Skip to main content
Contact

Use Payment File

Geography: This article is applicable for ANZ Transactive - Global customers banking in all ANZ geographies who use the Payments menu. For customers in Pacific and Laos, please refer to Asia & Pacific Payments.
Full details are available in Features by Geography.
Payment file upload will be available for Asia geographies from 2025 in a phased approach.
About Payment File Uploads

What are Payment Files?

With structured payment files formatted for specific payment method types, you can upload your predefined payment files directly into ANZ Transactive - Global to initiate a bulk payment instruction. Payment files can be uploaded in a number of different formats including, CSV and XML.

For file formatting specification, please refer to File Format Guides.

Payment File Rules

  • File Encoding determines what data can be stored in the file, e.g.,
    • UTF-8 can store every Unicode character
    • ASCII can only store the basic set of English characters
  • Import as a Salary Payment will be available for specific payment types, and for users who have access to Payroll entitlements
  • Individual Debits are not available for Salary Payments
  • Disable Beneficiary Details will prevent users from adding or editing any imported beneficiaries, however you can edit the amount or payment reference for each beneficiary in the file.
  • Only users who are entitled to the Confidential Data Group will be able to view and action payments when the Confidential Data Group option is selected.
Payment File Upload screens
The following images are examples of the menu screens with the option to Use Payment File.

Create Payment menu

Use Payment File tile.png

File Import Summary menu

Upload from File Import Summary screen.png
Payment file format types
Asia
Geography: This content is specific to customers banking in Hong Kong, India, Indonesia, Singapore, and Vietnam.
File Name Description
Asia Fixed Length Field positions must follow the Start Position and End Position in a fixed-length file format. All fields must be left justified unless specified.
Asia Pipe Delimited

Fields must be separated by a character in a delimited file format:

  • Pipe-delimited: separated by the pipe “|” character
  • Comma-delimited: separated by a comma “,”
Australia
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. 
China
File Name Description
Fixed-Length China Domestic Payments file format.
ISO XML China Domestic Payments file format.
MT101 RTGS/SCP and International Payments file format containing one or more payment instructions. Each payment instruction is processed as a single batch. 
New Zealand
File Name Description
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.
MT101 RTGS/SCP and International Payments file format containing one or more payment instructions. Each payment instruction is processed as a single batch. 

Upload Payment File video

Geography: This video is specific to customers banking in Australia, New Zealand and China.

Upload a payment file

There are multiple ways you can upload your formatted payment file in ANZ Transactive - Global from the Payments menu.
Choose from the following options:

