Adding recipients and making payments from a file upload

You can add new recipient records or update existing recipient records when uploading NACHA-compliant ACH files, 5-column CSV files, or batch wire CSV files to streamline recipient management, especially for large companies with multiple recipients. This functionality can be especially useful if a company previously managed payment and collection processing within another application. This is a feature right, and must be enabled in order to upload recipients.

Note:  Users must have the Recipient Upload from Batch right enabled and access to ACH and/or wire payments to add recipient records from ACH or wire files. Users must also have Manage Recipient rights enabled.

You can also make payments from a file upload to streamline high-volume wire transfer submission and execution needs. These payments include payroll, ACH collection, ACH batch, domestic wires, and international wires. If the system detects errors, you can download a list of errors to correct before uploading the file again.

Note:  This feature is only available in online banking, not in mobile banking.

To add recipients and upload multiple payments from a file

  1. In the navigation menu, click Commercial > Payments.
  2. On the New Payment drop-down list, click Payment From File.
  3. On the Payment From File page, do the following:
    1. In the Payment Type drop-down list, select a payment type.

    Note:  When you select a payment type, a sample file of that payment type appears as a link next to the selection. Upload guidelines also appear for each selected payment type, and a link to a PDF appears above the file selection. This File Specification PDF is tailored to outline the specifications of the FI.

    1. Click Select a file to upload, then select a file.
    2. Click Save Recipients. A message appears displaying how many recipients were saved and how many already exist.
    3. Click the close (X) icon on the Recipients Saved message.
    4. Click Upload File. If the Wires upload is successful, the Set Up Wires page appears. If the ACH upload is successful, the Payment From File - Additional Information page appears.

    Note:  If the upload is unsuccessful, the file is invalid and an error message appears. Once the errors are fixed and the file is valid, you can successfully upload the file.

    Note:  When a wire file is uploaded and the contents in the uploaded file are "allowed" (entitlements support dollar amounts, pay from accounts, etc.), a green message for each transaction appears, validating the transaction.

    If the contents in the uploaded file are not supported by the entitlements, the row is highlighted red and an error message appears for each invalid transaction.

  4. Continue through the payment workflow for either the Wire or ACH upload. All fields with an asterisk are required.
  5. Review the payments, then click Draft or Approve. A confirmation message appears.
  6. Click Visit Activity Center or Return to Payments.