Online Banking for Business ELECTRONIC FUNDS TRANSFER USER GUIDE

Transcription

1 Online Banking for Business ELECTRONIC FUNDS TRANSFER USER GUIDE

2 CONTENTS ELECTRONIC FUNDS TRANSFER 4 Technical Requirements 5 Trusteer Rapport 6 Signing into Online Banking for Business 7 Resetting a Forgotten Password 9 Setting Up a SecurID Soft Token on Your Computer 11 Downloading the RSA SecurID Software for Your Computer 11 Installing the RSA SecurID Software on Your Computer 11 Importing a Software Token for Your Computer 14 SecurID Authentication Requirements in Electronic Funds Transfer 17 Authenticating with a SecurID Token in EFT 18 Authenticating with a SecurID Token in EFT when Setting Up a New PIN 19 Returning SecurID Hardware Tokens 20 Searching for Items in a List 22 Verification Statuses 23 Transaction-Type Codes 24 WORKING WITH SERVICE AGREEMENTS 28 Selecting a Service Agreement 30 Viewing your Service Agreement 32 Navigation Quick Reference for Service Agreements 34 Managing Payment Groups 36 Adding a Payment Group 37 Viewing a Payment Group 39 Modifying a Payment Group 42 Deleting a Payment Group 45 Viewing a Payment Summary 47 Managing Payments 49 Adding a Payment 51 Viewing a Payment 54 Modifying a Payment 58 Changing a Payment Amount 61 Deleting a Payment 63 Downloading Payments 67 Moving Payments Between Payment Groups 69 Moving a Payment Selecting a Payment 70 Selecting a Payment Group to Verify 72 Verifying Payments and a Payment Group 73 Releasing Payments 76 Building a File 76 Authorizing a File 78 Releasing a File 80 Post-Delivery Tasks 82 Payment Statuses 82 Correction Requests 83 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 2

3 Managing Correction Requests 84 Correcting a Payment 87 Viewing Submitted Correction Requests 89 Viewing a Correction Request 90 Deleting a Correction Request 93 Verifying Correction Requests 95 Resubmission Requests 97 Managing Resubmission Requests 99 Resubmitting a Payment 102 Viewing Submitted Resubmission Requests 104 Viewing a Resubmission Request 105 Deleting a Resubmission Request 108 Verifying Resubmission Requests 111 Recall Requests 113 Selecting a Payment to Recall 114 Recalling a Payment 116 Recalling a Payment Group 118 Selecting a Payment Group to Recall 120 Recalling a File 121 Viewing Submitted Recall Requests 123 Confirming Files 125 Investigation 127 Tracing a Payment 127 Viewing Trace Payment Details 130 Requesting a Manual Trace 132 Viewing File Status 134 Viewing Payments Rejected by EFT 136 Viewing a Rejected Payment 138 WORKING WITH TRANSITS 140 Selecting a Transit 141 Viewing your Transit 142 Navigation Quick Reference for Transits 143 Tracing a Payment 144 Viewing Trace Payment Details 146 Managing Return Requests 149 Returning a Payment 151 Viewing Submitted Return Requests 153 Viewing a Return Request 154 Deleting a Return Request 157 Verifying Return Requests 159 GLOSSARY 161 INDEX 162 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 3

4 ELECTRONIC FUNDS TRANSFER ELECTRONIC FUNDS TRANSFER The Electronic Funds Transfer (EFT) service enables you to pay suppliers and employees and debit customer accounts electronically at any financial institution in Canada. When you work with this service, you use either service agreements, transits, or both. With service agreements, you can create and maintain your own debit and/or credit payment files. You define settlement dates in advance, to save the costs of late or missed payments and eliminate the costly manual processes associated with preparing and processing cheques. For additional information, see "Working with Service Agreements" on page 28. For financial institutions, you use transits to receive payment files on behalf of your clients. Transits identify your clients' accounts. For additional information, see "Working with Transits" on page 140. To access the Electronic Funds Transfer service, select Payments & Receivables > Electronic Funds Transfer from the Online Banking for Business menu. When you select this menu option, your home page in this service opens. This is one of the following pages, where you can view or change the scope of your work in this service for the current session: If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. If you are entitled to multiple service agreements, the Select a Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one transit, and you are not entitled to any service agreements, the Transit page opens. For details, see "Viewing your Transit" on page 142. If you are entitled to multiple transits, and you are not entitled to any service agreements, the Select a Transit page opens. For details, see "Selecting a Transit" on page 141. The Electronic Funds Transfer documentation is organized for working with either service agreements or transit. Please ensure you refer to the appropriate section of the documentation when working with this service. The information in this guide is also available in the Online Banking for Business User Guide and online help system. To open the help system from within Online Banking for Business, click the Help button page. from any To open the user guide from within this help system, click the View This Online Help System as a PDF link at the top right corner of every page. Note about user access: Depending on your job, you may not be able to view all pages, or all functions in a page, or perform all the tasks outlined in this guide. You can view an interactive demo of Online Banking for Business, including the Electronic Funds Transfer service, by clicking the View Demo button Note: Viewing the demo is not supported in Microsoft Internet Explorer version 6.0. Note: CR is credit; DR is debit. from any page. The demo opens in a new browser window or tab. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 4

5 ELECTRONIC FUNDS TRANSFER TECHNICAL REQUIREMENTS TECHNICAL REQUIREMENTS The following browsers and system requirements are recommended for the best performance: Supported Browsers Internet Explorer 6, 7, 8. For the best online banking experience, Internet Explorer 8 is recommended. Minimum System Requirements 486/66-Mhz processor or higher (Pentium III Processor recommended) with a Windows based operating system (Windows Me, NT 4.0 with SP6a and higher, 2000, or XP). Encryption Online Banking for Business is a secure site requiring a higher level of encryption security than what you might have installed on your computer. Your browser must be enabled with 256-bit encryption in order to access the system. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 5

6 ELECTRONIC FUNDS TRANSFER TRUSTEER RAPPORT TRUSTEER RAPPORT Enhance your security by downloading Trusteer Rapport, a robust online fraud and identity theft protection solution, at no charge. Trusteer Rapport adds another layer of protection to your existing antivirus and firewall software by safeguarding the connection between the bank and your computer against common online threats. The software also verifies that you are accessing the banks's genuine Online Banking site and not a phishing website claiming to be the bank, and it will take less than a minute to download onto your PC. The software is now available for download from our genuine Online Banking sites login pages. Note: If you already have Trusteer Rapport security on your PC, you do not need to re-download the software to use it when you are banking online with the bank. The site will already be configured to be protected. For more information, or should you have any questions, please contact your Sales Representative. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 6

7 ELECTRONIC FUNDS TRANSFER SIGNING INTO ONLINE BANKING FOR BUSINESS SIGNING INTO ONLINE BANKING FOR BUSINESS Only entitled users are allowed to access Online Banking for Business by signing in. Note: Online Banking for Business is available in both English and Canadian French. To view the French sign-in page, click the Français link in the top right corner of the page. Your language setting for all other pages is defined in your user profile. Note: You must enable JavaScript on a BlackBerry smartphone to access the Sign In page for Mobile Banking for Business. Recommendation: Install Trusteer Rapport. For details, see "Trusteer Rapport" on page 6. To log into Online Banking for Business: 1. In your Web browser, navigate to the Online Banking for Business website, www21.bmo.com. Note: Both Online Banking for Business and Mobile Banking for Business use the same website, and you sign into both sites using the address above. Important: Ensure that your company's IT department enables any internal firewall software to accept the following addresses: www22.bmo.com and www23.bmo.com. 2. Enter the following information: In the Customer ID field, enter your company's ID. In the User ID field, enter the user ID assigned to you by the administrator. In the Password field, enter your password. If you are signing in for the first time, contact your administrator for your password. 3. Click the Sign in button. Your Home page opens. Note: If you are required to authenticate using SecurID when you sign into Online Banking for Business, the SecurID Challenge page opens instead of your Home page. For instructions on authenticating with SecurID, see "Authenticating with a SecurID Token in EFT" on page 18. For instructions on authenticating with SecurID when you have a new or reset PIN, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 7

8 ELECTRONIC FUNDS TRANSFER SIGNING INTO ONLINE BANKING FOR BUSINESS Note: If you do not remember your password, click Forgot My Password. The Forgot Password page opens, where you can reset your password. For details, see "Resetting a Forgotten Password" on page 9. If you are not entitled to the self-serve password service, an error message is displayed. If this occurs, ask your administrator to reset your password. Note: After three consecutive unsuccessful sign-in attempts, the system locks your user and password. If this happens, please ask your administrator to unlock your user and reset your password. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 8

9 ELECTRONIC FUNDS TRANSFER RESETTING A FORGOTTEN PASSWORD RESETTING A FORGOTTEN PASSWORD When you forget your password and cannot sign in to Online Banking for Business, you can reset it with a temporary password. Note: If you want to change your password when you are already signed in to Online Banking for Business, you can do this on the User Profile page. To reset your password: 1. In the Online Banking for BusinessSign In page, click Forgot My Password. The Password Reset page opens. Note: If you are not entitled to the self-serve password reset service, a warning is displayed. If this occurs, please ask your administrator to reset your password. 2. Enter the following information: In the Customer ID field, enter your company's ID. In the User ID field, enter the user ID assigned to you by the administrator. In the field, enter the address on file for you at the bank. 3. Click Continue. The bank sends your temporary password to your address. This temporary password expires within approximately twenty minutes. The Online Banking for Business Sign In page reopens. Note: If you clicked Cancel, the Sign In page reopens without the bank sending you a temporary password. 4. Use the temporary password to sign in. For details, see "Signing into Online Banking for Business" on page After you sign in, you are prompted to create a new, permanent, password. The Password Reset page opens. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 9

10 ELECTRONIC FUNDS TRANSFER RESETTING A FORGOTTEN PASSWORD 6. Type your new password in both fields. 7. Click Continue. Your password has been changed. If you require SecurID to sign in, the SecurID Challenge page opens. For details, see "Authenticating with a SecurID Token in EFT" on page 18. Otherwise, your Home page opens. Note: You cannot exceed three unsuccessful attempts to reset your own password in a single day. If this happens, please ask your administrator to reset your password. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 10