  1. Click Create Payment > Upload Payment File (see step-by-step instructions below)
  2. Click File Import Summary > Click Upload Payments File from the control bar
STEP ACTION
1 Click Payments > Upload Payment File, or
Click Payments > File Import Summary menu > Upload Payment File
2 If required, select the Division the account transfer will be made from.
If you are entitled to more than one division, you can set a default division for future payments.
3 Select the File Format type
4 Select the File Encoding option:
  • UTF-8 can store every Unicode character
  • ASCII can only store the basic set of English characters
5 If required, tick Disable Beneficiary Details to prevent users from adding or editing any imported beneficiaries. You can edit the amount or payment reference for each beneficiary in the file.
6
For BPAY, MT101, Fixed-Length and ISO XML, please go to step 7.
The following file types require additional information:
Asia Fixed Length file
Upload screen - Asia Fixed Length.png
STEP ACTION
1 If required, tick Import as a Salary Payment
Asia Pipe Delimited file
Upload screen - Asia Pipe Delimited.png
STEP ACTION
1 If required, tick Import as a Salary Payment
Australia ABA file
Upload screen - ABA.png
STEP ACTION
1 If required, tick Import as a Salary Payment
2 If required, enter a Payment Reference up to 18 characters that will appear within the narrative on the debit account, on the beneficiary's statement and payment reports. If left blank, this will appear as the Description of entries on File, in the Descriptive record.
3 If required, enter a Statement Narrative up to 40 characters that will appear on your debit account statement. If left blank, this will appear as the Description of entries on File + the User Identification Number in the file Descriptive record.
4 If required, select a Confidential Data Group or Derive from the file. 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.
Australia ABA-OSKO file
Upload screen - ABA-Osko.png
STEP ACTION
1 If required, enter a Payment Reference up to 18 characters that will appear within the narrative on the debit account, on the beneficiary's statement and payment reports. If left blank, this will appear as the Description of entries on File, in the Descriptive record.
2 If required, select a Confidential Data Group or Derive from the file. 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.
Australia CSV File
Upload screen - CSV.png
STEP ACTION
1 If required, tick Import as a Salary Payment
2 Select Debit Account Number
3 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.
4 Enter Payment Name up to 16 characters that will appear on payment reports.
5 Enter Payment Reference up to 18 characters that will appear within the narrative on the debit account, on the beneficiary's statement and payment reports. If left blank, this will appear as the Description of entries on File, in the Descriptive record.
6 If required, select a Confidential Data Group
7 If required, select the Release Time in hours and minutes
8 Enter a Statement Narrative up to 40 characters that will appear on your debit account statement. If left blank, this will appear as the Description of entries on File + the User Identification Number in the file Descriptive record.
9 Select Direct Entry User ID
NZ CSV without Control Record File
Upload screen - NZ CSV without Control Record.png
STEP ACTION
1 If required, tick Import as a Salary Payment
2 If required, select the Individual Debits indicator to generate a separate debit entry on your account for each individual beneficiary payment instruction
3 Select Debit Account Number
4 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.
5 Enter Payment Name up to 16 characters that will appear on payment reports
6 If required, select a Confidential Data Group
7 If required, select the Release Time in hours and minutes
8 If required, enter Particulars up to 12 characters that will appear within the narrative on the debit account statement
9 If required, enter Code up to 12 characters that will appear within the narrative on the debit account statement
10 If required, enter Reference up to 12 characters that will appear within the narrative on the debit account statement
NZ CSV with Control Record File
Upload screen - NZ CSV with Control Record.png
STEP ACTION
1 If required, tick Import as a Salary Payment
2 If required, select the Individual Debits indicator to generate a separate debit entry on your account for each individual beneficiary payment instruction
3 Select Debit Account Number
4 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.
5 Enter Payment Name up to 16 characters that will appear on payment reports
6 If required, select a Confidential Data Group
7 If required, select the Release Time in hours and minutes
8 If required, enter Particulars up to 12 characters that will appear within the narrative on the debit account statement
9 If required, enter Code up to 12 characters that will appear within the narrative on the debit account statement
10 If required, enter Reference up to 12 characters that will appear within the narrative on the debit account statement
NZ CSV File
Upload screen - NZ CSV.png
STEP ACTION
1 If required, tick Import as a Salary Payment
2 If required, select a Confidential Data Group or Derive from the file. 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.
3 If required, enter Particulars up to 12 characters that will appear within the narrative on the debit account statement
4 If required, enter Code up to 12 characters that will appear within the narrative on the debit account statement
5 If required, enter Reference up to 12 characters that will appear within the narrative on the debit account statement
7 Click Browse to search and select your payment file
8 Click Start Upload
RESULT: The file will be scanned and processed.

Troubleshooting

File Validations: When uploading payment files, the files run through a number of file validations such as filename length, filename extensions, file size and number of records. You will be presented with an error message to correct the file and upload again.

File Formats: The following file formats are not acceptable: *.exe, *.pdf, *.xls, *.xlsx, *.mp3, *.mp4, *.png, *.jpeg, *.bmp, *.html, *.java, *.com, *.bat, *.sh, *.jsp

Next Steps

You may find these helpful

Guides

Videos

Need more help?

Video Transcript