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Vietnam - ACH template

Geography: This article is applicable for ANZ Transactive Global customers banking in Vietnam
Full details are available in Features by Geography.
About ACH templates

What is an ACH template?

ACH (Automated Clearing House) template allows you to setup frequently used payment instructions to transfer funds from your Vietnam domiciled VND account registered to ANZ Transactive Global, to a beneficiary's Vietnam domiciled account in Vietnam. Funds are credited to the beneficiary account on the next working day.

Once successfully created, you can use the preconfigured template to create your payment instructions.

Payment Template Rules for ACH payments

  • Fields marked with an asterisk (*) within a template are considered mandatory. Additional information can be added at time of payment, including value date, FX rate, additional information, etc.
  • Individual Debit indicator will not be displayed for Domestic Salary Payments as this will automatically be disabled by default.
  • Foreign Currency the exchange rate cannot be provided within a template but only shown once the template is approved and used to create a payment.
  • Template Approvals are required if your organisation needs Approval for templates when creating, editing or deleting a template. Once approved, the template can be used to create a payment.
  • New Beneficiaries added to a template may need to be approved before the template can be used to create a payment.
  • Invalid Character rules apply to this payment type.

Who can create an ACH template?

  • Eligible users with Payment Management role permissions and account access can create and manage an ACH template based on your organisation's predetermined user permissions and payment settings. These role permissions can include:
    • Manage Payments - Adhoc (Adhoc & Approved Beneficiaries)
    • Manage Payments - Approved Beneficiary / Templates
    • Manage Payments - Import Payments

Who can create and action a Domestic Salary payment template?

  • The Domestic Salary payment template option is only available to view and action if you have the following entitlements:
    • Payroll - view full payment instructions
    • Mask Confidential - view limited payment instructions when approving the payment.
  • Fields within a salary payment will be masked, including beneficiary name, beneficiary bank, account number, reference and payment amount. These fields will be represented by 'XXXX' and only visible to users with applicable entitlements.

Users with more than 1000 accounts, may need to use the Previous or Next arrows on the screen to search and select the debit account when creating a payment.

For more information, please refer to Role Permissions and User Permissions.
Payment template input screens
Domestic payment template screen
The following image is an example of a domestic payment screen with fields including the division, debit account, payment method, template name and description, and beneficiary details.
ACH Payment Template VN create screen.png
Beneficiary Payment Details screen
The following image is an example of a Beneficiary Payment Details screen with fields including the beneficiary's name, address and account details, beneficiary bank details, purpose code, beneficiary email advice option and additional remittance information.
ACH VN Template Beneficiary Payment Details Screen.png
Beneficiary Details screen
The following image is an example of the Beneficiary Details screen with fields including the beneficiary bank details, beneficiary's name and beneficiary email address.
VN Template Beneficiary Details Sccreen.png
Beneficiary Details grid - Masked salary payment
The following image is an example of the Beneficiary Details grid where fields within a salary payment are masked, including beneficiary name, account number, client reference and payment amount. These fields are represented by 'XXXX' and only visible to users with applicable entitlements.
Users without applicable entitlements will receive a pop-up message, "You are not entitled to view instruction details." 
Beneficiary Grid - Salary Payment Masked.png

Create ACH template

To create a domestic payment template, follow the steps below:

STEP ACTION
1 Click Payments > Templates menu.
2 Click New on the Control Bar.
3

If required, choose a Country or Region where the funding account is domiciled. Select either:

  • Australia, New Zealand or China
  • Other Countries or Regions (Hong Kong, India, the Philippines, Singapore or Vietnam)
4 Click Domestic Payment Template or Domestic Salary Payment Template.
5 If required, select the Division the payment will be made from.
If you are entitled to more than one division, you can set a default division for future payments.
6 Select the Debit Account.
7 Select ACH Payment Method.
8 Enter a Template Name up to 35 characters. This will become the Template Name when you create a payment from the template.
9 Enter Template Description up to 40 characters.
10 Enter a Payment Reference up to 35 characters that will appear within the narrative on the funding account, beneficiary's statement and payment reports.
11 If required, enter a Debit Advice Description up to 55 characters that will appear on your debit account statement.
12 If required, select a Payment Currency, i.e., AUD, EUR, GBP, JPY, USD or VND.
If required, tick Enter Amounts in Debit Currency if payment amount is in a different currency.
13 If required, tick the Individual Debits indicator to generate a separate debit entry on your account for each individual beneficiary payment instruction.
Not available for Domestic Salary payments.
14
To reduce the risk of fraud, ANZ recommends you always confirm beneficiary details when processing a payment.
Control Bar
CONTROL BAR ITEM DESCRIPTION
Add Add individual Beneficiary details to the payment instruction.
Remove Tick the checkbox next to the Beneficiary details, then click Remove.
Filter Filter data on the screen. Enter criteria into one or more text boxes that are under each column heading to display matching records.


