Activity log: every row ClearingPost's change records hold, as recorded, including bookkeeping entries, context notes and rows not reviewed as changes. Dates and statuses are as stored. Recorded changes →
Correction and timing history
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-provenance-0e617935. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-systems-1198366d. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-currentversion-3bb1df0d. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-title-e8538063. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-currenturl-88153b4a. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-type-33a50448. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-schemes-738aecfa. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-publisher-4f5c5271. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-versions-c7e1a13b. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-regions-7b90f171. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-currentversion-75157427. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-title-cd7de042. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-currenturl-a19a61bc. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-documents-epsg-sps-volume-versions-a0162e90. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-esas-avgdailyvalue-1ecef4cc. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Timing record for change chg-2026-09-28-esas-vol-02e3d59f. Original row stored no date.
ClearingPost recorded no timing stated on 28 September 2026.
Changes for RTR (Real-Time Rail)
Structured change records explicitly mapped to this payment system.
Payments Canada states the Real-Time Rail launches in Q4 2026, moved from the Q3 2026 target reported earlier in the year.
Full captured detail
Payments Canada states the Real-Time Rail launches in Q4 2026, moved from the Q3 2026 target reported earlier in the year. The RTR By-law and RTR Rules received all necessary approvals and came into force on 24 August 2026, with the By-law published in the Canada Gazette, Part II. Payments Canada is running industry solution assurance testing with participants and continues to onboard new members ahead of launch. No throughput figures exist yet because the system is not live. Recorded by ClearingPost on 2026-09-28.
Previous value: Payments Canada states the Real-Time Rail is launching in Q4 2026. The RTR by-law and rules have received all necessary approvals and have been published. The system is not yet live, so no transaction volume or value figures exist.
New value: Payments Canada states the Real-Time Rail launches in Q4 2026, moved from the Q3 2026 target reported earlier in the year. The RTR By-law and RTR Rules received all necessary approvals and came into force on 24 August 2026, with the By-law published in the Canada Gazette, Part II. Payments Canada is running industry solution assurance testing with participants and continues to onboard new members ahead of launch. No throughput figures exist yet because the system is not live.
Payments Canada states the Real-Time Rail is launching in Q4 2026. The RTR by-law and rules have received all necessary approvals and have been published. The system is not yet live, so no transaction volume or value figures exist.
Full captured detail
Payments Canada states the Real-Time Rail is launching in Q4 2026. The RTR by-law and rules have received all necessary approvals and have been published. The system is not yet live, so no transaction volume or value figures exist. Recorded by ClearingPost on 2026-09-28.
Previous value: Payments Canada states that the Real-Time Rail launches in Q4 2026. The RTR By-law was published in the Canada Gazette, Part II, and both the RTR By-law and the RTR Rules received all necessary approvals and came into force on 24 August 2026. Industry solution assurance testing with participants is under way. The RTR uses ISO 20022 messaging and settles in central bank money on a 24/7 basis, unlike the ACSS. Earlier ClearingPost coverage carried a Q3 2026 launch target, which Payments Canada has… [truncated]
New value: Payments Canada states the Real-Time Rail is launching in Q4 2026. The RTR by-law and rules have received all necessary approvals and have been published. The system is not yet live, so no transaction volume or value figures exist.
Payments Canada states that the Real-Time Rail launches in Q4 2026. The RTR By-law was published in the Canada Gazette, Part II, and both the RTR By-law and the RTR Rules received all necessary approvals and came into force on 24 August 2026.
Full captured detail
Payments Canada states that the Real-Time Rail launches in Q4 2026. The RTR By-law was published in the Canada Gazette, Part II, and both the RTR By-law and the RTR Rules received all necessary approvals and came into force on 24 August 2026. Industry solution assurance testing with participants is under way. The RTR uses ISO 20022 messaging and settles in central bank money on a 24/7 basis, unlike the ACSS. Earlier ClearingPost coverage carried a Q3 2026 launch target, which Payments Canada has since superseded. Recorded by ClearingPost on 2026-09-24.
Previous value: RTR By-law and RTR Rules came into force on August 24, 2026. Industry testing underway Q3 2026 with 1,800 businesses registered for access. Phased launch now expected Q4 2026, revised from earlier Q3 target. Broader availability through 2027. C.D. Howe Institute estimates RTR will contribute over CAD 3 billion to the Canadian economy in its first five years. ISO 20022 native, 24/7/365 operation, operated by Payments Canada.