11 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER Setting up a SecurID token on your computer requires the following main steps: 1. Download the RSA SecurID software from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page Install the RSA SecurID software on your computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page Import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 14. Once you have completed this setup, you need to set up a new PIN. For details, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19. After you have set up a new PIN, you authenticate with SecurID as required, using your PIN. For details, see "Authenticating with a SecurID Token in EFT" on page 18. Requirements RSA SecurID tokens are supported on the following operating systems: Microsoft Windows 2000 Professional (SP4 and later) Microsoft Windows XP Professional (SP2) Microsoft Windows Vista Business and Enterprise (32-bit only) Ensure that you have administrator privileges on your computer. Administrator privileges are required to install SecurID tokens. Note: If RSA SecurID Token 4.0 or 4.1 for Microsoft Windows is currently installed on your computer, then skip this procedure and follow the instructions to import a software token. For details, see "Importing a Software Token for Your Computer" on page 14. DOWNLOADING THE RSA SECURID SOFTWARE FOR YOUR COMPUTER Before you download the RSA SecurID software from the RSA website, make sure you have reviewed the requirements. For details, see "Setting Up a SecurID Soft Token on Your Computer" on page Open the page for the RSA SecurID Software Token for Microsoft Windows software on the RSA website: Note: The RSA website is external to BMO and is managed by RSA. 2. Follow instructions on the RSA website to download RSA SecurID Software Token for Microsoft Windows to support 128-bit (AES). Next, you need to install the software on this computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page 11. INSTALLING THE RSA SECURID SOFTWARE ON YOUR COMPUTER Before you can install the RSA SecurID software on your computer, you must download it from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page 11. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 11

12 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 11. Note: Detailed RSA documentation is included in the doc folder of the zip file you downloaded. 1. On your computer, unzip the file you downloaded from the RSA website. 2. Browse to the folder that contains the unzipped installation file, for example, RSASecurIDTokenXXX.msi, and double-click this file. The Install Wizard opens. 2. Click Next to begin the installation. 3. Click the appropriate radio button to select country where you ordered the software, and click Next. 4. Click the appropriate radio button to accept the license agreement, and click Next. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 12

13 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER 5. Select the Typical setup type, choose Typical, and click Next. 6. In the Ready to install the Program dialog box, click Install. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 13

14 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER 7. After the installation completes, click Finish. The RSA SecurID Token program is now installed, and RSA SecurID Token is displayed in the Start menu. Next, you need to import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 14. IMPORTING A SOFTWARE TOKEN FOR YOUR COMPUTER Before you can import a software token for your computer, you must install the SecurID software. For details, see "Installing the RSA SecurID Software on Your Computer" on page 11. For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 11. Before you begin: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 14

15 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER Acquire the file with the.sdtid extension from BMO Security Services. Acquire the Database Distribution Password for each token from BMO Security Services. You can import a software token either from an attachment or from a file saved on your computer. Importing a software token 1. If you are importing a software token from an attachment: a. Double-click the file attachment, for example token1.sdtid. b. When prompted to open or save the attachment, click Open. 2. If you are importing a software token from a file saved on your computer, click Start > Programs > RSA SecurID Token to start the RSA SecurID Token program. This program automatically detects token files that you saved either to Desktop or My Documents and imports them. 3. If prompted, enter the file password and click OK. 4. If prompted to select a device where the token will be stored, click the name of the device, for example, Local Hard drive (RSA). If the word "Enabled" is not displayed next to the device name, click the Enable button to activate the device. Click OK. A success message is displayed, and you are prompted to rename your token. 5. If you want to change the token name: a. Click Change Name. The Change Token Name screen opens. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 15

16 ELECTRONIC FUNDS TRANSFER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER b. Enter a name of between 1 and 24 characters, and click OK. 6. If you do not want to change the name, click OK to close the dialog box. Next, you can set up a PIN for your SecurID token. You can do this the first time you authenticate with SecurID. For details, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 16

17 ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER When you authenticate with a SecurID token, you authenticate your identity to the system. SecurID authentication is required when using certain features of the Electronic Funds Transfer service, as indicated below. When you authenticate with SecurID, you may be required to complete the following tasks: "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19 "Authenticating with a SecurID Token in EFT" on page 18 When working with service agreements For descriptions of the Client Release and Fixed Frequency payment options, see "Working with Service Agreements" on page 28. Preparing payments only for service agreements with the Fixed Frequency payment option Feature entering payment groups entering payments changing payment amounts moving payments between payment groups verifying payments and payment groups Is SecurID authentication required? only if verifying payments is not required for the service agreement always Releasing payment files only for service agreements with the Client Released payment option Feature releasing payment files Is SecurID authentication required? always Confirming payment files only when creating your payment file outside this service and submitting it for processing from another service: Feature confirming payment files Is SecurID authentication required? always Corrections Feature entering correction requests verifying correction requests Is SecurID authentication required? only if verifying correction requests is not required for the service agreement always Resubmissions Feature entering resubmission requests verifying resubmission requests Is SecurID authentication required? only if verifying resubmission requests is not required for the service agreement always When working with transits Feature entering return requests verifying return requests Is SecurID authentication required? only if verifying return requests is not required for the transit always ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 17

18 ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER AUTHENTICATING WITH A SECURID TOKEN IN EFT How do I get here? The SecurID User Authentication page opens when you are required to authenticate with a SecurID token while working in this service. What can I do here? Use this page to authenticate with your SecurID token when working in this service. For a list of features that require SecurID authentication, see "SecurID Authentication Requirements in Electronic Funds Transfer" on page 17. Note: You must use the SecurID token assigned to the SecurID user ID specified in your user profile. If you do not have a PIN yet for your SecurID token, see the instructions in "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19. What does the field mean? Passcode For a hardware token, type your PIN followed immediately by the tokencode displayed on your token. This is called your passcode. For example, if your PIN is and your tokencode is , you type your passcode, which is: For a software token on your computer, select Start > Programs > RSA SecurID Token to start RSA SecurID Token. Type the eight-digit passcode displayed by the token. For example, if your passcode is , you type: Note: Your must enter your PIN in the software token before it displays the passcode. Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 18

19 ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER What do the buttons do? To authenticate with SecurID, click Continue. The bank authenticates your SecurID. A message indicates that your passcode was accepted. Your action on the previous page (before this page opened) is completed. To reopen the page that was open previously without completing the SecurID authentication, click Cancel. AUTHENTICATING WITH A SECURID TOKEN IN EFT WHEN SETTING UP A NEW PIN How do I get here? The Register New PIN page opens when you are required to authenticate with a SecurID token while working in this service and you have not registered a PIN for your SecurID token yet. What can I do here? Use this page to set up a new PIN for your SecurID token when working in this service. For a list of features that require SecurID authentication, see "SecurID Authentication Requirements in Electronic Funds Transfer" on page 17. This page opens when you need to authenticate with a SecurID token when working in this service, and your token does not have a PIN set up. You enter the tokencode into the Passcode field in the User Authentication page, as described below, and click Continue. Note: You must use the SecurID token assigned to the SecurID user ID specified in your user profile. Before you start software token 1. Select Start > Programs > RSA SecurID Token to start RSA SecurID Token. You are prompted to enter the PIN. 2. Click the arrow in the Options box. The token displays the eight-digit tokencode. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 19

20 ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER 3. Click the Copy button. This copies the tokencode to your Clipboard. 4. Return to the SecurID User Authentication page in Online Banking for Business, and paste the tokencode into the Passcode field. Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. The Register New PIN page opens, which is described below. Before you start hardware token For a hardware token, enter only the tokencode in the Passcode field of the SecurID User Authentication page. For example, if your token code is , you type: Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. The Register New PIN page opens, which is described below. What do the fields mean? New PIN Your new PIN. The PIN must be six characters long. Verify new PIN For a hardware token, the PIN can include letters and numbers. For a software token, the PIN can include only numbers. The first number cannot be zero (0). Re-type your new PIN. Tokencode The number displayed on your SecurID token, which changes every 60 seconds. If necessary, wait for the tokencode on your token to change before proceeding. For a hardware token, this is a six-digit number. For a software token when you are creating a new PIN, this is an eight-digit number. What do the buttons do? To save your new PIN, click Continue. The User Authentication page reopens, where you are prompted to sign in with SecurID, using your passcode instead of your tokencode. For details, see "Authenticating with a SecurID Token in EFT" on page 18. To reopen the User Authentication page without setting up a new PIN for your SecurID token, click Cancel. RETURNING SECURID HARDWARE TOKENS If you no longer require a SecurID hardware token, you can return it. Contact your company administrator, who can contact the bank relationship manager. Include instructions indicating the company name, customer ID, user name, user ID, and token serial number. Note: For software token users, simply uninstall the RSA application. Return the SecurID hardware token to the following address: BMO Financial Group ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 20

21 ELECTRONIC FUNDS TRANSFER SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER Information Security Operations 4100 Gordon Baker Road Toronto, ON M1W 3E8 Canada Attention: Security Analyst Note: Monthly token charges will continue until the hardware token is returned. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 21

22 ELECTRONIC FUNDS TRANSFER SEARCHING FOR ITEMS IN A LIST SEARCHING FOR ITEMS IN A LIST Online Banking for Business displays a search box for most list pages, so that you can filter the items displayed in a list. How do I use the Search box? Enter information in one or more fields (they are all optional) and click Search. All items that match the search criteria are displayed in the list below the search box. If you enter multiple search criteria, the results list displays only items that meet all search criteria. How can I search with wildcards? A wildcard is a character that may be substituted for any of a defined subset of all possible characters. The fields in search boxes have built-in wildcards at the beginning and the end of a string. This means that if you enter a group of characters, the system searches for all entries that contain that group of characters. Example: Suppose you enter "enter" in a search box when searching for an account name. The system retrieves all entries containing enter, such as Enterprise and Centerpoint. How can I search without wildcards? To search without wildcards, put double quotes around the search term. Example: Searching for "enter" retrieves only enter, not Enterprise or Centerpoint. In addition, any whitespace between the quotes is part of the search term. How many search results can I see? All search results are displayed. To view all the items, scroll down the page. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 22

