Generate EFT Files for Your Clients
One tool. All your clients. Any accounting software.
Generate CPA-005 files without per-client or per-transaction fees.
The multi-client payment challenge
When you manage payments for multiple clients, you face a problem:
- Different accounting systems: Client A uses QuickBooks, Client B uses Sage, Client C uses spreadsheets
- Different banks: RBC, TD, BMO, Scotiabank—various business portals
- Per-transaction pricing: Most services charge per payment—costs add up across clients
- Per-client licensing: Some tools want you to pay for each client separately
EFT Flow: One license, all clients
Import from any accounting software. Generate CPA-005 for any bank. No per-client fees. No per-transaction fees.
$95/month covers all your clients. Or $2,990 once, forever.
How it works
Export from their QuickBooks, Sage, Xero, or any system. Or they send you their Excel list.
Drag and drop. Map columns to the right fields (saved per client).
Each client has their own originator settings, recipient list, and bank preferences.
Bank-ready file created with client's originator credentials.
Send them the file, or upload to their business banking portal if you have access.
Built for multi-client workflows
Separate client profiles
- Each client has their own originator ID
- Separate recipient/vendor lists per client
- Saved column mappings per client's export format
- Switch between clients in seconds
Flexible import
- Client A exports from QuickBooks
- Client B exports from Sage
- Client C emails you an Excel file
- All work—you just map columns once
Common use cases
Client payroll
Client calculates payroll (or you do). You generate the direct deposit file. They upload to their bank or you upload for them.
Accounts payable runs
Client approves vendor payments. You export from their accounting software. Generate EFT file. Vendors paid via direct deposit.
Property management clients
Generate owner distribution files for PM clients. One flat fee regardless of how many units they manage.
Value-add service
Offer EFT file generation as part of your bookkeeping package. Differentiates you. Saves clients from per-transaction services.
Cost comparison for accounting firms
If you manage payments for 5 clients with 50 payments each per month (250 total):
| Approach | Monthly Cost | Annual Cost |
|---|---|---|
| Per-transaction service (~$1/payment) | ~$250/month | ~$3,000/year |
| Per-client licensing (~$50/client) | ~$250/month | ~$3,000/year |
| EFT Flow monthly | $95/month | $1140/year |
| EFT Flow lifetime | $0 after purchase | $2,990 once |
The math: At $95/month, EFT Flow costs 38¢ per payment (at 250 payments/month). As you add clients, the per-payment cost drops even further—but your price stays the same.
Works with all your clients' software
QuickBooks
Desktop or Online. Export vendor payments, import into EFT Flow.
Sage 50 / 300
Export AP or payroll reports. Map columns once per client.
Xero
Export batch payments or AP reports. Import into EFT Flow.
Wave
Export to CSV, import into EFT Flow.
FreshBooks
Export vendor payments, import into EFT Flow.
Any Excel/CSV
Client sends you a spreadsheet? Import it directly.
"I run payroll for 8 clients. Each one used to need their own solution. Now I use one tool, one workflow, one price. My clients pay less and I work faster."
FAQ for accountants & bookkeepers
How do I keep clients' data separate?
EFT Flow supports multiple originator profiles. Each client has their own profile with their originator ID, recipient list, and saved mappings. Switch between clients from a dropdown. Data never mixes.
Does my client need to buy EFT Flow too?
No. You generate the file, they upload it to their bank (or you upload for them if you have access). The client just needs their bank's business portal set up for EFT file uploads.
What if different clients use different accounting software?
No problem. EFT Flow imports any CSV or Excel file. You map columns once per client/format and save the mapping. Client A's QuickBooks export maps one way, Client B's Sage export maps another.
Can I charge clients for this service?
Absolutely. Many accountants include EFT file generation in their bookkeeping package or charge a small fee per run. Your $95/month covers all clients, so any revenue is margin.
What about each client's originator ID?
Each client needs their own Payments Canada originator ID (obtained through their bank). You enter each client's originator ID in their EFT Flow profile. Files are generated with the correct ID for each client.
Is there a limit to how many clients I can manage?
No. One EFT Flow license covers unlimited client profiles. 5 clients or 50—same price.
Ready to simplify client payments?
One tool for all your clients. Any accounting software. Any bank. $95/month—unlimited clients, no per-payment fees.