Accept Global Pay/EFT Canada
LoanPro has an integration with Accept Global Pay (formerly EFT Canada), which processes payments for Canadian e-check accounts.
Before you set up a processor, you'll need to sign up with EFT Canada. Once you've been approved, they'll give you credentials that you can enter into Secure Payments.
Setup
You can set up an Accept Pay Global processor in either Secure Payments or our loan management system (LMS). No matter where you set it up, they will link to each other.
From Secure Payments
In Secure Payments, navigate to Settings > Processors > Bank Account EFT (Canada) > EFT Canada. Here, you'll see a list of all the EFT Canada processors you've created.
When you click the blue plus + icon in the top right corner, you'll be able to create a new one.
You'll see the following fields:
| Setting | Description |
| Name | A text field where you can input a name for the processor. If you're using several EFT processors, we recommend coming up with a naming scheme so you can easily tell which processor is which. |
| Username | Your username with EFT Canada. This is created when you sign up with them. |
| Signature Key | This helps the processor identify the merchant and will be provided by EFT Canada. |
| API Token | Your API credentials from EFT Canada, which they give you after you've signed up and been approved. |
| Auto Reversal | If Auto Reversal is on, then failed transactions Secure Payments will automatically reverse them in LMS. |
| PAD Type | The pre-authorization debit (PAD) type tells what kind of Options are “Personal” and “Business”. |
| Type Code | This code specifies the type of transaction. For a full list of possible codes, expand the list below. |
| Bypass Processing | If bypass processing is turned on, then Secure Payments won't actually send this transaction to EFT Canada. This can help you test that everything in LMS and Secure Payments is working correctly without needing to actually move any funds. |
| Demo Account/Demo Mode | This lets you toggle between demo mode and live mode. In demo mode, LoanPro will send data to EFT Canada and receive responses, but it will not send actual payment data to the borrowers' banks and no payments will be processed. This lets you test that data is being sent to EFT Canada without moving money. |
Once you've set up your EFT Canada processor, click ‘Save.’ You are now ready to begin processing payments.
From LMS
In LMS, navigate to Settings > Company > Merchant > Secure Payments. (It's actually the first page you'll land on when you click Settings > Company.) There are five tabs on this page; you'll want to click Bank Account/EFT (Canada).
This page will show any existing EFT processors you've created: EFT Canada, VersaPay, and CPA-005. When you click ‘Add Processor’, you'll be able to create a new one.
Start by clicking Processor Type and selecting ‘EFT Canada’. You'll then see the following settings:
| Setting | Description |
| Processor Name | A text field where you can input a name for the processor. If you're using several EFT processors, we recommend coming up with a naming scheme so you can easily tell which processor is which. |
| API Token | Your API credentials from EFT Canada, which they give you after you've signed up and been approved. |
| API Key | This is your processor API key. |
| Fund Token | This is a token provided by the processor that is needed to send funds to your bank account. |
| Demo Mode | This lets you toggle between demo mode and live mode. In demo mode, LoanPro will send data to EFT Canada and receive responses, but it will not send actual payment data to the borrowers' banks and no payments will be processed. This lets you test that data is being sent to EFT Canada without moving money. |
| Auto Reversal | If Auto Reversal is on, then failed transactions Secure Payments will automatically reverse them in LMS. |
| *Default Processor | This option only appears in LMS. If this is set as your default processor, than any payment logged with EFT as the payment method will automatically select this processor. This won't lock you into that choice, however; you can manually select another processor if you prefer. (Also note that a merchant processor group saved to the loan will override this default.) |
Once you've set up your EFT Canada processor, click ‘Save.’ You are now ready to begin processing payments.