23 ELECTRONIC FUNDS TRANSFER VERIFICATION STATUSES VERIFICATION STATUSES If your service agreement requires verification of payments, payment groups, correction requests, or resubmission requests, the record can have the following verification statuses: Status Complete Pending Rejected Description The record has received all required verifications. The record still requires verification by one or more users. Your company defines the number of required verifiers, to a maximum of three. This is part of the initial service-agreement or transit setup for this service. A user rejected this record while verifying it. Note: This information is available only if your service agreement requires verification of the record. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 23

24 ELECTRONIC FUNDS TRANSFER TRANSACTION-TYPE CODES TRANSACTION-TYPE CODES The following table lists the CPA (Canadian Payments Association) codes available in the Electronic Funds Transfer service. Note: Although the CPA may assign additional transaction types in the future, only the transaction types listed here are available in this service. Category Range Tran Type Description Future Use Unassigned Unassigned Clearing Items Reserved for MICR Debits Pre-Authorized Transactions Payroll Deposit 201 Special Payroll 202 Vacation Payroll 203 Overtime Payroll 204 Advance Payroll 205 Commission Payroll 206 Bonus Payroll 207 Adjustment Payroll Pension 231 Federal Pension 232 Provincial Pension 233 Private Pension Annuity Dividend 251 Common Dividend 252 Preferred Dividend Investment 261 Mutual Funds 271 RSP Contribution 272 Retirement Income Fund Interest ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 24

25 ELECTRONIC FUNDS TRANSFER TRANSACTION-TYPE CODES Category Range Tran Type Description For Federal Use Only (Institution Numbers 117 and 177) Federal Government 301 Agriculture Stabilization Payments 302 AgriInvest 308 Child Tax Credit 309 Goods and Service Tax 310 Canada Pension Plan 311 Old Age Security 312 War Veterans' Allowance 313 Canadian Pension Commission 314 Family Allowances 315 Public Services Superannuation 316 Canadian Forces Superannuation 317 Tax Refunds 318 Employment Insurance 320 Student Loan* 321 CSB Interest 322 External Affairs ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 25

26 ELECTRONIC FUNDS TRANSFER TRANSACTION-TYPE CODES Category Range Tran Type Description Pre-Authorized Transactions Insurance 331 Life Insurance 332 Auto Insurance 333 Property Insurance 334 Casualty Insurance 335 Mortgage Insurance 336 Health/Dental Claims Insurance Loans 351 Personal Loans 352 Dealer Plan Loans 353 Farm Improvement Loans 354 Home Improvement Loans 355 Term Loans 356 Insurance Loans Mortgage 371 Residential Mortgage 372 Commercial Mortgage 373 Farm Mortgage Taxes 381 Income Taxes 382 Sales Taxes 383 Corporate Taxes 384 School Taxes 385 Property Taxes 386 Water Taxes Rent/Leases 401 Residential Rent/Leases 402 Commercial Rent/Leases 403 Equipment Rent/Leases 404 Automobile Rent/Leases 405 Appliance Rent/Leases Cash Management Bill Payment 431 Telephone Bill Payment 432 Gasoline Bill Payment 433 Hydro Bill Payment 434 Cable Bill Payment 435 Fuel Bill Payment 436 Utility Bill Payment 437 Internet Access Payment ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 26

27 ELECTRONIC FUNDS TRANSFER TRANSACTION-TYPE CODES Category Range Tran Type Description Pre-Authorized Transactions Miscellaneous Payment 451 Customer Cheques 452 Expense Payment 460 Accounts Payable 470 Fees/Dues 480 Donations Provincial Government* 601 Family Support Plan 602 Housing Allowance 603 Income Security Benefits 604 Provincial Family Benefits* 605 Combined Fed-Prov Payment 606 Worker's Compensation Board 607 Employment Assistance Future Use Unassigned Internal Bank Use Inter-FI Funds Debit Unassigned 700 Business PAD Reserved Business PAD for Business Pre-Authorized Debits (PADs) 715 Commercial Equipment Rent/Lease Returned/Dishonoured Items Edit Reject 901 NSF (Debit Only) 902 Cannot Trace 903 Payment Stopped/Recalled 904 Post/Stale Dated 905 Account Closed 906 Account Transferred 907 No Chequing Privileges 908 Funds Not Cleared 910 Payee/Payor Deceased 911 Account Frozen 912 Invalid/Incorrect Account No. 914 Incorrect Payor/Payee Name 915 Refused by Payor/Payee 990 Institution in Default 998 No Agreement for Returns *Restricted Transaction Type ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 27

28 TRANSACTION-TYPE CODES WORKING WITH SERVICE AGREEMENTS When the bank does your setup for this service it creates service agreements. There are three types of service agreements (SAs), which define the types of debit and/or credit payment files you work with in this service: Client Released: The system processes the payment file only when you release it for processing. You control the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system. Fixed Frequency: This type of file is for fixed and recurring payments. The system maintains the delivery schedule for the payments that you have defined. The payments are manually entered on the bank system. Direct File Transmission: This type of service agreement enables you to create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service. You require multiple service agreements in the following scenarios: You want to segregate payment files to control access. You want to maintain both Client Released and Fixed Frequency payment files. Note: To add another service agreement, contact your bank sales manager. Once the new service agreement has been added, the primary customer administrator can enable users with appropriate entitlements to access it. Payments and payment files are organized by service agreement. If you have multiple service agreements, you must select the one to work with on the Select Service Agreement page. For details and instructions on opening this page, see "Selecting a Service Agreement" on page 30. For an overview of the menu and menu items, see "Navigation Quick Reference for Service Agreements" on page 34. When you work with service agreements, you use the following workflow to submit and track payments: Note: Mandatory steps are numbered, unless otherwise indicated. Optional steps are bulleted. In the Payments menu, you Add one or more payment groups (previously known as batches). For details, see "Adding a Payment Group" on page 37. You can also perform the following related tasks: View the payments in a payment group. For details, see "Viewing a Payment Summary" on page 47. Modify a payment group. For details, see "Modifying a Payment Group" on page 42. View payment group details. For details, see "Viewing a Payment Group" on page 39. Delete a payment group. For details, see "Deleting a Payment Group" on page Add payments to payment groups. For details, see "Adding a Payment" on page 51. You can also perform the following related tasks: Modify only the amount of a payment. For details, see "Changing a Payment Amount" on page 61. Modify a payment. For details, see "Modifying a Payment" on page 58. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 28

29 TRANSACTION-TYPE CODES Move a payment from one payment group to another. For details, see "Moving Payments Between Payment Groups" on page 69. View payment details. For details, see "Viewing a Payment" on page 54. Delete a payment. For details, see "Deleting a Payment" on page 63. Download payments. For details, see "Downloading Payments" on page Verify the payments and payment groups. For details, see "Verifying Payments and a Payment Group" on page 73. Note: Verifying payments is available and required only if it is specified in your company's service agreement. In the File Release menu, you Build a payment file. For details, see "Building a File" on page Authorize the payment file. For details, see "Authorizing a File" on page Release the payment file to the system for processing. For details, see "Releasing a File" on page 80. In the Post Delivery menu, you can... Correct a rejected payment. For details, see "Correction Requests" on page 83. Resubmit a returned payment. For details, see "Resubmission Requests" on page 97. Recall a submitted payment, payment group, or payment file. For details, see "Recall Requests" on page 113. If you create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service, you can confirm the file content before this service processes the file. For details, see "Confirming Files" on page 125. Note: Confirming payment files is available and required only if it is specified in your company's service agreement. In the Investigation menu, you can... View the status of payment files and payments that have been released to the system. For details, see "Viewing File Status" on page 134. Trace a released payment. For details, see "Tracing a Payment" on page 127. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 29

30 SELECTING A SERVICE AGREEMENT SELECTING A SERVICE AGREEMENT How do I get here? The Select Service Agreement page opens when: You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to more than one service agreement. You are already working in this service and you click the Change link next to the service agreement, if you are entitled to multiple service agreements. What can I do here? Use the Select Service Agreement page to select a service agreement for your work in this service. This updates the menu options available for the service agreement. What do the columns mean? Service agreement ID The identifier that the bank assigns to this service agreement. Service agreement name The legal name for the service agreement according to the funding agreement. Payment option The payment option for the service agreement. There are two payment options: Client Released: The system processes the payment file only when you release it for processing. You control the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system. Fixed Frequency: This type of file is for fixed and recurring payments. The system maintains the delivery schedule for the payments that you have defined. The payments are manually entered on the bank system. Note: The payment option is blank if your service agreement type is Direct File Transmission. This enables you to create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 30

31 SELECTING A SERVICE AGREEMENT What do the link and buttons do? To work with a transit instead of a service agreement, click Select Transit. If you are entitled to a single transit, the Transit page opens. For details, see "Viewing your Transit" on page 142. If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to at least one transit. To select a service agreement to work with, select it from the list and click OK. The Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 31

32 VIEWING YOUR SERVICE AGREEMENT VIEWING YOUR SERVICE AGREEMENT How do I get here? The Service Agreement page opens when: You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to one service agreement. You select a service agreement on the Select Service Agreement page and click OK. What can I do here? The Service Agreement page displays information about the service agreement for your work in this service. What do the columns mean? Service agreement ID The identifier that the bank assigns to this service agreement. Service agreement name The legal name for the service agreement according to the funding agreement. Payment option The payment option for the service agreement. There are two payment options: Client Released: The system processes the payment file only when you release it for processing. You control the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system. Fixed Frequency: This type of file is for fixed and recurring payments. The system maintains the delivery schedule for the payments that you have defined. The payments are manually entered on the bank system. Note: The payment option is blank if your service agreement type is Direct File Transmission. This enables you to create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service. What do the link and button do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 32