Click Add to add one or more beneficiary details using the following options:

Add Beneficiary from your Beneficiaries list
Search and select the Beneficiary from the Beneficiary Name field, then proceed to next steps. If required, click Add again to add additional beneficiaries.
Add New Beneficiary
Users must have entitlements to create new beneficiaries to complete these steps.
STEP ACTION
1 Click Add New Beneficiary from the Beneficiary Name field.
2 'Add this Beneficiary to your Beneficiaries, when the template is submitted.' is selected by default.
3

Enter Beneficiary Bank Details:

  1. Clearing Code - Enter or search for the Beneficiary Bank Clearing code
  2. Account Number - Enter the beneficiary account number up to 34 characters
  3. Select Account Type
    • Resident Individual
    • Non-Resident Individual
    • Resident Corporate
    • Non-Resident Corporate
4

Enter Beneficiary Details:

  1. Beneficiary Name - Enter full legal name or registered legal entity name or beneficiary up to 140 characters
  2. Email Address - If required, enter Beneficiary email address(es) up to 255 characters, separated by a comma
  3. My Beneficiary ID - Enter your unique Beneficiary identifier up to 35 characters
  4. Country or Region - Select Beneficiary country or region
  5. Address Line 1 & 2 - If required, enter Beneficiary address up to 35 characters per line
  6. City - If required, enter Beneficiary City up to 35 characters
5 Click Save
6 If required, click Add again to add additional beneficiaries.
Proceed to next steps.
15 If required, enter Client Reference up to 35 characters if different from the Payment Reference prepopulated.
16 If required, enter the Beneficiary payment amount.
This can be added or updated at time of payment.
17

If required, click Beneficiary Payment Details icon to view or update additional beneficiary information:

Add or update Beneficiary Payment Details
STEP ACTION
1 Add or edit Beneficiary.
2 Add or edit Payment Amount.
3 Add or edit Client Reference up to 35 characters.
4

Select Purpose Code

Purpose Codes & Descriptions
PURPOSE CODE DESCRIPTION
59 NON-AUTOMATIC (NON-STP)
FX01 Payment for imports
FX02 One way transfer
FX03 Ovs TRF of income from direct invest
FX04 Capital decrease in direct invest
FX05 Direct investment to overseas
FX06 Ovs TRF of income from indirect invest
FX07 Ovs loan repayment & interest
FX08 FCY domestic loan repayment & interest
FX09 Others
SF01 Fund originated from exports
SF02 Fund from one way transfer
SF03 Capital injection of direct invest
SF04 Fund from M&A settlement, divestment
SF05 Fund from indirect investment (shares)
SF06 Fund from indirect investment (bonds)
SF07 Fund from overseas loan disbursement
SF08 Fund from borrowing locally in FCY
SF09 Others
5

Select Charges:

  • SHA - this means any fees charged by other banks (including our correspondent banks, any other intermediary banks and/or the recipient's bank) will be deducted from the payment before the proceeds are paid to the beneficiary.
  • OUR - 'OUR Charge' fee is charged by us. We will cover fees charged by our correspondent banks used in processing this payment. Other banks (including other intermediary banks and/or the recipient's bank) may charge an additional fee.
6 If required, enter Remittance Information up to 140 characters. This will appear on the Beneficiary Advice and Payment Detail Report.
7 If required, enter Additional Information up to 8000 characters. This will appear on the Beneficiary Advice and Payment Detail Report and is not included in the payment.
8 If required, enter Debit Advice Description up to 55 characters
9 If required, tick Email Beneficiary Advice and enter email address(es) up to 255 characters, separated by a comma
10 Click Save
18

Do you wish to continue the payment at a later stage?
 

  • Yes - Click Save as Draft, then click OK, then click Close to exit out to the payment and return to the Current Payments screen. Payment will be in a Draft status.
  • No - Continue steps below
19 Click Review & Submit.
20

Click Submit.
 

RESULT: Payment has been submitted and pending approval.
Errors and Alerts

Error and alert messages such as 'fields validations' display information about the impacted field(s) and highlights the field(s) in red. Error messages are specific to the payment method types, fields available and particulars validations. You can update the information within the impacted field(s) and continue processing the payment.

Mandatory field validations:

Error - Mandatory fields (Osko).png

Beneficiary alert notifications:

  • Error is indicated by a red triangle. Details must be corrected to proceed with payment processing.
  • Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing.
Beneficiary Alert Message.png

Errors and Alerts within the Beneficiary Payment Details screen:

  • Error is indicated by a red triangle. Details must be corrected to proceed with payment processing
  • Alert with Warning is indicated by an amber triangle. Details can be corrected or accepted to proceed with payment processing
Alerts Error Message.png

Next Steps

When the payment template has been successfully submitted for approval and is in a Pending Approval status, the next steps can be:

When the payment template has been successfully approved and is in an Approved status, the next steps can be:

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