PAD type codes
| CPA CODE | Valid Payment Types | Description |
| 200 | Credit or Debit | 200 Payroll Deposit |
| 201 | Credit or Debit | 201 Special Payroll |
| 202 | Credit or Debit | 202 Vacation Payroll |
| 203 | Credit or Debit | 203 Overtime Payroll |
| 204 | Credit or Debit | 204 Advance Payroll |
| 205 | Credit or Debit | 205 Commission Payroll |
| 206 | Credit or Debit | 206 Bonus Payroll |
| 207 | Credit or Debit | 207 Adjustment Payroll |
| 230 | Credit or Debit | 230 Pension |
| 231 | Credit or Debit | 231 Federal Pension |
| 232 | Credit or Debit | 232 Provincial Pension |
| 233 | Credit or Debit | 233 Private Pension |
| 240 | Credit or Debit | 240 Annuity |
| 250 | Credit or Debit | 250 Dividend |
| 251 | Credit or Debit | 251 Common Dividend |
| 252 | Credit or Debit | 252 Preferred Dividend |
| 260 | Credit or Debit | 260 Investment |
| 261 | Credit or Debit | 261 Mutual Funds |
| 265 | Credit or Debit | 265 Spousal RSP Contribution |
| 266 | Credit or Debit | 266 RESP Contribution |
| 271 | Credit or Debit | 271 RSP Contribution |
| 272 | Credit or Debit | 272 Retirement Income Fun |
| 273 | Credit or Debit | 273 Tax Free Savings Account TFS/CLI |
| 274 | Credit or Debit | 274 RDSP Contribution RDP/REI |
| 280 | Credit or Debit | 280 Interest |
| 281 | Credit or Debit | 281 Lottery Prize Payment |
| 300 | Credit or Debit | Restricted – Government Use Only - 300 Federal Government |
| 301 | Credit or Debit | Restricted – Government Use Only - 301 Agriculture Stabilization Payments |
| 302 | Credit or Debit | Restricted – Government Use Only - 302 Canadian Dairy Commission |
| 303 | Credit or Debit | Restricted – Government Use Only - 303 HRDC - Training |
| 308 | Credit or Debit | Restricted – Government Use Only - 308 Child Tax Credit |
| 309 | Credit or Debit | Restricted – Government Use Only - 309 Goods and Services Tax |
| 310 | Credit or Debit | Restricted – Government Use Only - 310 Canada Pension Plan |
| 311 | Credit or Debit | Restricted – Government Use Only - 311 Old Age Security |
| 312 | Credit or Debit | Restricted – Government Use Only - 312 War Veterans' Allowances |
| 313 | Credit or Debit | Restricted – Government Use Only - 313 Canadian Pension Commission |
| 314 | Credit or Debit | Restricted – Government Use Only - 314 Family Allowances |
| 315 | Credit or Debit | Restricted – Government Use Only - 315 Public Service Superannuation |
| 316 | Credit or Debit | Restricted – Government Use Only - 316 Canadian Forces Superannuation |
| 317 | Credit or Debit | Restricted – Government Use Only - 317 Tax Refunds |
| 318 | Credit or Debit | Restricted – Government Use Only - 318 Employment Insurance |
| 319 | Debit | Restricted – Government Use Only - 319 Dbt CCRA Government of Canada |
| 320 | Credit or Debit | Restricted – Government Use Only - 320 Government Student Loans |
| 321 | Credit or Debit | Restricted – Government Use Only - 321 CSB Interest |
| 322 | Credit or Debit | Restricted – Government Use Only - 322 External Affairs |
| 323 | Credit or Debit | Restricted – Government Use Only - 323 Canada Savings Plan |
| 330 | Credit or Debit | 330 Insurance |
| 331 | Credit or Debit | 331 Life Insurance |
| 332 | Credit or Debit | 332 Auto Insurance |
| 333 | Credit or Debit | 333 Property Insurance |
| 334 | Credit or Debit | 334 Casualty Insurance |
| 335 | Credit or Debit | 335 Mortgage Insurance |
