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How can I identify transactions I don't recognize?
Often, unrecognized transactions turn out to be legitimate transactions that aren't labelled or posted in an expected way. Please see What do I do if I don't recognize a transaction?
Sometimes merchants use codes or abbreviations that you may not recognize on your account activity or statement. Here are some of the most common merchant codes to help you identify your transactions.
Merchant Abbreviation |
Full Merchant Description |
---|---|
(A - C) |
|
AGF MTF |
AGF Mutual Funds |
AGR/AGR |
Agriculture/Stabilization Payment |
AHC |
Alberta Health Care |
AIP/RAA |
Automobile Insurance Plan |
ANN/REN |
Annuity |
AP/CC |
Accounts Payable |
APY/PAA |
Auto Payment |
AQUA FINANCE LOAN |
Water softener products etc. |
ARCH TRANSCO |
Taxi company with portable internet access |
BCF |
BC Ferry |
BCLC |
BC Lottery Corporation |
BDP* |
Business Development Program of Canada |
BDP* |
BC Student Loan |
BIPI |
Brownstone Investment Planning Inc. (CIMC) |
BLC/LBC MSP |
Banque Laurentian Du Canada/ Laurentian Bank |
BPI |
Balance Protection Insurance |
BPY/FAC |
Bill Payment (Phone, Hydro, Cable, Fuel, Utility) |
BUS/ENT |
Business Pre-Authorized Payment |
*<Customer's First and Last Name>* MSP |
Transaction from Paypal where a previous debit attempt was unsuccessful |
C*<Any 5 digits after the C>* |
Shell Gas Station |
CA |
Credit Application (1-888-283-1055) |
Canada FED |
Energy Rebates from the Government of Canada |
Canada FPT |
Government Deposit |
Canada GSL |
Canada Government Student Loan |
Canada LP_v |
Cogeco Cable |
Canada PRO |
Working Parent Family Bonus |
Canada RIT |
Return Income Tax/Tax Return Refund |
CBC |
Canadian Bonded Credit (1-866-830-7434) |
CCQ/CHP |
Customer Cheques |
CDC/CCL |
Canadian Dairy Commission |
C.D.T.C INC MSP |
Visa Desjardin |
CFS/PFC |
Canadian Forces Superannuation |
CHQ #00000 W/ AMOUNT 41.73 |
Curves for Women fitness club |
CLGEDUL |
Edulinx |
CM 888-505-5426 BUS |
"Cash Money" store |
CMS/GES |
Cash Management |
CNT/ITV |
Cannot Trace |
COT |
Cotis Frequency Contributor (Edward Jones) |
CPC/SCP |
Canada Post Corporation |
CPP/RPC |
Canadian Pension Plan |
CRS |
Cutter Recovery Services 1-866-483-5024 x2237 |
CSB/OEC |
CSB Interest |
CSC Fee |
Curzon’s Management Associates Inc. |
CSLP GSL |
National Student Loan Services Center |
CSP |
Canada Savings Bond |
CST |
Canadian Scholarship Trust |
CT2 CMS |
Pay Day Loan Store |
CTC/CIE |
Child Tax Credit |
CTFA |
CT Financial Assurance (TD Insurance,) |
CVS |
Cheque Verification System |
(D - L) |
|
DEB/DEF |
Institution in Default |
DEC/DEC |
Payor/Payee Deceased |
DEML |
Atco Gas/Direct Energy |
DERS BPY or MSP |
Direct Energy Regulated Services |
DCSERVICESCANADA |
Daimler Chrysler of Canada |
DFS ASS |
Desjardines Fin. Secur |
DIV/DVD |
Dividend (Common or Preferred) |
DON/DON |
Donations |
DTE/DTE |
Post/Stale Dated |
EAA/AAE |
Employment Assistance Allowance |
eCHK |
Insta Debit |
EI/AE |
Employment Insurance |
EJ Fee/Fraise MSP |
Edward Jones Investment Company |
EPMTX |
Payroll Taxes |
EXP/RDD |
Expense Payment |
FA/AF |
Family Allowances |
FED/FED |
Federal Government |
FEE/FRA |
Fees/Dues |
FMEP BC MSP |
Family Maintenance Enforcement Program (Child Support) |
FPT |
Combined Federal and Provincial Tax |
FSP/ROF |
Family Support Plan |
F.S.S.T CST |
Worker's Compensation (in Quebec) |
F.S.S.T CST |
Pay Day Loan Store |
GAINSTPS MSP |
Ontario Guaranteed Annual Income System |
G.E.T.F MSP/REP |
Global Education Trust Fund |
GLS/ETU |
Government Student Loans |
GS Canada |
Green Line Service Canada |
GST/TPS |
Goods and Services Tax |
HAC |
