Federal · SOR/2026-133

Canadian Payments Association By-law No. 10 — RTR

Under the CANADIAN PAYMENTS ACT

Current version date August 24, 2026 · official source text · watch this law (RSS)

Financial Services & Insurance

Change history

Federal · NewDate recorded August 24, 2026

Canada's new Real-Time Rail (RTR) payment system gets its governing rulebook

Payments Canada has created a comprehensive by-law establishing the rules for Canada's Real-Time Rail (RTR) — a new system for near-instant electronic payments between financial institutions. The by-law sets out who c…

SOR/2026-133Financial Services & InsuranceGovernment Operations