| 336 | Credit or Debit | 336 Health/Dental Claim Insurance |
| 350 | Credit or Debit | 350 Loans |
| 351 | Credit or Debit | 351 Personal Loans |
| 352 | Credit or Debit | 352 Dealer Plan Loans |
| 353 | Credit or Debit | 353 Farm Improvement Loans |
| 354 | Credit or Debit | 354 Home Improvement Loans |
| 355 | Credit or Debit | 355 Term Loans |
| 356 | Credit or Debit | 356 Insurance Loans |
| 370 | Credit or Debit | 370 Mortgage |
| 371 | Credit or Debit | 371 Residential Mortgage |
| 372 | Credit or Debit | 372 Commercial Mortgage |
| 373 | Credit or Debit | 373 Farm Mortgage |
| 380 | Credit or Debit | 380 Taxes |
| 381 | Credit or Debit | 381 Income Taxes |
| 382 | Credit or Debit | 382 Sales Taxes |
| 383 | Credit or Debit | 383 Corporate Taxes |
| 384 | Credit or Debit | 384 School Taxes |
| 385 | Credit or Debit | 385 Property Taxes |
| 386 | Credit or Debit | 386 Water Taxes |
| 400 | Credit or Debit | 400 Rent/Leases |
| 401 | Credit or Debit | 401 Residential Rent/Leases |
| 402 | Credit or Debit | 402 Commercial Rent/Leases |
| 403 | Credit or Debit | 403 Equipment Rent/Leases |
| 404 | Credit or Debit | 404 Automobile Rent/Leases |
| 405 | Credit or Debit | 405 Appliance Rent/Leases |
| 420 | Credit or Debit | 420 Cash Management |
| 430 | Credit or Debit | 430 Bill Payment |
| 431 | Credit or Debit | 431 Telephone Bill Payment |
| 432 | Credit or Debit | 432 Gasoline Bill Payment |
| 433 | Credit or Debit | 433 Hydro Bill Payment |
| 434 | Credit or Debit | 434 Cable Bill Payment |
| 435 | Credit or Debit | 435 Fuel Bill Payment |
| 436 | Credit or Debit | 436 Utility Bill Payment |
| 437 | Credit or Debit | 437 Internet Access Payment |
| 438 | Credit or Debit | 438 Water Bill Payment |
| 439 | Credit or Debit | 439 Auto Payment |
| 450 | Credit or Debit | 450 Misc. Payments |
| 451 | Credit or Debit | 451 Customer Cheques |
| 452 | Credit or Debit | 452 Expense Payment |
| 460 | Credit or Debit | 460 Accounts Payable |
| 470 | Credit or Debit | 470 Fees/Dues |
| 480 | Credit or Debit | 480 Donations |
| 600 | Credit or Debit | Restricted – Government Use Only - 600 Provincial Government |
| 601 | Credit or Debit | Restricted – Government Use Only - 601 Family Support Plan |
| 602 | Credit or Debit | Restricted – Government Use Only - 602 Housing Allowance |
| 603 | Credit or Debit | Restricted – Government Use Only - 603 Income Security Benefits |
| 604 | Credit or Debit | Restricted – Government Use Only - 604 Provincial Family Benefits |
| 605 | Credit or Debit | Restricted – Government Use Only - 605 Combined Fed-Prov/Terr Payment |
| 606 | Credit or Debit | Restricted – Government Use Only - 606 Workers' Compensation Board |
| 607 | Credit or Debit | Restricted – Government Use Only - 607 Employment Assistance Allowance |
| 608 | Credit or Debit | Restricted – Government Use Only - 608 Automobile Insurance Plan |
| 609 | Credit or Debit | Restricted – Government Use Only - 609 Provincial Health Care Premium |
| 610 | Credit or Debit | Restricted – Government Use Only - 610 Offences and Fines |
| 650 | Debits | 650 Inter-FI Funds Transfer Debit |
| 700 | Credit or Debit | 700 Business PAD Reserved for Business Pre-Authorized Debits (PADs) |
Once you've got your processor set up in LMS, you'll be able to select that processor when logging payments. Our logging payments article gives you the step by step instructions.
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