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I have had 3 payments turned back as disbursement error. Had different responses from Amazon. Now Amazon asked I provide them with a clearing code. I phoned my bank, they gave me the info, but said there is a $14.00 charge for moneys wired into the bank this method. I sell on ebay, etsy etc., and never had this problem before.

Is this common in transferring a sellers payment to Canada, or is something else wrong? Thanks for any assistance provided!


Paper And Blossoms wrote:
I have had 3 payments turned back as disbursement error. Had different responses from Amazon. Now Amazon asked I provide them with a clearing code. I phoned my bank, they gave me the info, but said there is a $14.00 charge for moneys wired into the bank this method. I sell on ebay, etsy etc., and never had this problem before.

Is this common in transferring a sellers payment to Canada, or is something else wrong? Thanks for any assistance provided!



This is why I am confused. I use BMO, and am having the money sent in Canadian funds. I have emailed Amazon a few times now, with different responses. The latter being the problem with not having the correct bank info for wiring funds to BMO. I do 'not' want them wired. I get electronic deposits from other selling venues... I don't get what the actual problem is to rectify it...so darn frustrated at this point.


Paper And Blossoms wrote:
This is why I am confused. I use BMO, and am having the money sent in Canadian funds. I have emailed Amazon a few times now, with different responses. The latter being the problem with not having the correct bank info for wiring funds to BMO. I do 'not' want them wired. I get electronic deposits from other selling venues... I don't get what the actual problem is to rectify it...so darn frustrated at this point.


Thanks for your help. I am selling on the .com site as that is what was made available to the new handmade section of Amazon. As far as I can see everything is set up right from this end. Went through your list, all is correct. I double checked with the bank. I have now sent another email for payment manager to respond to me.


Paper And Blossoms wrote:
Thanks for your help. I am selling on the .com site as that is what was made available to the new handmade section of Amazon. As far as I can see everything is set up right from this end. Went through your list, all is correct. I double checked with the bank. I have now sent another email for payment manager to respond to me.


It's possible that the issue you are up against is the differences between the US and Canadian banking systems. The US system uses ACH for electronic transfers; the Canadian system does not.

BMO has a program of some sort that allows Canadians in the US access to their money through BMO Harris. You might want to find out if BMO can make that program work in reverse so that Amazon uses the ACH protocols to deposit the funds into a BMO Harris account for you and then it can be pulled through to your account internally by BMO. I have no idea if this is possible but it can't hurt to ask. Let us know.


I will deal with this on Monday. Amazon said it is BMO turning back funds. BMO said there is no reason the EFT shouldn't work from Amazon, and they are doing something incorrect from their end... I'm totally lost on this. I get EFT payments from another site in the US, so don't understand why it isn't working with Amazon. Will post the way around this when I figure it out with the bank.


Paper And Blossoms wrote:
I will deal with this on Monday. Amazon said it is BMO turning back funds. BMO said there is no reason the EFT shouldn't work from Amazon, and they are doing something incorrect from their end... I'm totally lost on this. I get EFT payments from another site in the US, so don't understand why it isn't working with Amazon. Will post the way around this when I figure it out with the bank.


You must use the currency converter if you are getting paid from .com to a Canadian based bank. You cannot simply enter your Canadian bank account number on .com and get paid. The US system will only do ACH transfers and your Canadian account is EFT.

You have to either enter a US based bank account number that accepts ACH transfers or use the currency converter.


Mostlybooks wrote:
It's possible that the issue you are up against is the differences between the US and Canadian banking systems. The US system uses ACH for electronic transfers; the Canadian system does not.

BMO has a program of some sort that allows Canadians in the US access to their money through BMO Harris. You might want to find out if BMO can make that program work in reverse so that Amazon uses the ACH protocols to deposit the funds into a BMO Harris account for you and then it can be pulled through to your account internally by BMO. I have no idea if this is possible but it can't hurt to ask. Let us know.



