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Upload Payment File

Geography: This article is applicable for ANZ Transactive - Global customers banking in Australia, New Zealand and China.
Full details are available in Features by Geography.

The File Formats Guide contains the specifications for each available file listed below.
File Name Description
ABA Australia Domestic Payments file format containing one or more batches of payment instructions.
ABA - Osko Australia Domestic Payments file format that will be processed using the Osko payment method, allowing beneficiaries to receive funds in near real time. 
CSV Australia Domestic Payments file format containing one batch of payment instructions.
BPAY Australia BPAY Payments file format containing payment instructions to one or more billers. A batch is created for all instructions in the file that have the same funding account and value date. Your funding account is debited for each instruction in a BPAY batch.
MT101 RTGS/SCP and International Payments file format containing one or more payment instructions. Each payment instruction is processed as a single batch. 
NZ CSV without Control Record Import a New Zealand CSV file containing payment instructions in one batch, excluding a Batch Control Record. You will need to enter the header information when importing the file. 
NZ CSV with Control Record Import a New Zealand CSV file containing payment instructions in one batch, including a Batch Control Record. You will need to enter the header information when importing the file.
NZ CSV Import a New Zealand domestic payment file containing one or more batches of payment instructions.
Fixed-Length China Domestic Payments file format.
ISO XML China Domestic Payments file format.

You can upload a payment file from one of the following screens:

Create Payment: Use Payment File.pngFile Import Summary: Upload File.png

For instructions on how to upload your file, select the relevant file format:

ABA
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select ABA from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. For salary payments, tick Import as a Salary Payment
    You will only see this if you have Payroll as an entitlement. Only users with the Payroll entitlement will be able to view and action the payment.
  5. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  6. Enter a Payment Reference up to 18 characters. This will appear as part of the narrative on the debit account and beneficiaries statement and on payment reports. If left blank, this will default to the Description of entries on File in the file Descriptive record.
  7. Enter a Statement Narrative up to 40 characters. This will appear as part of the narrative on the funding account statement. If left blank, this will default to the Description of entries on File + the User Identification Number in the file Descriptive record.
  8. If required, select a Confidential Data Group or Derive from the file from the drop-down list. If deriving from the file, ensure the Description of entries on File field in the file Descriptive Record contains the full Confidential Data Group Name . 
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  9. Click Browse to find and select the payment file to upload
  10. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
ABA-OSKO
Osko payments are processed using individual debits which results in a separate debit on your account for each payment instruction.
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select ABA - Osko from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  5. Enter a Payment Reference up to 18 characters. This will appear as part of the narrative on the debit account and beneficiaries statement and on payment reports. If left blank, this will default to the Description of entries on File in the file Descriptive record.
  6. If required, select a Confidential Data Group or Derive from the file from the drop-down list. If deriving from the file, ensure the Description of entries on File field in the file Descriptive Record contains the full Confidential Data Group Name. 
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  7. Click Browse to find and select the payment file to upload
  8. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
CSV
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select CSV from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. For salary payments, tick Import as a Salary Payment
    You will only see this if you have the Payroll entitlement. If selected, only users with this entitlement will be able to view and action the payment. 
  5. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  6. Select the Account Number the funds are being debited from
  7. If you are future dating the payment, click on the calendar in Value Date and choose a future date, up to 120 calendar days. Otherwise, leave the Value Date set to "today".
  8. Enter a Payment Name up to 16 characters. This will appear on payment reports. 
  9. Enter a Payment Reference up to 18 characters. This will appear as part of the narrative on the debit account and beneficiaries statement and on payment reports. If left blank, this will default to the Description of entries on File in the file Descriptive record.
  10. If required, select a Confidential Data Group from the drop-down list. 
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  11. If you need to set a specific Release Time for when the payment will be processed on the Value Date, select the Hour and Minute (in increments of 10 minutes). 
  12. Enter a Statement Narrative up to 40 characters. This will appear as part of the narrative on the funding account statement. If left blank, this will default to the Description of entries on File + the User Identification Number in the file Descriptive record.
  13. Select the DE User ID from the drop-down list
  14. Click Browse to find and select the payment file to upload
  15. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
BPAY
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select BPAY from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  5. Click Browse to find and select the payment file to upload
  6. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
MT101
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select MT101 from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  5. Click Browse to find and select the payment file to upload
  6. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
NZ CSV without Control Record