New value: Payments Canada states that the Real-Time Rail launches in Q4 2026. The RTR By-law was published in the Canada Gazette, Part II, and both the RTR By-law and the RTR Rules received all necessary approvals and came into force on 24 August 2026. Industry solution assurance testing with participants is under way. The RTR uses ISO 20022 messaging and settles in central bank money on a 24/7 basis, unlike the ACSS. Earlier ClearingPost coverage carried a Q3 2026 launch target, which Payments Canada has… [truncated]
RTR By-law and RTR Rules came into force on August 24, 2026. Industry testing underway Q3 2026 with 1,800 businesses registered for access. Phased launch now expected Q4 2026, revised from earlier Q3 target. Broader availability through 2027. C.D.
Full captured detail
RTR By-law and RTR Rules came into force on August 24, 2026. Industry testing underway Q3 2026 with 1,800 businesses registered for access. Phased launch now expected Q4 2026, revised from earlier Q3 target. Broader availability through 2027. C.D. Howe Institute estimates RTR will contribute over CAD 3 billion to the Canadian economy in its first five years. ISO 20022 native, 24/7/365 operation, operated by Payments Canada. Recorded by ClearingPost on 2026-08-31.
Previous value: RTR By-law and Rules entered into force August 24, 2026 after Canada Gazette publication on July 1. Finance Minister Champagne approved the framework. Production launch targets Q4 2026 with phased participant access; Interac e-Transfer migration planned for subsequent phase.
New value: RTR By-law and RTR Rules came into force on August 24, 2026. Industry testing underway Q3 2026 with 1,800 businesses registered for access. Phased launch now expected Q4 2026, revised from earlier Q3 target. Broader availability through 2027. C.D. Howe Institute estimates RTR will contribute over CAD 3 billion to the Canadian economy in its first five years. ISO 20022 native, 24/7/365 operation, operated by Payments Canada.
RTR By-law and Rules entered into force August 24, 2026 after Canada Gazette publication on July 1. Finance Minister Champagne approved the framework.
Full captured detail
RTR By-law and Rules entered into force August 24, 2026 after Canada Gazette publication on July 1. Finance Minister Champagne approved the framework. Production launch targets Q4 2026 with phased participant access; Interac e-Transfer migration planned for subsequent phase. Recorded by ClearingPost on 2026-08-28.
Previous value: RTR By-law No. 10 and RTR Rules came into force August 24, 2026. Production launch scheduled Q4 2026 with initial direct exchange participants first. Full volumes expected Q3 2027. Interac e-Transfer migration to RTR from H1 2027. Five PSPs joined in 2026: Wise, Float, Paramount Commerce, KOHO, Brim Financial. Canada 2026 Spring Economic Update recognized RTR as part of national modernization agenda.
New value: RTR By-law and Rules entered into force August 24, 2026 after Canada Gazette publication on July 1. Finance Minister Champagne approved the framework. Production launch targets Q4 2026 with phased participant access; Interac e-Transfer migration planned for subsequent phase.
RTR By-law No. 10 and RTR Rules came into force August 24, 2026. Production launch scheduled Q4 2026 with initial direct exchange participants first. Full volumes expected Q3 2027. Interac e-Transfer migration to RTR from H1 2027.
Full captured detail
RTR By-law No. 10 and RTR Rules came into force August 24, 2026. Production launch scheduled Q4 2026 with initial direct exchange participants first. Full volumes expected Q3 2027. Interac e-Transfer migration to RTR from H1 2027. Five PSPs joined in 2026: Wise, Float, Paramount Commerce, KOHO, Brim Financial. Canada 2026 Spring Economic Update recognized RTR as part of national modernization agenda. Recorded by ClearingPost on 2026-08-27.
Previous value: RTR By-law No. 10 and RTR Rules entered force August 24, 2026 (Canada Gazette, Part II, June 30, 2026). System production launch targeting Q4 2026 with initial direct exchange participants. Interac e-Transfer clearing-and-settlement migration begins H1 2027, full volumes expected Q3 2027. ISO 20022 standard. PSPs require RPAA registration with Bank of Canada plus Payments Canada membership.
New value: RTR By-law No. 10 and RTR Rules came into force August 24, 2026. Production launch scheduled Q4 2026 with initial direct exchange participants first. Full volumes expected Q3 2027. Interac e-Transfer migration to RTR from H1 2027. Five PSPs joined in 2026: Wise, Float, Paramount Commerce, KOHO, Brim Financial. Canada 2026 Spring Economic Update recognized RTR as part of national modernization agenda.
