Biweekly Broadcast

General Update

Credit Union Impact Summary Assessments

The PPI Project Team Product Leads continue to develop credit union impact summary assessments. As mentioned in previous updates, these summaries will help credit unions understand the impacts associated with each product type as each credit union moves through current state through to end target state (where migration has occurred).

Credit Union Socialization of Assessments

Product Leads have begun presenting their findings to credit unions through regularly scheduled engagement meetings, including PoC network meetings and the upcoming December PPI webinar. Key messages are circulated following these meetings to summarize the session and provide leads with key takeaways to share with appropriate team members. An executive summary of impacts for all payment types will also be shared as reference for credit unions at the next PPI webinar taking place December 4th at 9:30 a.m. MST.

DIP Overview

Please note: effective August 2021, the Digital Integration Pattern (DIP) is no longer being pursued. An alternate solution is under development to replace the DIP and additional information will be shared as it is available.

The Digital Integration Pattern (DIP) is a cloud-based architecture that simplifies the integration between digital channels, the PaaS platform, and core banking systems. Owned by credit unions, this exclusive pattern enables any credit union or financial institution across Canada to integrate with the PaaS platform, regardless of their chosen digital banking or core banking solution.

Payment Types Spotlight – Interac e-Transfer®

As many of you may be aware through engagement activities that occurred throughout the week, Assiniboine Credit Union and Connect First Credit Union implemented Celero Xpress on November 4 and November 16th. While the e-Transfer capability is working as designed for thousands of members, there is inconsistency around member experience and payment processing due to some technical issues particularly with e-Transfer for approximately 1% of transactions.

This has led to an unstable environment with several key contributing factors:

  1. Interac e-Transfer® 3.5 bugs causing end-to-end issues and out of balance scenarios. Interac recently introduced a new code that presented some issues that impacted our performance. The team quickly resolved the issue, alongside support from Interac.
  2. IBM authentication issues caused transactions to fail on their system.  This issue has now been resolved.
  3. IBM systems experiencing timeouts with Interac systems. An emergency fix was put into production on November 24th and has provided a significant improvement to the timeouts experienced.
  4. IBM Interface to DNA Core Banking has resulted in multiple credit or debits posting to member accounts as a result of the timeout on the transaction. IBM implemented a temporary fix and is engaged with Celero so that IBM can develop a permanent solution to eliminate the multiple credit and debit issue. 


The priority of the PPJV, Celero and IBM is to continue to work closely to resolve and establish stability for the e-Transfer service. As result of the ongoing work, the PPJV, Celero and Celero’s governance council for Celero Xpress made the collective decision to pause future launches of the digital platform until stability and consistency is achieved. While disappointing, this decision was made for the best interests of credit unions and their members.

Revised Timelines

In light of current issues, credit union migrations originally scheduled for Q4 2020 and Q1 2021 are shifting. Celero will update all credit union proceeding with Celero Xpress on a revised timeline in the weeks ahead. The key requirement is to realize sustained stability of the e-Transfer service prior to resuming migrations which we anticipate will be achieved over the next month. The PPJV team is still developing plans for non-Celero credit unions and is supporting Interac commercial functions. These timelines are still to be confirmed.

Meetings have been held with Celero Xpress credit unions alongside the Point of Contact Network and P4 credit unions. The upcoming PPI webinar on December 4th will also address the issue.

Next Steps

Critical next steps are to monitor and remediate issues, continue e-Transfer stabilization, then continue onboarding production pilots for Celero Xpress credit unions (outside of e-Transfer).


There are a lot of great questions that continue to come in from credit unions. Please continue to check the portal’s FAQs section as new ones get added regularly.

Q. For AFTs, will there be any WLG member interface built or is that something that will be the responsibility of each credit union to solution for target state?

A. AFT’s WLG is being built as a comparable system to the existing CAFT application. This means just like today, originators will be able to login and initiate AFTs either through file upload or manual data entry. Each originator will need to be setup with an account to access WLG and we’re in the process of defining the originator transition process from CAFT to WLG.

Upcoming Events

Reminder of the upcoming webinar on December 4; 9:30 am – 10:30 am MST. Webinar invitations have been sent to all registered portal users, please check your email.

PPI Portal Updates

Check out recently added and revised pages:

  • About Us has been updated to highlight key resources and points of contact for credit unions
  • Knowledge Centre: this is a new section where you will find the latest news, reports and opinion on all things payments. Check out the recently added articles:
    • Top Trends in Payments 2021
    • What to Expect From Payment Trends in 2021 And Beyond
    • Payments Canada Selects Mastercard’s Vocalink As The Clearing And Settlement Solution Provider For Canada’s New Real-Time Payments System, The Real-Time Rail