  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select NZ CSV without Control Record from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. For salary payments, tick Import as a Salary Payment 
    You will only see this if you have the Payroll entitlement. If selected, only users with this entitlement will be able to view and action the payment. 
  5. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  6. Tick Individual Debits if you need one statement entry for each transaction processed
    Individual Debits are not available for Domestic Salary Payments.
  7. Select the Account Number the funds are being debited from
  8. If you are future dating the payment, click on the calendar in Value Date and choose a future date, up to 120 calendar days. Otherwise, leave the Value Date set to "today".
  9. Enter a Payment Name up to 16 characters. This will appear on payment reports. 
  10. If required, select a Confidential Data Group from the drop-down list
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  11. If you need to set a specific Release Time for when the payment will be processed on the Value Date, select the Hour and Minute (in increments of 10 minutes). 
  12. Enter Particulars up to 12 characters that will appear as part of the narrative on the funding account statement
  13. Enter Code up to 12 characters that will appear as part of the narrative on the funding account statement
  14. Enter Reference up to 12 characters that will appear as part of the narrative on the funding account statement
  15. Click Browse to find and select the payment file to upload
  16. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
NZ CSV with Control Record
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select NZ CSV with Control Record from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. For salary payments, tick Import as a Salary Payment
    You will only see this if you have the Payroll entitlement. If selected, only users with this entitlement will be able to view and action the payment. 
  5. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  6. Tick Individual Debits if you need one statement entry for each transaction processed
    Individual Debits are not available for Domestic Salary Payments.
  7. Select the Account Number the funds are being debited from
  8. If you are future dating the payment, click on the calendar in Value Date and choose a future date, up to 120 calendar days. Otherwise, leave the Value Date set to "today".
  9. Enter a Payment Name up to 16 characters. This will appear on payment reports. 
  10. If required, select a Confidential Data Group from the drop-down list
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  11. If you need to set a specific Release Time for when the payment will be processed on the Value Date, select the Hour and Minute (in increments of 10 minutes)
  12. Enter Particulars up to 12 characters that will appear as part of the narrative on the funding account statement
  13. Enter Code up to 12 characters that will appear as part of the narrative on the funding account statement
  14. Enter Reference up to 12 characters that will appear as part of the narrative on the funding account statement
  15. Click Browse to find and select the payment file to upload
  16. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
NZ CSV
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select NZ CSV from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. For salary payments, tick Import as a Salary Payment 
    You will only see this if you have the Payroll entitlement. If selected, only users with this entitlement will be able to view and action the payment. 
  5. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  6. If required, select a Confidential Data Group or Derive from the file from the drop-down list. If deriving from the file, ensure the Batch Name field in the file Descriptive Record contains the full Confidential Data Group Name. 
    Only users who are entitled to the Confidential Data Group will be able to view and action the payment.
  7. Enter Particulars up to 12 characters that will appear as part of the narrative on the funding account statement
  8. Enter Code up to 12 characters that will appear as part of the narrative on the funding account statement
  9. Enter Reference up to 12 characters that will appear as part of the narrative on the funding account statement
  10. Click Browse to find and select the payment file to upload
  11. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
Fixed-Length
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select Fixed Length from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  5. Click Browse to find and select the payment file to upload
  6. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.
ISO XML
  1. If you are entitled to more than one Division, select the Division under which the payment will be made
    Did you know that you can setup a default Division? Click here to find out more.
  2. Select ISO XML from the File Format drop-down list
  3. Leave the File Encoding default as UTF-8 or select US-ASCII from the drop-down list
    File Encoding determines what data can be stored in the file. For example, ASCII can only store the basic set of English characters whereas UTF-8 can store every Unicode character.
  4. If you need to add new beneficiaries or edit beneficiary details after the file is imported, ensure Disable Beneficiary Details is not selected
    If enabled, users will still be able to edit the amount or payment reference for each beneficiary in the file.
  5. Click Browse to find and select the payment file to upload
  6. Click Start Upload
    Start Upload.png
    RESULT: The file will be scanned and processed. You can find details of the file in the File Import Summary screen. If a payment was successfully created, it can be viewed in the Current Payments screen.