Payments Canada Holidays 2027: Lynx and ACSS Closures

Canadian payments settle through Payments Canada: Lynx for wires and ACSS for EFT, pre-authorized debits (PADs) and cheques. When the systems are closed, payroll deposits, PADs and transfers don't settle, so these are the holidays that matter for Canadian payment dates.

2027 Lynx and ACSS closures

What doesn't close the systems

• Provincial holidays: Family Day, the August Civic Holiday, Saint-Jean-Baptiste Day and Easter Monday are not closures. Payments settle normally even where offices are closed, so there's no need to run payroll early for them.
• Remembrance Day is the reverse case: it isn't a statutory holiday in Ontario or Quebec, but Lynx and ACSS are closed, so payments don't settle anywhere in Canada.

Weekend holidays move to a weekday

When a holiday falls on a weekend, the closure moves to the next business day. In 2027: Christmas Day falls on Saturday, December 25, so the closure moves to Monday, December 27; Boxing Day falls on Sunday, December 26, so the closure moves to Tuesday, December 28.

Check Canadian business days in code

curl "https://bankday.dev/v1/business-day?calendar=ca-payments&date=2027-08-02" \
  -H "Authorization: Bearer $BANKDAY_KEY"

That's the 2027 Civic Holiday, and the answer is "business_day": true. The aliases lynx and acss work too, and calendar=ca-payments,us-fed gives days when both Canadian and US payments settle.

See also: Payments Canada calendar · US ACH holiday schedule 2027 · when payday falls on a bank holiday