Hamilton Auto Corp. |
HCFI |
Honda Canada Finance |
HDC/SDR |
Health/Dental Claim Insurance |
HHL - PIA MSP |
Halifax Herald newspaper |
HRD/DRH |
HRDC - Training |
HSG/LOG |
Housing Allowance |
IA-PAC MSP |
An RESP company |
IAP/PAI |
Internet Access Payment |
ICM MSP |
Pay Day Loan Store |
INS LOC |
Line of Credit Insurance (1-888-983-7070) |
INS/ASS |
Insurance (Life, Auto Property, Mortgage, Casualty) |
INT/INT |
Interest |
INV/PLA |
Investment |
ISB/PSR |
Income Security Benefits |
KCI CMS |
King Cash Investments CMS |
L&M(BLOOR)MSP |
Long & McQuade Ltd (Bloor) |
LAF |
L.A. Fitness |
LNS/PRE |
Loans (Personal, Farm, Home, Term Insurance) |
LPP/PDL |
Lottery Prize Payment |
(M - S) |
|
MBFSCC |
Mercedes Benz Financial |
MFC |
McKenzie Funds Corp (Mutual Fund) |
MFC (Followed by digits) |
Manulife Financial Benefits Deposit |
MFC TDAET10201 MSP |
Manufacturers Life Insurance (Health Spending Account Claims) |
MFQ |
Quebec Child Tax Credit |
MFQ/SAE |
Ministry of Finance (Quebec EI) |
ML CMS |
Maple Leaf Loans |
MOGO |
Money on the Go (Calgary)-Similar to Money Mart |
MRQ |
Ministre Revenue de Quebec |
MSP/DIV |
Misc Payments |
MTF/FMU |
Mutual Funds |
MTG/HYP |
Mortgage (Residential, Commercial, Farm) |
MTO RUS-SO ECHANNEL |
Ontario Ministry of Transportation |
MTO RUS ECHANNEL |
Ontario Ministry of Transportation |
NCB (UCFS) |
National City Bank (UCFS) |
NCO DIN SER MSP |
collections agency |
NCO FIN SER |
APEX Item - Could be a charge from a third party |
NOR.CAN.EVAN.MI MSP |
Charity Deposit |
NSLSC |
National Student Loan Services Centre |
OAS/SV |
Old Age Security |
OF/IA |
Offences and Fines |
OLG |
Ontario Lottery and Gamin |
ON *Online |
Old Navy |
ONLINE - BR |
GAP and BANANA REPUBLIC |
ON MSP |
Honda Canada Finance |
PAP REJECTED |
TD Visa PAP rejected |
PAY/PAY |
Payroll Deposit |
PC # _____ - |
Price Chopper stores |
PC Mastercard |
President's Choice Mastercard |
PDL |
Pay Day Lenders |
PEN/PEN |
Federal Provincial or Private Pension |
PFB/PFA |
Provincial Family Benefits |
PFC Fee |
Premier Fitness Club |
PFS |
Primerica Financial Services |
PHC |
Provincial Housing Corporation |
PHC/FAM |
Provincial Health Care Premium |
PLAN ADMIN FEE / TDWIS FEE |
TD Waterhouse Annual Fee |
PPSA |
Personal Property Security Assurance |
PRO/PRO |
Provincial Government |
PSC |
Premiere Fitness |
PSC Fee |
Premiere Health Club |
PSS/PFP |
Public Service Superannuation |
RCL CHEQUE FEE |
Royal Credit Line Cheque Fee |
RCSS |
Real Canadian Superstore |
REP/REE |
RESP Contribution |
RIF/FRR |
Retirement Income Fund |
RIT |
Return Income Tax/Tax Return Refund |
RLS/LOY |
Rent(Residential, Commercial, Equipment, Automobile) |
RPM MSP |
Honda Canada Finance |
RSC |
Regency Sports Club |
RSP/RER |
RSP Contribution |
SCU MSP |
Servus Credit Union Ltd. |
Social Development Canada |
Collection Agency for the government of Canada |
SPL Loan |
Scotia Bank Loan (SCOTIA PLAN) |
SRP/RDC |
Spousal RSP Contribution |
(T - Z) |
|
TDSB |
Toronto District School Board |
The Cash Store |
Payroll Loan |
THS |
Toronto Humane Society |
TM CANADA INC |
Ticket Master |
TMSL VR |
Trilogy Management Services |
TOR HYD ELECT |
Toronto Hydro |
TXD/DIM |
Debt CCRA Government of Canada |
UCFS |
National City Bank |
USC |
University Scholarships of Canada (RESP) |
VA/AAC |
War Veteran's Allowance |
WBP/CE |
Water Bill Payment |
WCB/CST |
Worker's Compensation Board |
WSPA |
World Society Prevention Animals |
WU *<confirmation #>* |
Western Union |
YIG |
Your Independent Grocer |
Please note that the answers to the questions are for information purposes only for the products discussed. Individual circumstances may vary. In case of discrepancy, the documentation prevails.