RTR By-law No. 10 and RTR Rules entered force August 24, 2026 (Canada Gazette, Part II, June 30, 2026). System production launch targeting Q4 2026 with initial direct exchange participants.
Full captured detail
RTR By-law No. 10 and RTR Rules entered force August 24, 2026 (Canada Gazette, Part II, June 30, 2026). System production launch targeting Q4 2026 with initial direct exchange participants. Interac e-Transfer clearing-and-settlement migration begins H1 2027, full volumes expected Q3 2027. ISO 20022 standard. PSPs require RPAA registration with Bank of Canada plus Payments Canada membership. Recorded by ClearingPost on 2026-08-27.
Previous value: RTR By-law No. 10 (SOR/2026-133) and RTR Rules entered into force on August 24, 2026, establishing the legal framework for Canada's Real-Time Rail. Published in Canada Gazette Part II on July 1, 2026. Two participation models: direct settlement (own Bank of Canada account) and indirect settlement (via settlement agent). Production launch scheduled Q4 2026. Float, Wise, KOHO, and Paramount among first fintech participants admitted to Payments Canada membership.
New value: RTR By-law No. 10 and RTR Rules entered force August 24, 2026 (Canada Gazette, Part II, June 30, 2026). System production launch targeting Q4 2026 with initial direct exchange participants. Interac e-Transfer clearing-and-settlement migration begins H1 2027, full volumes expected Q3 2027. ISO 20022 standard. PSPs require RPAA registration with Bank of Canada plus Payments Canada membership.
RTR By-law No. 10 (SOR/2026-133) and RTR Rules entered into force on August 24, 2026, establishing the legal framework for Canada's Real-Time Rail. Published in Canada Gazette Part II on July 1, 2026.
Full captured detail
RTR By-law No. 10 (SOR/2026-133) and RTR Rules entered into force on August 24, 2026, establishing the legal framework for Canada's Real-Time Rail. Published in Canada Gazette Part II on July 1, 2026. Two participation models: direct settlement (own Bank of Canada account) and indirect settlement (via settlement agent). Production launch scheduled Q4 2026. Float, Wise, KOHO, and Paramount among first fintech participants admitted to Payments Canada membership. Recorded by ClearingPost on 2026-08-25.
Previous value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing the legal framework. Production launch scheduled Q4 2026 with phased rollout. Interac e-Transfer clearing and settlement migration begins H1 2027. Full transaction volumes expected Q3 2027.
New value: RTR By-law No. 10 (SOR/2026-133) and RTR Rules entered into force on August 24, 2026, establishing the legal framework for Canada's Real-Time Rail. Published in Canada Gazette Part II on July 1, 2026. Two participation models: direct settlement (own Bank of Canada account) and indirect settlement (via settlement agent). Production launch scheduled Q4 2026. Float, Wise, KOHO, and Paramount among first fintech participants admitted to Payments Canada membership.
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing the legal framework. Production launch scheduled Q4 2026 with phased rollout.
Full captured detail
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing the legal framework. Production launch scheduled Q4 2026 with phased rollout. Interac e-Transfer clearing and settlement migration begins H1 2027. Full transaction volumes expected Q3 2027. Recorded by ClearingPost on 2026-08-24.
Previous value: RTR By-law (CPA By-law No. 10) and RTR Rules entered force August 24, 2026, following publication in Canada Gazette Part II on July 1, 2026. Production launch scheduled Q4 2026 with direct exchange participants entering first. Industry testing commenced Q3 2026. Source: Payments Canada, Canada Gazette (July 2026).
New value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing the legal framework. Production launch scheduled Q4 2026 with phased rollout. Interac e-Transfer clearing and settlement migration begins H1 2027. Full transaction volumes expected Q3 2027.
RTR By-law (CPA By-law No. 10) and RTR Rules entered force August 24, 2026, following publication in Canada Gazette Part II on July 1, 2026. Production launch scheduled Q4 2026 with direct exchange participants entering first.
Full captured detail
RTR By-law (CPA By-law No. 10) and RTR Rules entered force August 24, 2026, following publication in Canada Gazette Part II on July 1, 2026. Production launch scheduled Q4 2026 with direct exchange participants entering first. Industry testing commenced Q3 2026. Source: Payments Canada, Canada Gazette (July 2026). Recorded by ClearingPost on 2026-08-24.
