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Upload Direct Debit File

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

The File Formats Guide contains the specifications for each available file listed below. Please note that the file formats are written from a payments perspective and as such, the following terminology should be considered for direct debits:

  • Debit Account for payments is Credit Account for direct debits
  • Beneficiary/Payee for payments is Payer for direct debits
About Direct Debit File Uploads

What are Direct Debit Files?

With structured formatted files, you can upload your predefined direct debit files directly into ANZ Transactive - Global to initiate an instruction. Direct Debit files can be uploaded in a number of different formats including, ABA and CSV.

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

Direct Debit 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
  • Disable Payer Changes will prevent users from adding or editing any imported payers, however you can edit the amount or direct debit reference for each payer in the file.
Direct Debit File Upload screens

The following images are examples of the menu screens with the option to Upload Direct Debit File.

Create Direct Debit menu

Upload Direct Debit File.png
 

File Import Summary menu

Upload Direct Debit File - File Import Summary.png
Direct Debit file format types
Australia
File Name Description
ABA Australia Direct Debit file format containing one or more batches of instructions.
CSV Australia Direct Debit file format containing one batch instructions.
New Zealand
File Name Description
NZ CSV without Control Record Import a New Zealand CSV file containing 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 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 file containing one or more batches instructions.

Upload a direct debit file

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

  1. Click Create Direct > Upload Direct Debit File (see step-by-step instructions below).
  2. Click File Import Summary > Click Upload Direct Debit File from the control bar.
STEP ACTION
1 Click Receivables> Upload Direct Debit File, or
Click Receivables> File Import Summary menu > Upload Direct Debit File
2 If required, select the Division the direct debit will be made from.
If you are entitled to more than one division, you can set a default division for future direct debits.
3 Select the File Format type (see options below).
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 Payer Changes to prevent users from adding or editing any imported beneficiaries. You can edit the amount or direct debit reference for each beneficiary in the file.
6

The following file format types require additional information:

Australia ABA file

Upload Direct Debit File - ABA.png
 

STEP ACTION
1 If required, enter a Direct Debit Reference up to 18 characters. This will appear as part of the narrative on the credit account and payers' statement and on direct debit reports. If left blank, this will default to the Description of entries on File in the file Descriptive record.
2 If required, enter a Statement Narrative up to 40 characters. This will appear as part of the narrative on the credit account statement. If left blank, this will default to the Description of entries on File + the User Identification Number in the file Descriptive record.
Australia CSV File

Upload Direct Debit File - CSV.png
 

STEP ACTION
1 Select Credit Account Number.
2 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.
3 If required, select the Release Time in hours and minutes
4 Enter a Direct Debit Name up to 16 characters. This will appear on direct debit reports. 
5 Enter a Statement Narrative up to 40 characters. This will appear as part of the narrative on the credit account statement. 
6 Enter a Direct Debit Reference up to 18 characters. This will appear as part of the narrative on the credit account and on direct debit reports.
7 Select Direct Entry User ID.
NZ CSV without Control Record File

Upload Direct Debit File - NZ CSV without CR.png
 

STEP ACTION
1 If required, select the Individual Credits indicator to generate a separate credit entry on your account for each individual direct debit instruction.
2 Select Credit Account Number.
3 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.

4

 If required, select the Release Time in hours and minutes.
5 Select a Trace Account for direct debits that cannot be processed.
6 Enter a Direct Debit Name up to 16 characters. This will appear on direct debit reports. 
7 Select an Authorisation Code.
8 If required, enter Particulars up to 12 characters that will appear within the narrative on the credit account statement.
9 If required, enter Code up to 12 characters that will appear within the narrative on the credit account statement.
10 If required, enter Reference up to 12 characters that will appear within the narrative on the credit account statement.
NZ CSV with Control Record File

Upload Direct Debit File - NZ CSV with CR.png
 

STEP ACTION
1 If required, select the Individual Credits indicator to generate a separate credit entry on your account for each individual direct debit instruction.
2 Select Credit Account Number
3 Value Date will default with the current business date.
If required, choose a future value date up to 120 days.
4 If required, select the Release Time in hours and minutes.
5 Select a Trace Account for direct debits that cannot be processed.
6 Enter a Direct Debit Name up to 16 characters. This will appear on direct debit reports. 

7

 Select an Authorisation Code.
8 If required, enter Particulars up to 12 characters that will appear within the narrative on the credit account statement.
9 If required, enter Code up to 12 characters that will appear within the narrative on the credit account statement.
10 If required, enter Reference up to 12 characters that will appear within the narrative on the credit account statement.
NZ CSV File

Upload Direct Debit File - NZ CSV.png
 

STEP ACTION
1 If required, enter Particulars up to 12 characters that will appear within the narrative on the credit account statement.
2 If required, enter Code up to 12 characters that will appear within the narrative on the credit account statement.
3 If required, enter Reference up to 12 characters that will appear within the narrative on the credit account statement.
7 Click Browse to search and select your direct debit file.
8

Click Start Upload

RESULT: The file will be scanned and processed.

Troubleshooting

File Validations: When uploading direct debit 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

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