EFT Generator for Node

Forked from cityssm/node-eft-generator.

Formats Electronic Funds Transfer (EFT) data into the CPA 005 standard.

Supports credit (C) and debit (D) record types. Other logical record types are not supported.

✔️ Output parsed successfully by BMO.

Installation

npm install @rationalthinker1/eft-generator
# or
yarn add @rationalthinker1/eft-generator

Usage

import fs from 'node:fs'
import { BankPADInformation, EFTFileBuilder } from '@rationalthinker1/eft-generator'

const { bankInstitution, bankTransit, bankAccount } = BankPADInformation

const eftFile = new EFTFileBuilder({
  originatorId: '0123456789',
  originatorShortName: 'SSM',
  originatorLongName: 'The City of Sault Ste. Marie',
  fileCreationNumber: '0001'
})

eftFile.addDebitTransaction({
  bankInstitutionNumber: bankInstitution('003'), // RBC
  bankTransitNumber: bankTransit('22222'),
  bankAccountNumber: bankAccount('333333333'),
  cpaCode: '385', // Property Taxes
  amount: 1234.56,
  payeeName: 'Test Property Owner'
})

// `generate()` runs the strict validator first; any spec violation
// throws before any output is written.
const { output, lines } = eftFile.generate()

fs.writeFileSync('cpa005.txt', output)

output is the CPA-005 string. lines is a per-record breakdown — one entry per logical record (header, each transaction, trailer). Each entry maps every @Field-decorated property to { before, after }, where before is the raw instance value coerced to a string and after is the on-the-wire value rendered for that field. A transaction entry is a flat array of its segments' field-value records.

The validator can also be invoked directly:

eftFile.validate() // returns void; throws on any violation

Resources

• Canadian Payments Association Standard 005
• Royal Bank CPA-005 Reference (RBC source)
• BMO Electronic Funds Transfer Client Manual

Related Projects

CPA Codes for Node Lookups, validations, and utility functions for Canadian Payments Association (CPA) Standard 007 transaction and return codes.