Previous value: RTR By-law and Rules enter force August 24, 2026. System launch targeting Q4 2026 with phased rollout; broader availability through 2027. Banks required to receive RTR payments at launch; sending capabilities optional initially. PSPs must pre-fund via Lynx. 15 new members admitted in 2026 including Meridian Credit Union, Wise, KOHO, and Neo Financial.
New value: RTR By-law (CPA By-law No. 10) and RTR Rules entered force August 24, 2026, following publication in Canada Gazette Part II on July 1, 2026. Production launch scheduled Q4 2026 with direct exchange participants entering first. Industry testing commenced Q3 2026. Source: Payments Canada, Canada Gazette (July 2026).
RTR By-law and Rules enter force August 24, 2026. System launch targeting Q4 2026 with phased rollout; broader availability through 2027. Banks required to receive RTR payments at launch; sending capabilities optional initially. PSPs must pre-fund via Lynx.
Full captured detail
RTR By-law and Rules enter force August 24, 2026. System launch targeting Q4 2026 with phased rollout; broader availability through 2027. Banks required to receive RTR payments at launch; sending capabilities optional initially. PSPs must pre-fund via Lynx. 15 new members admitted in 2026 including Meridian Credit Union, Wise, KOHO, and Neo Financial. Recorded by ClearingPost on 2026-08-21.
Previous value: RTR By-law No. 10 (Canadian Payments Association) published in Canada Gazette Part II on July 1, 2026, enters force August 24, 2026. Establishes mandatory framework for participation, settlement, fraud controls, and ISO 20022 implementation. Phased launch revised from Q3 to Q4 2026. Banks required to receive from launch; consumer sending initially optional; broader access expected through 2027. Source: Canada Gazette (July 1, 2026), Payments Canada (July 2, 2026).
New value: RTR By-law and Rules enter force August 24, 2026. System launch targeting Q4 2026 with phased rollout; broader availability through 2027. Banks required to receive RTR payments at launch; sending capabilities optional initially. PSPs must pre-fund via Lynx. 15 new members admitted in 2026 including Meridian Credit Union, Wise, KOHO, and Neo Financial.
RTR By-law No. 10 (Canadian Payments Association) published in Canada Gazette Part II on July 1, 2026, enters force August 24, 2026. Establishes mandatory framework for participation, settlement, fraud controls, and ISO 20022 implementation.
Full captured detail
RTR By-law No. 10 (Canadian Payments Association) published in Canada Gazette Part II on July 1, 2026, enters force August 24, 2026. Establishes mandatory framework for participation, settlement, fraud controls, and ISO 20022 implementation. Phased launch revised from Q3 to Q4 2026. Banks required to receive from launch; consumer sending initially optional; broader access expected through 2027. Source: Canada Gazette (July 1, 2026), Payments Canada (July 2, 2026). Recorded by ClearingPost on 2026-08-21.
Previous value: RTR By-law (CPA By-law No. 10) and RTR Rules enter force August 24, 2026. Launch target moved from Q3 to Q4 2026 with phased rollout. Banks must receive from launch; sending optional initially. Universal participation expected 2027. Government of Canada recognized RTR in 2026 Spring Economic Update as cornerstone of modernization agenda. All RTR data stored in four Canadian data centres. Source: Payments Canada (August 2026). last recorded: 2026-08-20.
New value: RTR By-law No. 10 (Canadian Payments Association) published in Canada Gazette Part II on July 1, 2026, enters force August 24, 2026. Establishes mandatory framework for participation, settlement, fraud controls, and ISO 20022 implementation. Phased launch revised from Q3 to Q4 2026. Banks required to receive from launch; consumer sending initially optional; broader access expected through 2027. Source: Canada Gazette (July 1, 2026), Payments Canada (July 2, 2026).
RTR By-law and Rules enter force August 24, 2026, following Canada Gazette Part II publication, establishing the core legal framework for safety, efficiency, and resilience. Phased launch expected Q4 2026, shifted from earlier Q3 target.
Full captured detail
RTR By-law and Rules enter force August 24, 2026, following Canada Gazette Part II publication, establishing the core legal framework for safety, efficiency, and resilience. Phased launch expected Q4 2026, shifted from earlier Q3 target. Banks required to receive RTR payments on go-live; sending capabilities optional initially. Broader participant onboarding expected through 2027. ISO 20022 messaging standard. Framework developed through public consultations in 2020 and 2025. Source: Payments Canada (July 2026). Recorded by ClearingPost on 2026-08-20.
