PaymentStream Automated Funds Transfer (PaymentStream AFT) facilitates processing and settlement of pre-authorized debits (i.e. donations, fee collection) and pre-authorized credits (i.e. payroll, payments to suppliers).

Members can either use Central1 PaymentStream AFT web-based application to input and process the transactions or create a file in CPA Standard 005 format that can be uploaded to Central1 from member's accounting software.

PaymentStream AFT is a self-serve product. User guides and training videos are provided.

The system offers the following features:

• Ability to send (originate) same-day AFT credits
• Enhanced originator ID limits to assist with risk mitigation
• Real-time file validation during file upload and release process
• File Upload and Manual Release email confirmations sent only when a file is validated successfully. Automatic release will still get email confirmation if a transmission rejects.
• Added risk controls with dual authorization, where one user submits and another user approves before the file is released
• Ability to release AFT transactions up to 14 calendars days in advance for Data Entry and 45 days in advance for File Upload.
• Ability to download most AFT reports in CSV and PDF formats

Users require 2-Step Security to access PaymentStream AFT. 2-Step Security is a method of authenticating a user by confirming two factors of authentication: a username and password and a physical Hard Token or Soft Token on a smart phone.

To inquire about getting started, contact your local branch to begin the process.