EFT Flow
Sage + EFT Flow

Sage to Bank File in Minutes

Export from Sage. Generate CPA-005. Upload to your bank.
Works with Sage 50, Sage 300, and any Sage version that exports to Excel.

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Works with Sage 50 Works with Sage 300 No per-transaction fees

The Sage EFT situation

Sage can export payment data, but getting it into bank-ready format varies:

  • Some Sage versions have built-in EFT modules (often extra cost)
  • Some Sage versions export to CSV/Excel but not CPA-005
  • Built-in EFT may have limitations or per-transaction costs
  • Format changes between Sage versions cause confusion

The simple path: Export your payment list from Sage (any format), import into EFT Flow, generate bank-ready CPA-005. Works regardless of which Sage version or module you have.

How it works

1
Export from Sage
Vendor payments, AP reports, payables—any report that includes payee and amount.
2
Import into EFT Flow
Drag and drop your Excel or CSV file.
3
Map columns (first time only)
Tell EFT Flow which columns contain payee name, amount, etc. Saved for future imports.
4
Match to vendors
EFT Flow matches payees to bank details in your vendor list.
5
Export CPA-005
Bank-ready file generated. Upload to your bank.

Works with all Sage versions

Sage 50 (Simply Accounting)

  • Export vendor payment reports
  • Export accounts payable lists
  • Export cheque runs (before printing)
  • Any report to Excel/CSV works

Sage 300 (Accpac)

  • Export AP payment batches
  • Export vendor payment reports
  • Export from custom views
  • Any exportable report works

If your Sage version can export payment data to Excel or CSV, EFT Flow can convert it. The specific export path varies by version—use whatever report gives you payee names and amounts.

EFT Flow vs Sage's built-in EFT

Sage EFT Module Sage + EFT Flow
Availability Not all Sage versions/editions Works with any Sage that exports
Cost Often extra module cost $95/month flat
Format support May have bank-specific limitations Standard CPA-005 (all Canadian banks)
Data location Within Sage Local file (your control)
Works across systems Sage only Any system that exports to Excel

When Sage's built-in EFT works: If you have it, it works well, and the cost is reasonable—use it.
When EFT Flow helps: If you don't have the module, it's extra cost, or you want more flexibility/control.

Typical Sage 50 workflow

Here's how most Sage 50 users set this up:

  1. In Sage: Go to Reports → Payables → Vendor Payments or similar
  2. Filter: Select the invoices/payments you're processing
  3. Export: Export to Excel or CSV
  4. In EFT Flow: Import the file, map columns (first time), match vendors
  5. Export: Generate CPA-005 file
  6. Bank: Upload to your business banking portal

The exact report name varies by Sage version. Look for reports that show vendor names and payment amounts.

FAQ

Does this replace Sage's direct deposit feature?

It's an alternative approach. Instead of using Sage's built-in EFT (if available), you export from Sage and use EFT Flow to generate the bank file. Same result, different path.

Do I need to enter bank details in Sage?

No. Bank details are stored in EFT Flow's vendor list, not in Sage. This means you don't need to upgrade Sage or buy additional modules to store banking information.

What if my Sage export format changes?

Re-map your columns in EFT Flow. Takes a couple of minutes. Or contact us—we can help set up the new mapping.

Can I use this for payroll from Sage?

Yes. Export your net pay amounts from Sage payroll, import into EFT Flow, and generate the direct deposit file.

I have Sage 300—does this work?

Yes. Sage 300 (Accpac) exports to various formats. Export your AP payment data to Excel or CSV, then import into EFT Flow.

Ready to simplify Sage payments?

Export from Sage, generate CPA-005 with EFT Flow, upload to your bank. No per-transaction fees. Works with any Sage version.

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