Previous value: RTR By-law No. 10 published in Canada Gazette Part II, entering force August 24, 2026. Launch timeline revised to Q4 2026 phased rollout (from earlier Q3 target). Three-phase approach: initial launch Q4 2026, broader availability through 2027. 1,800 businesses registered for access. Source: Payments Canada (July-August 2026).
New value: RTR By-law and Rules enter force August 24, 2026, following Canada Gazette Part II publication, establishing the core legal framework for safety, efficiency, and resilience. Phased launch expected Q4 2026, shifted from earlier Q3 target. Banks required to receive RTR payments on go-live; sending capabilities optional initially. Broader participant onboarding expected through 2027. ISO 20022 messaging standard. Framework developed through public consultations in 2020 and 2025. Source: Payments Ca… [truncated]
RTR By-law (CPA By-law No. 10) and RTR Rules enter force August 24, 2026. Launch target moved from Q3 to Q4 2026 with phased rollout. Banks must receive from launch; sending optional initially. Universal participation expected 2027.
Full captured detail
RTR By-law (CPA By-law No. 10) and RTR Rules enter force August 24, 2026. Launch target moved from Q3 to Q4 2026 with phased rollout. Banks must receive from launch; sending optional initially. Universal participation expected 2027. Government of Canada recognized RTR in 2026 Spring Economic Update as cornerstone of modernization agenda. All RTR data stored in four Canadian data centres. Source: Payments Canada (August 2026). last recorded: 2026-08-20. Recorded by ClearingPost on 2026-08-20.
Previous value: RTR By-law and Rules enter force August 24, 2026, following Canada Gazette Part II publication, establishing the core legal framework for safety, efficiency, and resilience. Phased launch expected Q4 2026, shifted from earlier Q3 target. Banks required to receive RTR payments on go-live; sending capabilities optional initially. Broader participant onboarding expected through 2027. ISO 20022 messaging standard. Framework developed through public consultations in 2020 and 2025. Source: Payments Ca… [truncated]
New value: RTR By-law (CPA By-law No. 10) and RTR Rules enter force August 24, 2026. Launch target moved from Q3 to Q4 2026 with phased rollout. Banks must receive from launch; sending optional initially. Universal participation expected 2027. Government of Canada recognized RTR in 2026 Spring Economic Update as cornerstone of modernization agenda. All RTR data stored in four Canadian data centres. Source: Payments Canada (August 2026). last recorded: 2026-08-20.
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing governance, participation requirements, and operational standards.
Full captured detail
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing governance, participation requirements, and operational standards. Phased launch begins Q4 2026 with first direct participants, followed by progressive onboarding and Interac e-Transfer migration. Full capacity expected Q3 2027. Timeline shifted from original Q3 2026 target. ISO 20022 messaging standard. Industry solution assurance testing with participants underway. Recorded by ClearingPost on 2026-08-18.
Previous value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026; comes into force August 24, 2026. Launch confirmed for Q4 2026 (shifted from previously announced Q3 2026). Industry solution assurance testing commenced Q3 2026. Three-phase rollout planned. C.D. Howe Institute estimates RTR will contribute over $3B to Canadian economy in first five years.
New value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing governance, participation requirements, and operational standards. Phased launch begins Q4 2026 with first direct participants, followed by progressive onboarding and Interac e-Transfer migration. Full capacity expected Q3 2027. Timeline shifted from original Q3 2026 target. ISO 20022 messaging standard. Industry solution assurance testing with participants underw… [truncated]
RTR By-law No. 10 published in Canada Gazette Part II, entering force August 24, 2026. Launch timeline revised to Q4 2026 phased rollout (from earlier Q3 target). Three-phase approach: initial launch Q4 2026, broader availability through 2027.
Full captured detail
RTR By-law No. 10 published in Canada Gazette Part II, entering force August 24, 2026. Launch timeline revised to Q4 2026 phased rollout (from earlier Q3 target). Three-phase approach: initial launch Q4 2026, broader availability through 2027. 1,800 businesses registered for access. Source: Payments Canada (July-August 2026). Recorded by ClearingPost on 2026-08-18.
