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Features

BIB provides the following functions to an uploader at the customer end. These functions include but are not limited to:

Setup File Type & Options

Domestic Payment File Format

International Payment File Format

Upload Domestic Payees

Upload International Beneficiaries

Make Domestic Bulk Payment

Make Domestic Payment

Make International Bulk Payment

Make International payment

Initiate Own Account Transfer

View Domestic Payment Status

View Domestic Payees

View International Beneficiaries

View International Payment Status

Set up Email Reminder

Setup File & Options

This function enables the initiator to setup following options for both domestic and international payments:

1) File Type: The type of file a customer will use to upload bulk payments. It could be an Excel, CSV or TXT file.

2) Use Beneficiary List? : A “Yes” to the question implies that the user intends to make payments to registered beneficiaries/payees whereas a “No” to this question implies that the user intends to make payments to non-registered beneficiaries/payees. Registered payees or beneficiaries are the ones uploaded in the system via “Upload Domestic Payees” or “Upload International Beneficiaries” functionalities. Non-registered beneficiaries or payees are the ones to whom the user intends to make a one-off payment and hence are not uploaded in the system.

3) Is Payment Reference Unique? : Payment reference is a mandatory field available in the “Domestic Payment File Format” and “International Payment File Format” functionalities. A “Yes” to this question implies that every transaction in a payment file should and must have a unique reference. For example, if a reference “ABC12” has been allotted to a transaction then the same reference cannot be used again neither in the same file nor in future file uploads unless and until the response to the question is changed from “Yes” to “No.”

4) Email Escalation to Approvers: A “Yes” to this question implies that email notifications will be sent to the approvers to remind them about a batch(es) of transactions waiting for their authorization. The functionality enables the user to set-up time intervals for sending reminder email, as well as number of times reminder emails should be sent within the set-up time.

Domestic Payment File Format

BIB is designed to accept a payment schedule in a pre-defined format. This is to ensure that the schedule contains all the field names required for a successful upload. The system expects that if for example you set up Amount field to be field number 1 then during file upload it checks for Amount field in column 1. Validation will fail if field definition is different from what is been uploaded. There are three file types:

a) Excel and CSV: If the initiator has selected Excel file type in the Setup File Type & Options functionality, he should supply only field numbers corresponding to the excel payment file.

b) Text: If the initiator has selected Text file type in the Setup File Type & Options functionality, he should supply the field number, start position and end position.

Upload Domestic Payees

This functionality is used to upload a list of payees. The payees added in this list are called registered payees. The list should be in an advised format, which can be downloaded from the “Download Upload File” link. To upload the file, click on the browse button and upload the required file.

Upload International Beneficiaries

This functionality enables initiators to upload a list of international beneficiaries. The beneficiaries added in this list are called registered beneficiaries. The list should be in an advised format, which could be downloaded from the “Download Upload Format”.

Make Domestic Bulk Payment

This functionality is used to make domestic payments in bulk. For this, the initiator is required to upload a payment file. The payment file should be in the format defined by him under the Domestic File Format functionality. The initiator has the option of making payments to either registered payees or non-registered payees.

1) Registered Payees: Payments to registered payees are possible only if the answer to the Question: “Use Beneficiary List” is set as “Yes.” In this scenario, the payment file should contain following fields: a) Payee code: This should be exactly similar to payee codes provided in the list of registered payees. b) Amount c) Payment date d) Reference

2) Non-Registered Payees: Payments to non-registered payees are possible only if the answer to the Question: “Use Beneficiary List” is set as “No.” In this scenario, the payment file should contain all the 7 fields as defined under the Domestic File Format functionality.

3) Notifications: After a batch has been submitted successfully, the following parties or users will receive email notifications:
a) Approver: For requesting him to approve the transaction.
b)Relationship Manager: For notifying him about a transaction being initiated.

The system allows the processing of GTBank to GTBank, FPS and CHAPS payments with the same batch or file. However, FPS and CHAPS payments are chargeable on per transaction basis as per the charges defined by GTBank UK. A customer should upload separate files for CHAPS and FPS transactions. To use this functionality, select the relevant bank account and provide answer to the Use Beneficiary List Question Browse the required file and upload the same. Please note that the default response to the “Use Beneficiary List” field is aligned with the response provided by the user to the same question under the “Setup File Type & Options” function. A change to the default response will require a change in file format as well for a successful upload. Once the file is uploaded successfully, click on submit.

Make Domestic Payment

This function enables the initiator to make single batch transactions to registered or Non- registered payees.

1)Registered Payees: Payment to registered payees is possible only if the answer to the Question: “Use Beneficiary List” is set as Yes in the Setup File type & Options functionality. To make payment to a registered payee, select a payee from the drop down list and provide input for payment date, payment from A/C and transaction type and click on “Add to Batch”

2) Non-Registered Payees: Payment to Non-Registered payees is possible only if the answer to the Question: “Use Beneficiary List” is set as No in the Setup File type & Options functionality. To make payment to non-registered payees, provide input for all the required fields and click on “Add to Batch” After a number of single transactions have been added to a batch, click on the “Submit Batch” link.

