CPA-005 PAD File Generation for Rent Collection
CoffeePal generates CPA-005 formatted files so property managers can prepare bank-ready rent collection runs without building spreadsheets or manually formatting payment files. You upload the generated file to your bank's business portal for processing.
What CoffeePal handles
The platform covers the operational side of PAD rent collection: tenant enrollment, signed agreement tracking, readiness validation, batch file generation, and cancellation management. This is the workflow layer between your tenant records and your bank's file upload portal.
- Tenant PAD enrollment with Canadian bank detail validation (institution, transit, account)
- Signed PAD agreement upload and tracking
- Readiness assessment per Payments Canada Rule H1
- CPA-005 Standard 005 file generation with correct fixed-width formatting
- Business day scheduling that accounts for Payments Canada holidays
- PAD cancellation lifecycle with reason tracking and effective dates
What CoffeePal does not handle
CoffeePal generates CPA-005 files. It does not process payments, hold funds, or connect directly to banking APIs. The generated file is downloaded and uploaded to your bank's business banking portal, the same way most mid-size property managers submit PAD batches today. Bank onboarding, file testing, and originator registration are between your organization and your financial institution.
CPA-005 file details
Files follow the Payments Canada Standard 005 specification: 1464-character fixed-width records, CRLF line endings, ASCII encoding. Header (A), transaction (D/C), and trailer (Z) records are generated automatically. Transaction code 400 is used for rent debits. Amounts use decimal-safe arithmetic to avoid floating-point precision issues.
PAD mandate readiness checks
Before a tenant is included in a batch run, CoffeePal validates that banking details are complete, a signed PAD agreement is on file, no cancellation is pending or effective, and the agreement meets recency requirements. Tenants that fail readiness checks are flagged with specific blocking issues so your team can resolve them before export.
How it fits the rest of the workflow
CPA-005 generation is available on Growth and Enterprise plans alongside COI validation, lease generation, PMS exports, and vendor compliance workflows. Property managers who already use CoffeePal for compliance can add rent collection without adopting a separate tool for PAD file preparation.