Previous value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026. By-law and RTR Rules enter force August 24, 2026, establishing governance, participation requirements, and operational standards. Phased launch begins Q4 2026 with first direct participants, followed by progressive onboarding and Interac e-Transfer migration. Full capacity expected Q3 2027. Timeline shifted from original Q3 2026 target. ISO 20022 messaging standard. Industry solution assurance testing with participants underw… [truncated]
New value: RTR By-law No. 10 published in Canada Gazette Part II, entering force August 24, 2026. Launch timeline revised to Q4 2026 phased rollout (from earlier Q3 target). Three-phase approach: initial launch Q4 2026, broader availability through 2027. 1,800 businesses registered for access. Source: Payments Canada (July-August 2026).
RTR launch timeline shifted from Q3 to Q4 2026 with three-phase rollout. RTR By-law officially published and takes effect August 24, 2026.
Full captured detail
RTR launch timeline shifted from Q3 to Q4 2026 with three-phase rollout. RTR By-law officially published and takes effect August 24, 2026. System integration testing completed late 2025; user acceptance testing and performance/resilience/security testing conducted through 2026. Universal participation expected 2027. RTR data stored across four Canadian data centres. New PSP members: Wise, KOHO, Float, Paramount Commerce, Brim Financial. Meridian became first provincial credit union member. Recorded by ClearingPost on 2026-08-17.
Previous value: RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules come into force August 24, 2026, establishing the core legal framework for system safety, efficiency, and resilience. Launch target revised to Q4 2026 from earlier Q3 2026 target. Published in Canada Gazette Part II on July 1, 2026. Finance Minister Champagne approved the legal framework in June 2026. Banks required to receive RTR payments from launch; consumer-facing sending services initially optional. Five fintech PSPs (Fl… [truncated]
New value: RTR launch timeline shifted from Q3 to Q4 2026 with three-phase rollout. RTR By-law officially published and takes effect August 24, 2026. System integration testing completed late 2025; user acceptance testing and performance/resilience/security testing conducted through 2026. Universal participation expected 2027. RTR data stored across four Canadian data centres. New PSP members: Wise, KOHO, Float, Paramount Commerce, Brim Financial. Meridian became first provincial credit union member.
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026; comes into force August 24, 2026. Launch confirmed for Q4 2026 (shifted from previously announced Q3 2026). Industry solution assurance testing commenced Q3 2026.
Full captured detail
RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026; comes into force August 24, 2026. Launch confirmed for Q4 2026 (shifted from previously announced Q3 2026). Industry solution assurance testing commenced Q3 2026. Three-phase rollout planned. C.D. Howe Institute estimates RTR will contribute over $3B to Canadian economy in first five years. Recorded by ClearingPost on 2026-08-17.
Previous value: RTR launch timeline shifted from Q3 to Q4 2026 with three-phase rollout. RTR By-law officially published and takes effect August 24, 2026. System integration testing completed late 2025; user acceptance testing and performance/resilience/security testing conducted through 2026. Universal participation expected 2027. RTR data stored across four Canadian data centres. New PSP members: Wise, KOHO, Float, Paramount Commerce, Brim Financial. Meridian became first provincial credit union member.
New value: RTR By-law No. 10 published in Canada Gazette Part II on July 1, 2026; comes into force August 24, 2026. Launch confirmed for Q4 2026 (shifted from previously announced Q3 2026). Industry solution assurance testing commenced Q3 2026. Three-phase rollout planned. C.D. Howe Institute estimates RTR will contribute over $3B to Canadian economy in first five years.
RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules come into force August 24, 2026, establishing the core legal framework for system safety, efficiency, and resilience. Launch target revised to Q4 2026 from earlier Q3 2026 target.
Full captured detail
RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules come into force August 24, 2026, establishing the core legal framework for system safety, efficiency, and resilience. Launch target revised to Q4 2026 from earlier Q3 2026 target. Published in Canada Gazette Part II on July 1, 2026. Finance Minister Champagne approved the legal framework in June 2026. Banks required to receive RTR payments from launch; consumer-facing sending services initially optional. Five fintech PSPs (Float, Wise, Koho, Brim, and one other) became Payments Canada members in early 2026, positioning for RTR access. RTR settles in central bank money via ISO 20022 messaging, operating 24/7. Recorded by ClearingPost on 2026-08-15.