Academic_Books wrote:
About 2 years ago (when I was considering selling on .com), I enquired with BMO (whom I deal with); and no one even seemed to know what the ACH-requirement was, or was about.

I was just being repeatedly told that, you can open an 'american' account and that would be enough - via the Harris system. Well it wasn't, so I abandoned that whole plan.

My cousin works for BMO's head office, and after I sent her the blurb, she had told me they were not set-up for the ACH-account required by amazon.

Why ON EARTH does amazon make this so difficult? This was the only reason I decided not to sell on .com...

OP, please let us know if you make any progress (especially via BMO).



All US based banks should be able to deal with ACH because their banking system is based on Automated Clearing House transfers. Canadian based banks use EFT as their system is based on Electronic Funds Transfers.

They do the exact same thing but are different systems similar to Macs and PCs.

As for your BMO/Harris issue, there's a good chance that no one you talked to knows what they are taking about. I just did a Google search and read a TD form thread that was posted in 2011 asking about ACH transfers to a Canadian TD account. Each TD answer from multiple people over the years answered the same question with instructions on how to enter your account information and it would work. Everyone responded saying it didn't work. Once someone from TD gave a transit number for Bank of America. A month later, a TD employee said that wouldn't work.

Then in 2013, someone said the ACH would become a wire transfer to the EFT system in Canada. Then in 2014, someone said it was the sending bank's issue and that bank has to be set up with TD.

It wasn't until the beginning of 2015 that someone gave the right answer: ACH transfers cannot be made into Canadian EFT banks. Subsequent TD employees answered the same way.

If course, they still didn't give the correct answer. TD has US branches. Canadian customers can open a US based TD account and link both their Canadian and US accounts together.

It took four years for someone from the bank to correctly answer the question. Its no wonder why so many people can't figure out how to get paid in Canada from a US bank.

If Harris is based in the US, you can do ACH transfers if the account is enabled for it. They don't enable all accounts for ACH transfers. Usually, you need a checking account to accept ACH transfers.

I just looked it up and see that BMO Harris is based in Chicago. If you open an account in a US branch, you will be able to get ACH transfers into it. I suspect you can open it through your BMO branch in Mississauga. Just be forward about what you want to do.

Opening my RBC account in the US was fairly painless but only because there was one person in my branch that was familiar with it because she did it one prior to me opening mine. It sounded like it took a lot of work to figure out how to do it for her the first time.

Edited by: Dalek Caan on Nov 29, 2015 11:42 AM


Greetings Paper And Blossoms,

Thanks for posting your question to the Seller Forums!

I'm sorry to hear that your payment isn't transferring. I noticed that you currently have an open Seller Support case for this issue.

While we are continuing to research this issue, it may help to also update your bank information in Seller Central by going to Settings > Account Info > Deposit Method.

When adding a Canadian bank account, you will need to provide:
  • Account Type
  • Institution Number (4 digits)
  • Transit Number (5 digits)
  • Bank Account Number
  • Account Holder Name
If you're looking at a cheque for your account, the first digits will be the cheque number (which you won't need).

Next comes the 5-digit Transit Number, then the 3- or 4-digit Institution Number.

If your Institution Number is only 3 digits, be sure to add a 0 to the beginning of the number when entering it in your Amazon.ca Deposit Method details. Without the leading 0, your bank information is likely to be invalidated.

I hope this helps, and feel free to post back if you have additional questions!

-Jamie

Edited by: [email protected] on Nov 29, 2015 11:51 AM
Edited to correct information provided


Hi Jamie,

I believe your advice is incorrect. The instructions you gave are for entering a Canadian bank account on the .ca site. The OP is trying to get paid to his Canadian bank account from .com. To do this, the OP needs to use the currency converter. I'm unsure where that is set up though as I don't use it.

Edited by: Dalek Caan on Nov 29, 2015 12:14 PM


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