33 VIEWING YOUR SERVICE AGREEMENT To work with a transit instead of a service agreement, click Select Transit. If you are entitled to a single transit, the Transit page opens. For details, see "Viewing your Transit" on page 142. If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to at least one transit. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 33

34 NAVIGATION QUICK REFERENCE FOR SERVICE AGREEMENTS NAVIGATION QUICK REFERENCE FOR SERVICE AGREEMENTS This section describes the menus, sub-menus, and menu items that are available when working with service agreements. For information about service agreements, see "Working with Service Agreements" on page 28. The menus, sub-menus, and menu items described below are available only if both: The feature is specified for this service agreement. You are entitled to the feature for this service agreement. Payments menu Use this menu to manage payments and payment groups (formerly known as batches). It has the following options: Add/Maintain: Opens the Manage Payment Groups page, where you can add, modify, view, or delete a payment group, or view the payments in a payment group. For details, see "Managing Payment Groups" on page 36. You can also add payments to payment groups, modify, view or delete payments. For details, see "Managing Payments" on page 49. Download: Opens the Download Payments page, where you can download payments. For details, see "Downloading Payments" on page 67. Move: Opens the Move Payment Select Payment Groups page, where you can move payments between payment groups. For details, see "Moving Payments Between Payment Groups" on page 69. Verify: Opens the Verify Select Payment Group page, where you can view payments and payment groups pending verification, and verify payments and payment groups. For details, see "Selecting a Payment Group to Verify" on page 72. Note: Verifying payments is available and required only if it is specified in your company's service agreement. Release Payments menu Use this menu to build, authorize, and release payment files. It has the following options: Build: Opens the Build File page, where you specify which payment groups to include in the payment file you build, and to assign value dates to those payment groups. For details, see "Building a File" on page 76. Authorize: Opens the Authorize File page, where you authorize a payment file for release. For details, see "Authorizing a File" on page 78. Release File: Opens the Release File page, where you release a payment file for processing. For details, see "Releasing a File" on page 80. Post Delivery menu Use this menu to perform post-delivery tasks, such as correcting rejected payments, resubmitting returned payments, and recalling submitted payments, payment groups, and payment files. It has the following sub-menus and options: Correct sub-menu: Use this to correct rejected payments and manage correction requests. Manage: Opens the Manage Correction Requests page, which displays rejected payments. Use this page to create, view, and delete corresponding correction requests. For details, see "Managing Correction Requests" on page 84. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 34

35 NAVIGATION QUICK REFERENCE FOR SERVICE AGREEMENTS Request List: Opens the Correction Request List page, which displays correction requests that have not been processed yet. For details, see "Viewing Submitted Correction Requests" on page 89. Resubmit sub-menu: Use this to resubmit returned payments and manage resubmission requests. Manage: Opens the Manage Resubmission Requests page, which displays returned payments. Use this page to create, view, and delete corresponding resubmission requests. For details, see "Managing Resubmission Requests" on page 99. Request List: Opens the Resubmission Request List page, which displays resubmission requests that have not been processed yet. For details, see "Viewing Submitted Resubmission Requests" on page 104. Recall sub-menu: Use this to recall payments, payment groups, and payment files, and manage recall requests. Payments: Opens the Recall Payment Search page, where you can select a payment to recall. For details, see "Selecting a Payment to Recall" on page 114. Payment Groups: Opens the Recall Payment Group page, where you can create a request to recall a payment group. Files: Opens the Recall Files page, where you can create a request to recall a payment file. For details, see "Recalling a File" on page 121. Request List: Opens the Recall Request List page, which displays all requests that have not been processed yet. For details, see "Viewing Submitted Recall Requests" on page 123. Verify sub-menu: Use this to verify correction requests and resubmission requests, which submits them for processing. Corrections: Opens the Verify Correction Requests page, where you can view correction requests pending verification and verify correction requests. For details, see "Verifying Correction Requests" on page 95. Note: Verifying correction requests is available and required only if it is specified in your company's service agreement. Resubmissions: Opens the Verify Resubmission Requests page, where you can view resubmission requests pending verification and verify resubmission requests. For details, see "Verifying Resubmission Requests" on page 111. Note: Verifying resubmission requests is available and required only if it is specified in your company's service agreement. Confirm File: Opens the Confirm File page, where you confirm the content of payment files created with your own software and submitted for processing from another service, such as uploading them from the FTF (File Transfer Facility) service. For details, see "Confirming Files" on page 125. Note: Confirming payment files is available and required only if it is specified in your company's service agreement. Investigation menu Use this to investigate processed payments and files. It has the following options: Trace: Opens the Trace Payment page, you can trace a released payment. For details, see "Tracing a Payment" on page 127. File Status: Opens the File Status page, where you can view the status of payment files and payments that have been released to the system. For details, see "Viewing File Status" on page 134. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 35

36 MANAGING PAYMENT GROUPS MANAGING PAYMENT GROUPS Note: In the previous version of the Electronic Funds Transfer service, "payment group" was "batch". How do I get here? The Manage Payment Groups page opens when you select Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu. What can I do here? This page displays all the payment groups for the service agreement specified near the top of this page. Use this page to add, modify, delete or view a payment group, or to view the payments in a payment group, and to add payments to and manage payments in a payment group. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To add a new payment group to this service agreement, click Add Payment Group. For details, see "Adding a Payment Group" on page 37. To delete a payment group, select it and click Delete. For details, see "Deleting a Payment Group" on page 45. To modify a payment group, select it and click Modify. For details, see "Modifying a Payment Group" on page 42. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 36

37 MANAGING PAYMENT GROUPS Note: You cannot modify a payment group that has been included in a built payment file. To modify a payment group in these circumstances, first remove it from the built file on the Build File page. For details, see "Building a File" on page 76. To view information about a payment group, select it and click View. For details, see "Viewing a Payment Group" on page 39. To add, modify, view or delete payments in a payment group, select it and click Payment List. For details, see "Managing Payments" on page 49. ADDING A PAYMENT GROUP How do I get here? The Add Payment Group page opens when you click Add Payment Group on the Manage Payment Groups page. For details, see "Managing Payment Groups" on page 36. What can I do here? Use this page to add a payment group to the specified service agreement. Note: There are three steps to adding a payment group. The progress indicator indicates the steps at the top of the page. The current step is displayed in blue; the other steps are displayed in grey. What do the fields mean? Note: The fields are editable only on the Step 1 Enter Details version of this page. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 37

38 MANAGING PAYMENT GROUPS Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group A unique, five-character alphanumeric ID for the payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. This link is not available on the Step 1 Enter Details version of this page. Description A description of the payment group. Transaction type A CPA (Canadian Payments Association) transaction type for the payment group. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Record type The record type for the payment group. This is either Credit or Debit. Return bank branch account The bank, branch (transit) and account information for the payment group, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. This information applies to all payments within in the payment group. Optional Fields All the fields in this section are optional. Any information specified here applies to all payments in this payment group. Long name The long name for all payments in this payment group. Usually this is your company's name. The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Short name The short name for all payments in this payment group. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Cross-reference If applicable, the cross reference for all payments in this payment group. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. Amount The dollar amount for all payments in this payment group. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Offset bank branch account The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 38

39 MANAGING PAYMENT GROUPS this payment group is client released. For a description of client released, see "Working with Service Agreements" on page 28. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. Not available on the Step 1 Enter Details version of this page. To verify the information you entered and proceed to the next step, click Review Payment Group. Available only on the Step 1 Enter Details version of this page. To correct any errors and return to the first step, click Previous. Available only on the Step 2 Review Details version of this page. To complete adding this payment group and proceed to the final step, click Finish. Available only on the Step 2 Review Details version of this page. To reopen the Step 1 Enter Details version of this page so that you can add another payment group, click Add Another Payment Group. Available only on the Step 3 Complete version of this page. To close this page without saving your changes and return to the Manage Payment Groups page, click Cancel. Available only on the Step 1 Enter Details and Step 2 Review Details versions of this page. VIEWING A PAYMENT GROUP How do I get here? The View Payment Group page opens when: You select a payment group on the Manage Payment Groups page and click View. For details, see "Managing Payment Groups" on page 36. You click the Details button for a payment group on the Verify Payments and Payment Group page. For details, see "Verifying Payments and a Payment Group" on page 73. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 39

40 MANAGING PAYMENT GROUPS What can I do here? Use the View Payment Group page to view information about a payment group. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Description A description of the payment group. Transaction type A CPA (Canadian Payments Association) transaction type for the payment group. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 40

41 MANAGING PAYMENT GROUPS Record type The record type for the payment group. This is either Credit or Debit. Return bank branch account The bank, branch (transit) and account information for the payment group, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. This information applies to all payments within in the payment group. Optional Fields All the fields in this section are optional. Any information specified here applies to all payments in this payment group. Long name The long name for all payments in this payment group. Usually this is your company's name. The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Short name The short name for all payments in this payment group. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Cross-reference If applicable, the cross reference for all payments in this payment group. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. Amount The dollar amount for all payments in this payment group. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Offset bank branch account The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for this payment group is client released. For a description of client released, see "Working with Service Agreements" on page 28. Status The status of the payment group. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this payment group, and the date and time when it was added. Verified by The user IDs of the users who verified this payment group. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 41

42 MANAGING PAYMENT GROUPS agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To view the payments in this payment group, click Payment Summary. For details, see "Viewing a Payment Summary" on page 47. To return to the Manage Payment Groups page, click Cancel. MODIFYING A PAYMENT GROUP How do I get here? The Modify Payment Group page opens when you select a payment group on the Manage Payment Groups page and click Modify. For details, see "Managing Payment Groups" on page 36. What can I do here? Use this page to modify a payment group. Note: You cannot modify a payment group that has been included in a built payment file. To modify a payment group in these circumstances, first remove it from the built file on the Build File page. For details, see "Building a File" on page 76. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 42

43 MANAGING PAYMENT GROUPS What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Description A description of the payment group. Transaction type A CPA (Canadian Payments Association) transaction type for the payment group. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Record type The record type for the payment group. This is either Credit or Debit. Return bank branch account The bank, branch (transit) and account information for the payment group, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. This information applies to all payments within in the payment group. Optional Fields All the fields in this section are optional. Any information specified here applies to all payments in this payment group. Long name The long name for all payments in this payment group. Usually this is your company's name. The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Short name The short name for all payments in this payment group. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Cross-reference If applicable, the cross reference for all payments in this payment group. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 43