3) Notifications: After a batch has been submitted successfully, the following parties or users will receive email notifications:
a) Relationship Manager: For notifying him about a transaction being initiated.
b) Approver: For requesting him to approve the transaction. The system allows the processing of GTBank to GTBank, FPS and CHAPS payments with the same batch or file. However, FPS and CHAPS payments are chargeable on per transaction basis as per the charges defined by GTBank UK.

Make International Payment

This function enables the initiator to make single batch payments to registered or Non-registered beneficiaries.

1) Registered Beneficiaries: Payment to registered beneficiaries is possible only if the answer to the Question: “Use Beneficiary List” is set as Yes in the Setup File Type & Options functionality. To make payment to registered beneficiaries, select a beneficiary from the drop down list, provide input for currency of payment, payment amount, charges, and purpose of payment, reference, payment date and payment from A/C.

2) Non-Registered Beneficiaries: Payment Non-Registered beneficiaries is possible only if the answer to the Question: “Use Beneficiary List” is set as “No” in the “Setup File Type & Options” functionality. To make payment to a non-registered beneficiaries, provide input for all the required fields and click on “Add to Batch”

After a number of single transactions have been added to a batch, click on “Submit Batch” link. The following parties or users will receive email notifications if a batch is successfully submitted:
1) Relationship Manager: For notifying him about a transaction being initiated.
2) Approver: For requesting him to approve the transaction.

The initiator can also view the status of these transactions in the “View International Payment Status” functionality.

Make International Bulk Payment

This function is used to make international payments in bulk. For this, the initiator is required to upload a payment file. He has the option of making bulk payments to either registered beneficiaries or non-registered beneficiaries.

1) Registered Beneficiaries: For making payments to non-registered beneficiaries, the initiator has to upload a payment file in a format defined under the “Domestic Payment File Format” functionality. Bulk payments to registered beneficiaries are possible only if the answer to the Question: “Use Beneficiary List” is set as “Yes” and a correct file format has been defined.

2) Non-Registered Beneficiaries: For making payment to non-registered beneficiaries, the initiator has to upload a payment file in a format defined under the “Domestic Payment File Format” functionality. Bulk payments to non-registered beneficiaries are possible only if the answer to the Question: “Use Beneficiary List” is set as “No” and a correct file format has been defined.

3) Notifications: The following parties or users will receive email notifications if the bulk payment is submitted successfully:
a) Relationship Manager: For notifying him about a transaction being initiated.
b) Approver: For requesting him to approve the transaction.

International payments can be made in GBP, USD and EURO. The system will accept a payment file only if all the transactions in the payment file are in the same currency. The initiator can view the approval status of these transactions in the “View International Payment Status” functionality. To use this functionality select the currency of payment, payment and charges accounts and answer to the Use Beneficiary List Question. Click on browse, select the file and click on Upload button.

Initiate Own Account Transfer

This function is used to initiate the transfer of funds within approver’s own accounts. This functionality brings in a condition that the transfer of funds is possible only if both the “To” and “From” accounts are in the same currency.

View International Payment Status

This function is used to view the status of international payments initiated by the uploader/initiator. A transaction could have either of following statuses:

1) Approved: Transaction that are approved by authorizers.
2) Declined: Transactions that are declined or rejected by authorizers.
3) Pending: Transactions on which no action has been taken yet by authorizers.

To use this functionality, select the “To” and “From” date and click on generate. You will be presented with a grid of batch transactions initiated within that period of time. Click on “View” to view the status of all the transactions in that batch.

View International Beneficiaries

This functionality is provided to enable initiators view the status of registered international beneficiaries. The status of the beneficiaries could be active or inactive. The functionality also enables to export the results in excel file. Select the customer and status type and you will be presented with a list of active or inactive customer.

View Domestic Payees

This functionality is provided to enable initiators/uploaders view the status of registered domestic payees. The status of the payees could be active or inactive. The functionality also enables to export the results in excel file. Select the customer and status type and you will be presented with a list of active or inactive customer.

View Domestic Payment Status

This function is used to view the status of domestic payments initiated by the uploader/initiator. A transaction could have either of following statuses:

1) Approved: Transaction that are approved by authorizers.
2) Declined: Transactions that are declined or rejected by authorizers.
3) Pending: Transactions on which no action has been taken yet by authorizers.

To use this functionality, select the “To” and “From” date and click on generate. You will be presented with a grid of batch transactions initiated within that period of time. Click on “View” to view the status of all the transactions in that batch.

Setup Email Reminder

This function is used to setup email reminders for the approver required to approve the transaction, as well as setup escalation emails for the next level of approvers where a transaction is not acted upon by the required approver within the time set by the initiator via this function. Please see fig below for more clarity.

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