Processing payments

Payment files contain payments that you want PaymentsPlus to process.

To upload a payment file, use the REST API or click Upload File in the Payments menu.

Getting started

1. Determine the payment channels you will use to send payments.
2. Set your company authorisation mode.
3. Set your company and user authorisation value limits.
4. Configure email remittances (if sending email remittances).
5. Create a payment file in one of the supported file formats.
6. Upload a payment file, using the REST API or click Upload File in the Payments menu in the portal.
7. Receive and process a payment response file.

Supported payment channels

PaymentsPlus supports payments using these payment channels.

Australia and New Zealand:

• Electronic Funds Transfer (EFT)
• Cheque (including Bank and Corporate cheque types)
• Overseas Telegraphic Transfer (OTT)

Australia only:

• OSKO Payments
• BPAY
• Real Time Gross Settlement (RTGS)

Authorisation modes

Control the processing of your files using one of three authorisation modes:

• No authorisation (straight through processing).
• Single authorisation (payment files must be authorised once before being scheduled for processing).
• Dual authorisation (payment files must be authorised twice before being scheduled for processing).

Click Preferences in the Administration menu to see the Payment File Authorisation Type for your company.

Authorisation value limits

Configure authorisation value limits to ensure they are not exceeded by individual authorisers:

• per transaction, and/or
• per payment file, and/or
• per day limits.

Click Users in the Administration menu to set Authorisation Limits for each user with the Authorise Payment Files user task.

Email remittances

PaymentsPlus sends email remittances to your payees. To do this:

1. Click Preferences and then Remittance Format in the Administration menu to configure your email remittance layout.
2. Set the Remittance Delivery Type to EMAIL in Australian payment import CSV and New Zealand payment import CSV formats.
3. Set RmtLctnMtd to EMAIL in the ISO 20022 pain.001.001.003 format.

File formats

Use one of the following options:

Option 1 - You have Australian-domiciled accounts.

Send Australian payment import CSV file into PaymentsPlus.

Reconcile using the Australian response CSV if you are only sending domestic payments, or International response CSV file if you are sending international payments.

Option 2 - You have New Zealand-domiciled accounts

Send New Zealand payments import CSV file into PaymentsPlus and reconcile using the International response CSV file.

Option 3 - Your back-end system is compatible with ISO 20022 pain.001.001.003 and pain.002.001.003

Accounts payable processes use ISO 20022 pain.001.001.003 and pain.002.001.003 messages according to the CGI (Common Global Implementation).

Option 4 - Your back-end system is compatible with Rockend REST.

Send a Rockend REST payment import file into PaymentsPlus and reconcile using the Rockend REST response CSV file.