Please explain what you mean by "load a file". Are you importing a csv file that uses | instead of ,?
Assuming that us what you mean....
At this time, there is no built in option with Import records for specifying a different delimitter than ",".
You can either use a text editor to change the delimitters into commas or import the data into an iterim table in FileMaker and then use a script to parse the data into various fields in your target table.