44 MANAGING PAYMENT GROUPS Amount The dollar amount for all payments in this payment group. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Offset bank branch account The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for this payment group is client released. For a description of client released, see "Working with Service Agreements" on page 28. Status The status of the payment group. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this payment group, and the date and time when it was added. Verified by The user IDs of the users who verified this payment group. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To save your changes to this payment group, click Finish. When the Manage Payment Groups page reopens, a message at the top of the page states that your update was successful. To close this page without saving your changes to this payment group and return to the Manage Payment Groups page, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 44

45 MANAGING PAYMENT GROUPS DELETING A PAYMENT GROUP How do I get here? The Delete Payment Group page opens when you select a payment group on the Manage Payment Groups page and click Delete. For details, see "Managing Payment Groups" on page 36. What can I do here? Use this page to delete a payment group. Note: Deleting a payment group deletes all payments in the group. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 45

46 MANAGING PAYMENT GROUPS Description A description of the payment group. Transaction type A CPA (Canadian Payments Association) transaction type for the payment group. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Record type The record type for the payment group. This is either Credit or Debit. Return bank branch account The bank, branch (transit) and account information for the payment group, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. This information applies to all payments within in the payment group. Optional Fields All the fields in this section are optional. Any information specified here applies to all payments in this payment group. Long name The long name for all payments in this payment group. Usually this is your company's name. The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Short name The short name for all payments in this payment group. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Cross-reference If applicable, the cross reference for all payments in this payment group. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. Amount The dollar amount for all payments in this payment group. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Offset bank branch account The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for this payment group is client released. For a description of client released, see "Working with Service Agreements" on page 28. Status The status of the payment group. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this payment group, and the date and time when it was added. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 46

47 MANAGING PAYMENT GROUPS Verified by The user IDs of the users who verified this payment group. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To delete this payment group, click Delete. A message box confirms that you want to delete this payment group. To delete it, click OK. To close this page without deleting this payment group and return to the Manage Payment Groups page, click Cancel. VIEWING A PAYMENT SUMMARY How do I get here? The Payment Summary page opens when: You select a payment group on the Manage Payment Groups page and click View. For details, see "Managing Payment Groups" on page 36. You access that page by selecting Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu. You click Payment Summary on the View Payment Group page. For details, see "Viewing a Payment Group" on page 39. What can I do here? Use the Payment Summary page to view a summary of payments in a payment group. You can also select a payment type to see more information about these payments. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 47

48 MANAGING PAYMENT GROUPS What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. What do the columns mean? Grouped By The payment summary is organized by the following payment types: Releasable payments: The payments available for release. Payments on hold: The payments that someone in your company placed on hold. These payments are not available for release. Payments not verified:the payments that require verification before they are available for release. This is relevant only if verifying payments is supported and required for this service agreement. Rejected payments: The payments that have been rejected by the system or another financial institution. Payment group total: The total number of all payments in the payment group and the total dollar value of these payments. Note: You cannot select the Payment group total row, because it is a summary of all payment types. You also cannot select a payment type without any payments. Number Amount The number of payments in a payment category. The total dollar amount of the payments in a payment category. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To return to the previous page, click Previous. To view the list of payments for one of the categories, select it and click Next. For details, see "Managing Payments" on page 49. Available only when a payment type is selected in the table above. Note: You cannot add, modify or delete payments when you access them this way. To add, modify or delete payments, click the Payment List button on the Manage Payment Groups page. For details, see "Managing Payment Groups" on page 36. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 48

49 MANAGING PAYMENTS MANAGING PAYMENTS How do I get here? The Manage Payments page opens when: You select a payment group and click the Payment List button on the Manage Payment Groups page. For details, see "Managing Payment Groups" on page 36. You access that page by selecting Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu. Note: You must access this page this way if you want to add, modify or delete payments. You select a group of payments on the Payment Summary page and click Next. For details, see "Viewing a Payment Summary" on page 47. You click a link in a Number column on the Build File, Authorize File, or Release File page. For details, see "Building a File" on page 76, "Authorizing a File" on page 78, or "Releasing a File" on page 80. You access those pages by selecting Payments & Receivables > Electronic Funds Transfer > Release Payments from the menu. What can I do here? The Manage Payments page displays all the payments for the service agreement and payment group specified near the top of this page. If you opened this page from the Manage Payment Groups page, this displays all the payments in the selected payment group. If you opened this page from the Payment Summary page, this displays only the payments relevant to your selection on that page. If you opened this page from another page, this displays only the payments relevant to the link you clicked. By default, a maximum of ten payments are displayed. To view additional payments, click the arrow buttons at the bottom of the list. You can also use the Search button to filter the payments displayed in the list by payee or payor. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 49

50 MANAGING PAYMENTS Note: For information on verifying payments, see "Selecting a Payment Group to Verify" on page 72. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payee/Payor name The recipient of the debit or credit payment. Enter the partial or complete name and click Search. What do the columns mean? Payee/Payor Name Amount The recipient of the debit or credit payment. The dollar amount of the payment. Bank Branch Account The bank, branch (transit), and account numbers for the payment. Cross-Reference The cross-reference for this payment. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To search for payments in the specified service agreement and payment group, enter the full or partial payee or payor name in the Payee/Payor Name field and click Search. To add a new payment, click Add New Payment. For details, see "Adding a Payment" on page 51. Available only when this page is opened from the Manage Payment Groups page. To delete a payment, select it and click Delete. For details, see "Deleting a Payment" on page 63. Available only when this page is opened from the Manage Payment Groups page. To modify a payment, select it and click Modify. For details, see "Modifying a Payment" on page 58. Available only when this page is opened from the Manage Payment Groups page. Note: You cannot modify a payment that has been included in a built payment file. To modify a payment in these circumstances, first remove the corresponding payment group from the built file on the Build File page. For details, see "Building a File" on page 76. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 50

51 MANAGING PAYMENTS To change only the payment amount for one or more payments on this page, click Quick Amount Change. For details, see "Changing a Payment Amount" on page 61. Available only when this page is opened from the Manage Payment Groups page. To view a payment, select it and click View. For details, see "Viewing a Payment" on page 54. To view additional payments that meet the search criteria, click the arrow buttons forth. to scroll back and To return to the previous page, click Previous. Available only when this page is opened from the Payment Summary page or the Build File page. ADDING A PAYMENT How do I get here? The Add Payment page opens when you click Add Payment on the Manage Payments page. For details, see "Managing Payments" on page 49. To access that page you: 1. Select Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu to open the Manage Payment Groups page. 2. Select a payment group and click Payment List. What can I do here? Use the Add Payment page to add a payment to the specified service agreement and payment group. For a client-released service agreement, the page is displayed as follows: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 51

52 MANAGING PAYMENTS For a fixed-frequency service agreement, the page is displayed as follows: Note: There are three steps to adding a payment. The progress indicator indicates the steps at the top of the page. The current step is displayed in blue; the other steps are displayed in grey. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. This link is not available on the Step 1 Enter Details version of this page. Note: The fields are editable only on the Step 1 Enter Details version of this page. Payee/payor name The recipient of the debit or credit payment. Maximum length is 30 alphanumeric characters. Tip: Payments are sorted alphabetically by the first value in this field. If the payee or payor is a person, enter the last name before the first name, for example, enter John Smith as Smith, John. Note: If any of the following values are specified in the payment group, then the corresponding fields are read only. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 52

53 MANAGING PAYMENTS Amount The dollar amount of this payment. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. File Delivery Information The following fields are displayed only if the service agreement for this payment is fixed frequency. For a description of fixed frequency, see "Working with Service Agreements" on page 28. To expand this section, click the Expand button on the title bar. First Due Date The first due date for this payment to be credited or debited to the recipient's account. Either click the Calendar icon to select a date, or type the date in YYYY-MM-DD format. Terminate Date The end date for this payment to stop being delivered to the recipient. If this field is left blank, the payment continues until a date is entered or the payment is deleted. Either click the Calendar icon to select a date, or type the date in YYYY-MM-DD format. Frequency A frequency for this payment from the drop-down list. This is one of the following: one-time payment weekly biweekly semi monthly (1st and 16th days only) monthly quarterly month end quarterly month end Temporary Stop from Date The start date for temporarily suspending the payment. This is useful for maternity leave or an unpaid leave of absence. If a date is not specified in the Temporary Stop to Date field below, the payment is placed on hold ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 53

54 MANAGING PAYMENTS indefinitely. Either click the Calendar icon Temporary Stop to Date to select a date, or type the date in YYYY-MM-DD format. The end date for temporarily suspending the payment. If you enter a date in the Temporary Stop from Date field above and leave this field blank, the payment is placed on hold indefinitely. Either click the Calendar icon to select a date, or type the date in YYYY-MM-DD format. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. Not available on the Step 1 Enter Details version of this page. To expand the File Delivery Information section, click the Expand button displayed only if the service agreement for this payment is fixed frequency. on the title bar. This section is To collapse this section if it is expanded, click the Collapse button only if the service agreement for this payment is fixed frequency. on the title bar. This section is displayed To verify the information you entered and proceed to the next step, click Review Payment. Available only on the Step 1 Enter Details version of this page. To correct any errors and return to the first step, click Previous. Available only on the Step 2 Review Details version of this page. To complete adding this payment and proceed to the final step, click Finish. Available only on the Step 2 Review Details version of this page. To reopen the Step 1 Enter Details version of this page so that you can add another payment group, click Add Another Payment. Available only on the Step 3 Complete version of this page. To close this page without saving your changes and return to the Manage Payments page, click Cancel. Available only on the Step 1 Enter Details and Step 2 Review Details versions of this page. VIEWING A PAYMENT How do I get here? The View Payment page opens when: You select a payment on the Manage Payments page and click View. For details, see "Managing Payments" on page 49. You click the Details link for a payment on the Verify Payments and Payment Group page. For details, see "Verifying Payments and a Payment Group" on page 73. What can I do here? Use the View Payment page to view information about a payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 54