Previous value: Canadian Payments Association By-law No. 10 (RTR) officially published in Canada Gazette July 1, 2026. By-law and rules come into force August 24, 2026, establishing the legal framework for Canada's first instant payment system. Industry testing underway H1 2026 with 1,800+ businesses registered for access. Launch target revised to Q4 2026 from earlier Q3 target. RTR will support ISO 20022 native messaging, 24/7/365 irrevocable credit transfers.
New value: RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules come into force August 24, 2026, establishing the core legal framework for system safety, efficiency, and resilience. Launch target revised to Q4 2026 from earlier Q3 2026 target. Published in Canada Gazette Part II on July 1, 2026. Finance Minister Champagne approved the legal framework in June 2026. Banks required to receive RTR payments from launch; consumer-facing sending services initially optional. Five fintech PSPs (Fl… [truncated]
Canadian Payments Association By-law No. 10 (RTR) officially published in Canada Gazette July 1, 2026. By-law and rules come into force August 24, 2026, establishing the legal framework for Canada's first instant payment system.
Full captured detail
Canadian Payments Association By-law No. 10 (RTR) officially published in Canada Gazette July 1, 2026. By-law and rules come into force August 24, 2026, establishing the legal framework for Canada's first instant payment system. Industry testing underway H1 2026 with 1,800+ businesses registered for access. Launch target revised to Q4 2026 from earlier Q3 target. RTR will support ISO 20022 native messaging, 24/7/365 irrevocable credit transfers. Recorded by ClearingPost on 2026-08-14.
Previous value: RTR By-law (Canadian Payments Association By-law No. 10) and Rules came into force August 24, 2026, establishing the legal framework for operations. Published in Canada Gazette Part 2 on July 1, 2026. Phased launch now planned Q4 2026, shifted from previously announced Q3 2026. Industry testing with 1,800+ registered businesses underway in Q3 2026. C.D. Howe Institute projects over $3B economic contribution in first five years. Delivery partners: IBM Canada, CGI, Interac, Deloitte Canada.
New value: Canadian Payments Association By-law No. 10 (RTR) officially published in Canada Gazette July 1, 2026. By-law and rules come into force August 24, 2026, establishing the legal framework for Canada's first instant payment system. Industry testing underway H1 2026 with 1,800+ businesses registered for access. Launch target revised to Q4 2026 from earlier Q3 target. RTR will support ISO 20022 native messaging, 24/7/365 irrevocable credit transfers.
RTR By-law (Canadian Payments Association By-law No. 10) and Rules came into force August 24, 2026, establishing the legal framework for operations. Published in Canada Gazette Part 2 on July 1, 2026.
Full captured detail
RTR By-law (Canadian Payments Association By-law No. 10) and Rules came into force August 24, 2026, establishing the legal framework for operations. Published in Canada Gazette Part 2 on July 1, 2026. Phased launch now planned Q4 2026, shifted from previously announced Q3 2026. Industry testing with 1,800+ registered businesses underway in Q3 2026. C.D. Howe Institute projects over $3B economic contribution in first five years. Delivery partners: IBM Canada, CGI, Interac, Deloitte Canada. Recorded by ClearingPost on 2026-08-13.
Previous value: RTR launch shifted from Q3 to Q4 2026, with phased rollout through 2027. RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules received all necessary approvals and come into force August 24, 2026. Major banks face mandatory receiving requirements at launch; fintechs must pre-fund through Lynx. Adyen Canada Ltd. joined Payments Canada as member (July 14, 2026).
New value: RTR By-law (Canadian Payments Association By-law No. 10) and Rules came into force August 24, 2026, establishing the legal framework for operations. Published in Canada Gazette Part 2 on July 1, 2026. Phased launch now planned Q4 2026, shifted from previously announced Q3 2026. Industry testing with 1,800+ registered businesses underway in Q3 2026. C.D. Howe Institute projects over $3B economic contribution in first five years. Delivery partners: IBM Canada, CGI, Interac, Deloitte Canada.
RTR launch shifted from Q3 to Q4 2026, with phased rollout through 2027. RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules received all necessary approvals and come into force August 24, 2026.
Full captured detail
RTR launch shifted from Q3 to Q4 2026, with phased rollout through 2027. RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules received all necessary approvals and come into force August 24, 2026. Major banks face mandatory receiving requirements at launch; fintechs must pre-fund through Lynx. Adyen Canada Ltd. joined Payments Canada as member (July 14, 2026). Recorded by ClearingPost on 2026-08-12.
