Stop entering payments one by one.
Your Excel export + 3 clicks = bank-ready payment file.
Works with QuickBooks, Sage, or any CSV. Accepted by every Canadian bank.
You know this frustration
- Hours spent manually entering payments into your bank portal
- Rejected files with cryptic error messages at 4:47pm on payday
- Per-transaction fees eating your margins month after month
- QuickBooks exports that your bank simply won't accept
- Software that looks like it was built in 1998
There's a better way.
EFT Flow takes the payment list you already have and turns it into the file your bank actually wants. Map your columns once. Export forever.
Three clicks to done
Your existing workflow doesn't change. We just make it faster.
Excel, CSV, QuickBooks export—anything.
Bank details already saved. Auto-matched.
CPA-005 format. Validated before you upload.
10 payment runs. 1 hour 36 minutes saved.
All your vendors. All their bank details. One place.
See exactly what you're sending. Before you send it.
What customers say
"We manage 180 units across 12 buildings. Owner distributions used to take half a day. Now it's 20 minutes. The flat pricing means we're not penalized for growth."
"Our AP person was spending 4 hours every pay run manually entering payments. First month with EFT Flow, she asked what else she should be doing with her time."
"I handle payroll for 6 clients. Before, each one was paying for their own service. Now I use one tool for all of them. Clients are happy, I'm happy."
Built for Canadian businesses that pay people
Payroll Teams
Processing weekly or bi-weekly runs? Stop keying each payment. Upload one file.
Accountants & Bookkeepers
Managing multiple clients? Map each client once. Process all of them the same way.
Property Managers
Disbursing to dozens of owners? No per-transaction fees eating your margins.
AP Departments
Paying vendors and suppliers? Get your 4 hours back every payment cycle.
Small Business Owners
Doing your own direct deposit? Works with your spreadsheet. No payroll software required.
Anyone Tired of Per-Transaction Fees
Pay 10 people or 1,000—same price. $95/month flat.
The math is simple
Per-transaction fees add up. Flat pricing doesn't.
Per-Transaction Services
- 50 payments/month = ~$50
- 100 payments/month = ~$100
- 200 payments/month = ~$200
- 500 payments/month = ~$500
The more you grow, the more you pay.
EFT Flow
- 50 payments/month = $95
- 100 payments/month = $95
- 200 payments/month = $95
- 500 payments/month = $95
Same price. No surprises.
Or pay $2,990 once and own it forever.
Your data stays local
EFT Flow is a desktop app. Your payment files are processed on your machine—nothing uploaded to the cloud. PIPEDA-friendly by design.
- Local processing: Reports never leave your computer
- Encrypted storage: Bank details encrypted at rest
- No third-party access: We never see your payment data
Try it risk-free
- No credit card required to start your trial
- 30-day money-back guarantee—no questions asked
- Can't map your file? We'll set it up for you. Free.
Questions? Answers.
What file formats can I import?
Any Excel (.xlsx, .xls) or CSV file. If your accounting software can export to a spreadsheet, EFT Flow can read it. QuickBooks, Sage, Xero, NetSuite—all work.
Which banks do you support?
Every Canadian bank that accepts CPA-005 file uploads. RBC, TD, BMO, CIBC, Scotiabank, Desjardins, National Bank—if they take EFT files, we generate them.
Do you upload my data anywhere?
No. EFT Flow processes everything locally on your machine. The only network calls are for license verification—your payment data never leaves your computer.
What if my file format doesn't work?
Contact us. We'll map your specific file format within 7 days, or your setup is free.
How does pricing compare to Plooto or Telpay?
They charge per transaction ($1+ each). We charge flat: $95/month regardless of volume. At 100+ payments/month, you save money. At 500, you save a lot.
Can I try before I buy?
Yes. Download the trial—no credit card required. The trial runs the full workflow but limits exports to 5 vendors so you can test safely before committing.
Ready to get your hours back?
Download the trial. Map your file. See the difference.