55 MANAGING PAYMENTS For a client-released service agreement, the page is displayed as follows: For a fixed-frequency service agreement, the page is displayed as follows: What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 55

56 MANAGING PAYMENTS Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payee/payor name Amount The recipient of the debit or credit payment. The dollar amount of this payment. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference On hold If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Indicates whether this payment is on hold, so that it will not be submitted for processing. Relevant only for client-released service agreements. No: Payment is not on hold. It will be submitted for processing. Yes: Payment is on hold. It will not be submitted for processing. File Delivery Information The following fields are displayed only if the service agreement for this payment is fixed frequency. For a description of fixed frequency, see "Working with Service Agreements" on page 28. To expand this section, click the Expand button on the title bar. First Due Date The first due date for this payment to be credited or debited to the recipient's account. Terminate Date The end date for this payment to stop being delivered to the recipient. If this field is left blank, the payment continues until a date is entered or the payment is deleted. Frequency A frequency for this payment. This is one of the following: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 56

57 MANAGING PAYMENTS one-time payment weekly biweekly semi monthly (1st and 16th days only) monthly quarterly month end quarterly month end Temporary Stop from Date The start date for temporarily suspending the payment Temporary Stop to Date The end date for temporarily suspending the payment. Status The status of the payment. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To expand the File Delivery Information section, click the Expand button displayed only if the service agreement for this payment is fixed frequency. on the title bar. This section is To collapse the File Delivery Information section if it is expanded, click the Collapse button This section is displayed only if the service agreement for this payment is fixed frequency. on the title bar. To delete this payment, click Delete. A message box confirms that you want to delete this payment. To delete it, click OK. Available only when this page is opened from the Manage Payments page. To modify this payment, click Modify. Available only when this page is opened from the Manage Payment Groups page. For details, see "Modifying a Payment" on page 58. To return to the Manage Payments page, click Cancel. Available only when this page is opened from the Manage Payments page. To return to the Verify Payments and Payment Group page or the Payments Rejected by EFT page, click Previous. Available only when this page is opened from one of these pages. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 57

58 MANAGING PAYMENTS MODIFYING A PAYMENT How do I get here? The Modify Payment page opens when: You select a payment on the Manage Payments page and click Modify. For details, see "Managing Payments" on page 49. To access that page you: 1. Select Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu to open the Manage Payment Groups page. 2. Select a payment group and click Payment List. You click Modify on the View Payment page. For details, see "Viewing a Payment" on page 54. What can I do here? Use the Modify Payment page to modify a payment. For a client-released service agreement, the page is displayed as follows: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 58

59 MANAGING PAYMENTS For a fixed-frequency service agreement, the page is displayed as follows: Note: You cannot modify a payment that has been included in a built payment file. To modify a payment in these circumstances, you can put the payment on hold, as described below. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payee/payor name The recipient of the debit or credit payment. Note: If any of the values below are specified in the payment group, then the corresponding fields are read only. Amount The dollar amount of this payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 59

60 MANAGING PAYMENTS Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference On hold If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. To place this payment on hold, so that it will not be submitted for processing, select Yes from the list. Available only on the Modify Payment page. Relevant only for client-released service agreements. File Delivery Information The following fields are displayed only if the service agreement for this payment is fixed frequency. For a description of fixed frequency, see "Working with Service Agreements" on page 28. To expand this section, click the Expand button on the title bar. First Due Date The first due date for this payment to be credited or debited to the recipient's account. Terminate Date The end date for this payment to stop being delivered to the recipient. If this field is left blank, the payment continues until a date is entered or the payment is deleted. Frequency A frequency for this payment. This is one of the following: one-time payment weekly biweekly semi monthly (1st and 16th days only) monthly quarterly month end quarterly month end Temporary Stop from Date The start date for temporarily suspending the payment Temporary Stop to Date The end date for temporarily suspending the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 60

61 MANAGING PAYMENTS Status The status of the payment. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To expand the File Delivery Information section, click the Expand button displayed only if the service agreement for this payment is fixed frequency. on the title bar. This section is To collapse this section if it is expanded, click the Collapse button only if the service agreement for this payment is fixed frequency. on the title bar. This section is displayed To save your changes to this payment, click Finish. When the Manage Payments page reopens, a message at the top of the page states that your update was successful. To close this page without saving your changes to this payment and return to the Manage Payments page, click Cancel. CHANGING A PAYMENT AMOUNT How do I get here? The Quick Amount Change page opens when you click Quick Amount Change on the Manage Payments page. For details, see "Managing Payments" on page 49. To access that page you: 1. Select Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu to open the Manage Payment Groups page. 2. Select a payment group and click Payment List. What can I do here? Use the Quick Amount Change page to change the amounts of one or more payments. You can also use the Search button to filter the payments displayed in the list by payee or payor. This page displays up to ten payments at a time. Important: Click Finish to save your changes before clicking the arrow buttons to view additional payments. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 61

62 MANAGING PAYMENTS What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The payment group for these payments. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Payee/Payor name The recipient of a debit or credit payment. Enter the partial or complete name and click Search. What do the columns mean? Payee/Payor Name Amount The recipient of a debit or credit payment. The dollar amount for a payment. New Amount Enter the new dollar amount for a payment. If you do not enter a decimal point, zero cents is assumed. Maximum length is 12 digits, with or without a decimal point. Bank/Branch/Account The bank, branch and account information for the payment. Cross-Reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 62

63 MANAGING PAYMENTS What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To search for payments in the specified service agreement and payment group, enter the full or partial payee or payor name in the Payee/Payor Name field and click Search. To view additional payments you can change, click the arrow buttons bottom of the list. to scroll back and forth at the Note: Before using the arrow buttons to view additional payments, click Finish to save any changes that are currently displayed. To close this page without saving your changes to these payments and return to the Manage Payments page, click Previous To save your changes to these payments, click Finish. This page refreshes, and a message at the top of the page states that your update was successful. Note: Clicking Finish only saves the changes to payments that are currently displayed. It does not save changes made before clicking an arrow button. DELETING A PAYMENT How do I get here? The Delete Payment page opens when: You select a payment on the Manage Payments page and click Delete. For details, see "Managing Payments" on page 49. To access that page you: 1. Select Payments & Receivables > Electronic Funds Transfer > Payments > Add/Maintain from the menu to open the Manage Payment Groups page. 2. Select a payment group and click Payment List. You click Delete on the View Payment page. For details, see "Viewing a Payment" on page 54. What can I do here? Use the Delete Payment page to delete a payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 63

64 MANAGING PAYMENTS For a client-released service agreement, the page is displayed as follows: For a fixed-frequency service agreement, the page is displayed as follows: What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 64

65 MANAGING PAYMENTS Payee/payor name Amount The recipient of the debit or credit payment. The dollar amount of this payment. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference On hold If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Indicates whether this payment is on hold, so that it will not be submitted for processing. Relevant only for client-released service agreements. No: Payment is not on hold. It will be submitted for processing. Yes: Payment is on hold. It will not be submitted for processing. File Delivery Information The following fields are displayed only if the service agreement for this payment is fixed frequency. For a description of fixed frequency, see "Working with Service Agreements" on page 28. To expand this section, click the Expand button on the title bar. First Due Date The first due date for this payment to be credited or debited to the recipient's account. Terminate Date The end date for this payment to stop being delivered to the recipient. If this field is left blank, the payment continues until a date is entered or the payment is deleted. Frequency A frequency for this payment. This is one of the following: one-time payment weekly biweekly semi monthly (1st and 16th days only) monthly quarterly ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 65

66 MANAGING PAYMENTS month end quarterly month end Temporary Stop from Date The start date for temporarily suspending the payment Temporary Stop to Date The end date for temporarily suspending the payment. Status The status of the payment. For a list and description of these statuses, see "Verification Statuses" on page 23. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To expand the File Delivery Information section, click the Expand button displayed only if the service agreement for this payment is fixed frequency. on the title bar. This section is To collapse this section if it is expanded, click the Collapse button only if the service agreement for this payment is fixed frequency. on the title bar. This section is displayed To delete this payment, click Delete. A message box confirms that you want to delete this payment. To delete it, click OK. To close this page without deleting this payment and return to the Manage Payments page, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 66

67 MANAGING PAYMENTS DOWNLOADING PAYMENTS How do I get here? The Download Payments page opens when you select Payments & Receivables > Electronic Funds Transfer > Payments > Download from the menu. What can I do here? Use this page to download payments for one or more payment groups in either a comma-separated value (CSV) file or a formatted text file. Note: You can download only payments created with the Electronic Funds Transfer service. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? Select Select the payment groups for which to download payments. Tip: To download the payments for all payment groups in the current service agreement, click the Select All check box in the header to select all payment groups. Payment group The payment group for which you can download payments. Description The description of the payment group for which you can download payments. Number of payments The number of payments in a payment group. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 67

68 MANAGING PAYMENTS What do the buttons do? To download the payments in the selected payment files as a CSV (Comma Delimited, or comma-separated values) file, click CSV. Tip: This is useful for working with spreadsheet applications, such as Microsoft Excel. To download the payments in the selected payment files as a formatted text (Space Delimited) file, click Formatted Text. Tip: This is useful for working with word-processing applications, such as Microsoft Word. When prompted, browse to a location to save the downloaded file. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 68

69 MOVING PAYMENTS BETWEEN PAYMENT GROUPS MOVING PAYMENTS BETWEEN PAYMENT GROUPS How do I get here? The Move Payment Select Payment Groups page opens when you select Payments & Receivables > Electronic Funds Transfer > Payments > Move from the menu. What can I do here? Use this page to start moving one or more payments from one payment group to another. This process has two steps: 1. Selecting the payment groups from which and to which to move the payments. This step is described on this page. 2. Selecting which payments to move. This step is described on the next page. Note: You can move payments only between payment groups that are in the same service agreement. You cannot move payments between payment groups that are in different service agreements. What does the field mean? Service agreement The service agreement for these payment groups. To choose a different service agreement, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? Move From The payment group from which to move the payment. Note: You cannot move a payment from a payment group that has been included in a built payment file. To move a payment from a payment group in these circumstances, first remove the payment group from the built file on the Build File page. For details, see "Building a File" on page 76. Move To The payment group to which to move the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 69

