiness CAFT account is a breeze and will likely save you a lot of time in the long run. Speak to one of our helpful staff members to get started.

Explore eBusiness CAFT

  • Online editing, help and reporting
  • Provides an audit trail
  • Multiple due date frequencies
  • Automatic due date calculation and release
  • Flexible search criteria
  • No limit on the number of users
  • Multiple user permission levels
  • Mass changes/updates
  • You receive email notification
  • Allows history viewing
  • No minimum number of transactions
  • Pre-settlement to ensure accuracy

To maintain access to the CUPS CAFT system you’ll need:


  • Basic computer skills
  • Desktop or Laptop computer
  • The secure website and encryption is not compatible with any mobile device including tablets
  • Internet access with Internet Explorer browser (IE11 or higher)
  • Adequate firewall protection with 128 bit encryption
  • Modem speed of 28.8 kbps or higher
  • Antivirus updated regularly
  • Confirmed and active corporate email address

We suggest printing off either the User Guide for Data Entry Users or the User Guide for File Upload Originator (depending on which originator type you have chosen). These CAFT User Guides will assist you with the setting up and transmittal of AFTs within CPA rules and standards.

Access User Manuals >                  View Tips >

The Canadian Payments Association (CPA) sets the rules that govern the movement of money by AFTs. Your credit union can suspend your eBusiness CAFT services at any time without notice for not complying with the procedures.

View CPA Rules >                             Review your Roles & Responsibilities >

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