Previous value: RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II, effective August 24, 2026. Launch revised from Q3 to Q4 2026 with phased rollout; universal participation expected through 2027. Five non-bank PSPs (Wise, KOHO, Float, Paramount Commerce, Brim Financial) joined as members. Meridian became first provincial credit union member. System will operate 24/7/365 with ISO 20022 messaging.
New value: RTR launch shifted from Q3 to Q4 2026, with phased rollout through 2027. RTR By-law (Canadian Payments Association By-law No. 10) and RTR Rules received all necessary approvals and come into force August 24, 2026. Major banks face mandatory receiving requirements at launch; fintechs must pre-fund through Lynx. Adyen Canada Ltd. joined Payments Canada as member (July 14, 2026).
RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II, effective August 24, 2026. Launch revised from Q3 to Q4 2026 with phased rollout; universal participation expected through 2027.
Full captured detail
RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II, effective August 24, 2026. Launch revised from Q3 to Q4 2026 with phased rollout; universal participation expected through 2027. Five non-bank PSPs (Wise, KOHO, Float, Paramount Commerce, Brim Financial) joined as members. Meridian became first provincial credit union member. System will operate 24/7/365 with ISO 20022 messaging. Recorded by ClearingPost on 2026-08-07.
Previous value: RTR By-law and Rules received all necessary approvals and come into force August 24, 2026. Launch now scheduled Q4 2026, shifted from earlier Q3 2026 target. System will enable instant, data-rich payments 24/7/365 in CAD. avgDailyTx and avgDailyValue remain null until post-launch data available.
New value: RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II, effective August 24, 2026. Launch revised from Q3 to Q4 2026 with phased rollout; universal participation expected through 2027. Five non-bank PSPs (Wise, KOHO, Float, Paramount Commerce, Brim Financial) joined as members. Meridian became first provincial credit union member. System will operate 24/7/365 with ISO 20022 messaging.
RTR launch target moved to Q4 2026 (previously Q3 2026). RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II on July 1, 2026 and comes into force August 24, 2026.
Full captured detail
RTR launch target moved to Q4 2026 (previously Q3 2026). RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II on July 1, 2026 and comes into force August 24, 2026. Phased rollout planned: not all banks and fintechs will have full access at launch, with broader availability expected through 2027. Five fintech PSP members (Float, Wise, Koho, Brim, and others) joined Payments Canada membership in preparation. Recorded by ClearingPost on 2026-08-06.
Previous value: RTR launch target updated to Q4 2026 per Payments Canada. Currently in performance, security, and resilience testing. PSP membership pathway open under Retail Payments Activities Act (RPAA). Recent PSP members onboarded: Wise, Float, Paramount Commerce, KOHO, Brim Financial. By-laws and rules publication was scheduled for Q2 2026.
New value: RTR launch target moved to Q4 2026 (previously Q3 2026). RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II on July 1, 2026 and comes into force August 24, 2026. Phased rollout planned: not all banks and fintechs will have full access at launch, with broader availability expected through 2027. Five fintech PSP members (Float, Wise, Koho, Brim, and others) joined Payments Canada membership in preparation.
RTR By-law and Rules received all necessary approvals and come into force August 24, 2026. Launch now scheduled Q4 2026, shifted from earlier Q3 2026 target. System will enable instant, data-rich payments 24/7/365 in CAD.
Full captured detail
RTR By-law and Rules received all necessary approvals and come into force August 24, 2026. Launch now scheduled Q4 2026, shifted from earlier Q3 2026 target. System will enable instant, data-rich payments 24/7/365 in CAD. avgDailyTx and avgDailyValue remain null until post-launch data available. Recorded by ClearingPost on 2026-08-06.
Previous value: RTR launch target moved to Q4 2026 (previously Q3 2026). RTR By-law (Canadian Payments Association By-law No. 10) published in Canada Gazette Part II on July 1, 2026 and comes into force August 24, 2026. Phased rollout planned: not all banks and fintechs will have full access at launch, with broader availability expected through 2027. Five fintech PSP members (Float, Wise, Koho, Brim, and others) joined Payments Canada membership in preparation.
New value: RTR By-law and Rules received all necessary approvals and come into force August 24, 2026. Launch now scheduled Q4 2026, shifted from earlier Q3 2026 target. System will enable instant, data-rich payments 24/7/365 in CAD. avgDailyTx and avgDailyValue remain null until post-launch data available.