70 MOVING PAYMENTS BETWEEN PAYMENT GROUPS Payment Group The identifier for the payment group. Description The description of the payment group. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To select which payments to move from one payment group to another, click Next. For details, see "Moving a Payment Selecting a Payment" on page 70. MOVING A PAYMENT SELECTING A PAYMENT How do I get here? The Move Payment Select Payment(s) page opens when you click Next on the Move Payment Select Payment Groups page. For details, see "Moving Payments Between Payment Groups" on page 69. What can I do here? Use this page to complete moving one or more payments from one payment group to another. This process has two steps: 1. Selecting the payment groups from which and to which to move the payments. This step is described on the previous page. 2. Selecting which payments to move. This step is described on this page. You can also use the Search button to filter the payments displayed in the list by payee or payor. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 70

71 MOVING PAYMENTS BETWEEN PAYMENT GROUPS What does the field mean? Service agreement The service agreement for these payment groups. To choose a different service agreement, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Move payments from/to The payments groups from which and to which to move the payments you select on this page. Payee/Payor name The recipient of a debit or credit payment. Enter the partial or complete name and click Search. The list below displays only the payments that match the search criteria. What do the columns mean? Select To select all the payments in the list, select the check box in the column heading. Payee/Payor Name Amount The recipient of the debit or credit payment. The dollar amount of the payment. Bank Branch Account The bank, branch (transit), and account numbers for the payment. Cross-Reference The cross-reference for this payment. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To search for payments in the specified service agreement and payment group, enter the full or partial payee or payor name in the Payee/Payor Name field and click Search. To complete moving the selected payments between the specified payment groups, click Finish. When the Move Payment Select Payment Groups page reopens, a message at the top of the page states that the move was successful. To close this page without moving any payments and return to the Move Payment Select Payment Groups page, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 71

72 SELECTING A PAYMENT GROUP TO VERIFY SELECTING A PAYMENT GROUP TO VERIFY How do I get here? The Verify Select Payment Group page opens when you select Payments & Receivables > Electronic Funds Transfer > Payments > Verify from the menu. What can I do here? Use this page to start verifying payments. This process has two steps: 1. Selecting the payment group in which to verify payments. This step is described on this page. 2. Verifying, rejecting, or skipping payments requiring verification. This step is described on the next page. You can only verify those records that do not exceed your Data Verification maximum amount limit, which is defined by your company's setup. You cannot verify records that you entered or modified. Note: Verifying payments is available and required only if it is specified in your company's service agreement. What does the field mean? Service agreement The service agreement for these payment groups. To choose a different service agreement, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? Payment Group The identifier for the payment group. Description The description of the payment group. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 72

73 SELECTING A PAYMENT GROUP TO VERIFY multiple service agreements. To select the payment group to verify, click Next. For details, see "Verifying Payments and a Payment Group" on page 73. VERIFYING PAYMENTS AND A PAYMENT GROUP How do I get here? The Verify Payments and Payment Group page opens when you select a payment group and click Next on the Verify Select Payment Group page. For details, see "Selecting a Payment Group to Verify" on page 72. What can I do here? Use this page to complete verifying payments and payment groups. This process has two steps: 1. Selecting the payment group in which to verify payments. This step is described on the previous page. 2. Verifying, rejecting, or skipping payments requiring verification. This step is described on this page. You can only verify those records that do not exceed your Data Verification maximum amount limit, which is defined by your company's setup. You cannot verify records that you entered or modified. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Payment group Display The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36. Specify which payments and payment groups to display in the list. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 73

74 SELECTING A PAYMENT GROUP TO VERIFY Only items I can verify: Displayed only if you are entitled to verify payments for this service agreement. If so, this is the default selection. Note: You cannot verify payments or payment groups that you entered or modified. All items pending verification: The list displays all payments and payment groups pending verification. If you are entitled to verify payments for this service agreement, you can view both items you can verify and items you entered or modified, which you cannot verify. The radio buttons are available only if you are entitled to verify payments. What do the columns mean? Accept Reject Skip Details To verify a payment or payment group and accept any changes, select this radio button. To refuse verification for a payment or payment group and reject any changes, select this radio button. To skip verification of this payment or payment group so that you can return to it later, select this radio button. To view additional information about this payment or payment group, if it is available, click the Details link. For a payment, the Payment Details page opens, For details, see "Viewing a Payment" on page 54. For a payment group, the Payment Group Details page opens. For details, see "Viewing a Payment Group" on page 39. Note: For a payment group, the name is displayed in the Payee/Payor Name column. All the other following columns are blank, unless specified for the payment group. Payee/payor name For a payment, this is the recipient of the debit or credit payment. For a payment group, the name of the payment group is displayed instead. Amount The dollar amount of this payment. If this is not specified for a payment group, this field is blank. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. If this is not specified for a payment group, this field is blank. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. If this is not specified for a payment group, this field is blank. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 74

75 SELECTING A PAYMENT GROUP TO VERIFY agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. To toggle between viewing only payments and payment groups you can verify (the default selection) and viewing all payments and payment groups pending verification, click your selection. Available only if you are entitled to verify payments for this service agreement. To view additional information about a payment or payment group in the table, click the corresponding Details link. For a payment, the Payment Details page opens, For details, see "Viewing a Payment" on page 54 For a payment group, the Payment Group Details page opens. For details, see "Viewing a Payment Group" on page 39. To save your verification information, click Verify. Available only if you are entitled to verify changes. This page refreshes. Messages about the numbers of verified and rejected payments and payment groups are displayed at the top of the page. To see additional details, click the corresponding link in the message. Skipped payments are still displayed on the refreshed page. To return to the Verify Select Payment Group page without saving your changes, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 75

76 RELEASING PAYMENTS RELEASING PAYMENTS After you create payments, and verify them (if verification is required), you use the options on the Release Payments menu to build, authorize, and release a payment file. Note: These steps are available and required only for Client Release service agreements, because Fixed Frequency payments are released automatically. Note: You can build, authorize, and release only one payment file at a time. You cannot build a new payment file until until the previous one has been authorized and released. 1. Build a payment file. You select the payment groups to include in the payment file and assign value dates to them. For details, see "Building a File" on page 76. Note: Once you include a payment group in a file you build on this page, you can no longer modify it. If you need to modify a payment group or any of its payments, you must remove it from the file first. 2. Authorize the payment file. You authorize the payment groups and value dates assigned to the payment file. For details, see "Authorizing a File" on page Release the payment file to the system for processing. For details, see "Releasing a File" on page 80. Note: This step requires SecurID authentication. You can release only those files that do not exceed the maximum dollar-amount limit defined by your company. BUILDING A FILE How do I get here? The Build File page opens when you select Payments & Receivables > Electronic Funds Transfer > Release Payments > Build from the menu. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 76

77 RELEASING PAYMENTS What can I do here? This page displays all payment groups that have been created in this service agreement. Use this page to specify which payment groups to include in the payment file, and to assign value dates to those payment groups. Note: You can build, authorize, and release only one payment file at a time. You cannot build a new payment file until the previous one has been authorized and released. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? Select To select all the payment groups in the list, select the check box in the column heading. Value Date Enter the day, month, and year of the value date for the payment group in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. Note: If your company has more then 100 payment groups, you must enter the value date manually in the following format: YYYY-MM-DD. Payment Group The identifier for the payment group. Description The description of the payment group. Releasable Payments Number Amount The number and dollar value of releasable payments in the payment group. To view these payments, click the link in the Number column. For details, see "Managing Payments" on page 49. Non-Releasable Payments Number Amount The number and dollar value of non-releasable payments in the payment group. Payments are non-releasable if they have not been verified (if verification is required), or put on hold, or rejected. To view these payments, click the link in the Number column. For details, see "Managing Payments" on page 49. Note: Only releasable payments are included in the built payment file. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view additional information about releasable or non-releasable payments in a payment group, click the corresponding link in a Number column. For details, see "Managing Payments" on page 49. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 77

78 RELEASING PAYMENTS To build the file with the releasable payments in the selected payment groups, click Next. This page refreshes. A message at the top of the page indicates that payment groups have been added to the file. The file is now ready for authorization. For details, see "Authorizing a File" on page 78. Note: Once you build a payment file, you cannot modify a payment group or payment including in the file. To return to your starting point with service agreements without building a file, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. AUTHORIZING A FILE How do I get here? The Authorize File page opens when you select Payments & Receivables > Electronic Funds Transfer > Release Payments > Authorize from the menu. What can I do here? This page displays all the payment groups included in the payment file. Use this page to authorize a payment file so that it can be released. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Authorized by Status The user ID of the user who authorized this file. If the file has not been authorized yet, it displays <TBA>, (to be authorized). Indicates whether the file is pending authorization or has already been authorized. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 78

79 RELEASING PAYMENTS What do the columns mean? Value Date The value date for the payment group. Payment Group The identifier for the payment group. Description Number The description of the payment group. The number and dollar value of the releasable payments in the payment group. To view these payments, click the link in the Number column. For details, see "Managing Payments" on page 49. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view additional information about releasable payments in a payment group, click the corresponding link in a Number column. For details, see "Managing Payments" on page 49. To authorize this payment file for release, click Authorize. A message box prompts you to confirm that you want to authorize this file. If you click OK in the message box, you authorize the file. This page refreshes, and a message at the top of the page confirms that the file has been authorized. After authorization, your file is ready to be released. For details, see "Releasing a File" on page 80. If you click Cancel in the message box, you do not authorize the file. This page does not change. To return to your starting point with service agreements without authorizing this file, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 79

80 RELEASING PAYMENTS RELEASING A FILE How do I get here? The Release File page opens when you select Payments & Receivables > Electronic Funds Transfer > Release Payments > Release File from the menu. What can I do here? This page displays all the payment groups included in the payment file. Use this page to release a payment file after it has been authorized. Notes: SecurID authentication is required to release a file. For details, see "Authenticating with a SecurID Token in EFT" on page 18. You can release only those files that do not exceed the maximum dollar-amount limit defined by your company. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Assigned file number Status The file number assigned by the system. Indicates whether the file is pending authorization or has already been authorized. Note: You can release a file only if its status is Authorization Complete. If the file has Pending Authorization status, you or another user must select Payments & Receivables > Electronic Funds Transfer > Release Payments > Authorize from the menu to open the Authorize File page, to authorize the file before releasing it. What do the columns mean? Value Date The value date for the payment group. Payment Group The identifier for the payment group. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 80

81 RELEASING PAYMENTS Description Number The description of the payment group. The number and dollar value of releasable payments in the payment group. To view these payments, click the link in the Number column. For details, see "Managing Payments" on page 49. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view additional information about releasable payments in a payment group, click the corresponding link in a Number column. For details, see "Managing Payments" on page 49. To authorize this payment file for release, click Release. Available only if this file has Authorization Complete status. The SecurID Challenge page opens, prompting you to authenticate with a SecurID token. For details, see "Authenticating with a SecurID Token in EFT" on page 18. After authentication, the Release File page reopens with a confirmation message at the top of the page that the file was released. Note: If you click Cancel on the SecurID Challenge page, the Release File page reopens. The file is not released, and the page is unchanged. Important: After your file has been released, and submitted for processing, check the reports to confirm the status of the released file. For information on reports, refer to the Electronic Funds Transfer Client Manual. To return to your starting point with service agreements without releasing this file, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 81

82 POST-DELIVERY TASKS POST-DELIVERY TASKS After you submit a payment file to the system for processing, the following events may occur: The system or client may reject a payment you submitted. You can correct these rejected payments. For details, see "Correction Requests" on page 83. The client may return a payment you submitted. You can resubmit these returned payments. For details, see "Resubmission Requests" on page 97. You may want to recall payments, payment groups, or payment files that you submitted. For details, see "Recall Requests" on page 113. Note about file confirmation: If you create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service, you can confirm the file content before this service processes the file. For details, see "Confirming Files" on page 125. Your company has one of the following settings for post-delivery tasks: Settlement Risk Line Pre-Funding Option Timing What can be recalled Settlement Risk Line You can recall a payment, payment group, or payment file even if the payments have been delivered to the other financial institution. You can recall a payment, payment group, or payment file. Pre-Funding Option You cannot recall a credit payment that has already been delivered to the other financial institution. Before the file is processed, if you recall a payment or a payment group for a specific settlement date, the system retains the hold of funds for the entire payment file. To remove the hold, you must recall the file for a specific settlement date. The system will reverse the hold on the funding account in three or four hours after you submit the recall request. Resubmissions You can resubmit a returned payment. The system accepts resubmission requests only if there are enough funds in the account to cover the payment. Corrections You can submit a correction request for a rejected payment. Correction requests for rejected transactions will only be accepted when there are sufficient funds in the account to cover the transaction amount. PAYMENT STATUSES Payments can have the following statuses in the Electronic Funds Transfer system: Status Accepted Warehoused for Delivery Recalled prior to delivery Description The payment is warehoused on the system and has not been delivered to the intended financial institution, because the current date is before the value date. Your company recalled the payment before the system delivered it to the intended financial institution. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 82

83 POST-DELIVERY TASKS Status Recalled via Error Correction Delivered Rejected by Client Rejected by EFT Rejected due to credit overlimit Corrected Returned Resubmitted Awaiting funds confirmation Funds confirmation failed Description The system delivered the payment to the intended financial institution, but the system tried to recall it after delivery. The system delivered the payment to the intended financial institution, but not necessarily to the payee or payor s account. The system has not received any notification rejecting or returning the payment. Available only if payment verification is specified in your company's service agreement. A user in your company rejected this payment while verifying it. The intended financial institution's EFT system rejected the payment. The system rejected the payment because the dollar value of the payment file exceeds the credit limit for this service agreement. The intended financial institution rejected the original payment, and your company has issued a correction request for the rejected payment. This does not indicate that the payment was successfully delivered to the payee/payor s account. The intended financial institution's EFT system returned the payment. The intended financial institution returned the original payment due to NSF, and your company has issued a resubmission request for the returned payment. This does not indicate that the payment was successfully delivered to the payee/payor s account. The system is waiting for funding confirmation before processing the payment or file. Available only if your company has the pre-funding setting. Funding confirmation failed, so the payment or file was not processed. Available only if your company has the pre-funding setting. For information about the pre-funding setting, see "Post-Delivery Tasks" on page 82. CORRECTION REQUESTS The client or the system may reject a released payment if it cannot be processed, for example, because the payment information is incorrect, such as an invalid account number. Rejected payments are reported on your DEFR 210 and DEFR 211 reports. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. You can correct a payment only if: It has not been delivered yet and its status is Warehoused. It was rejected by the system and its status is Warehoused. It was rejected by another financial institution, and it is up to five days after the payment settlement date. How do you work with correction requests? If you are entitled to correct rejection requests for a service agreement, you work from the Manage Correction Request page. For details, see "Managing Correction Requests" on page 84. You can perform the following tasks from this page: Correcting a rejected payment by creating a correction request. For details, see "Correcting a Payment" on page 87. Deleting a correction request. For details, see "Deleting a Correction Request" on page 93. Viewing a correction request. For details, see "Viewing a Correction Request" on page 90. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 83

84 POST-DELIVERY TASKS Otherwise, you can view only correction requests that have not been processed yet. For details, see "Viewing Submitted Correction Requests" on page 89. If you are entitled, you can verify correction requests for a service agreement. For details, see "Verifying Correction Requests" on page 95. Note: Verifying correction requests is available and required only if it is specified in your company's service agreement. MANAGING CORRECTION REQUESTS How do I get here? The Manage Correction Requests page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Correct > Manage from the menu. What can I do here? Use this page to view rejected payments and create corresponding correction requests. This page is displayed only if you are entitled to correct payments for this service agreement. Note: For information on verifying correction requests, see "Verifying Correction Requests" on page 95. For information on viewing correction requests that have not been processed yet, see "Viewing Submitted Correction Requests" on page 89. You can issue a correction request within five business days to correct a rejected payment. You can view rejected payments: in the DEFR 210 Reject Report or the DEFR 211 Reject Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. on the File Status page. For details, see "Viewing File Status" on page 134. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 84

85 POST-DELIVERY TASKS Note: SecurID authentication is required for corrections. For details, see "Authenticating with a SecurID Token in EFT" on page 18. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File Select the file number of the payment file where the rejected payment is located. If the payment was rejected by this system, this is in the DEFR 210 Reject Report. If the payment was rejected by the receiving financial institution, this is in the DEFR 211 Reject Report. You can also view it from the File Status page. For details, see "Viewing File Status" on page 134. Note: You must enter either the correction key or the bank, branch, and account numbers for the rejected payment. Correction key Enter the correction key issued for the rejected payment. If the payment was rejected by this system, this is in the DEFR 210 Reject Report. If the payment was rejected by the receiving financial institution, this is in the DEFR 211 Reject Report. You can also view it from the File Status page. For details, see "Viewing File Status" on page 134. Bank/branch/account If you do not have the correction key issued for the rejected payment, enter the four-digit bank, five-digit branch, and account numbers for it. Note: If you have a three-digit bank number, add a zero (0) at the beginning, because this system requires a four-digit bank number. Value date If you are searching for the rejected payment by the bank, branch, and account numbers, you can also enter the day, month, and year of the value date in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. Optional. What does the table mean? The table displays all rejected payments for this service agreement. You can use search criteria to filter the rejected payments. The search criteria are displayed above the table. What do the columns mean? File Correction Key The file number of the payment file and correction key for the rejected payment. Payee/Payor Name The recipient of the rejected debit or credit payment. Value Date The value date of the rejected payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 85

86 POST-DELIVERY TASKS Amount The dollar amount of the rejected payment, as well as the record type of the transaction (CR or DR). Cross Reference The cross reference for the rejected payment. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To filter the list of rejected payments by file and either correction key or the bank, branch, and account numbers and value date (optional), enter this information in the corresponding fields and click Search. To return to your starting point with service agreements, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. To delete a correction request, select the corresponding rejected payment and click Delete. For details, see "Deleting a Correction Request" on page 93. Available only if: A correction request has already been submitted for this payment. The correction request's status enables it to be deleted. To view a correction request, select the corresponding rejected payment and click View. For details, see "Viewing a Correction Request" on page 90. Available only if a correction request has already been submitted for this payment. To correct a rejected payment, select it and click Correct. For details, see "Correcting a Payment" on page 87. Available only if: The payment's status enables it to be corrected. A correction request has not been submitted yet for this payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 86

87 POST-DELIVERY TASKS CORRECTING A PAYMENT How do I get here? The Correct a Payment page opens when you select a rejected payment on the Manage Correction Requests page and click Correct. For details, see "Managing Correction Requests" on page 84. You access that page by selecting Payments & Receivables > Electronic Funds Transfer > Post Delivery > Correct > Manage from the menu. What can I do here? Use this page to correct a rejected payment. You create a corresponding correction request and submit it for processing. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the rejected payment. Correction key The correction key that was issued when the system rejected the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 87

88 POST-DELIVERY TASKS Status The payment status of the rejected payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. The fields that caused the payment to be rejected are marked by an asterisk. Correct these fields. Payee/payor name The recipient of the debit or credit payment. Maximum length is 30 alphanumeric characters. Tip: Payments are sorted alphabetically by the first value in this field. If the payee or payor is a person, enter the last name before the first name, for example, enter John Smith as Smith, John. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date The value date of the rejected payment. You can also enter the day, month, and year of the value date in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. Amount The dollar amount of this payment. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Entered by The user ID of the user who added this item, and the date and time when it was added. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 88

89 POST-DELIVERY TASKS Verified by The user IDs of the users who verified this item. What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the Manage Correction Requests page, click Previous. To correct the rejected payment and create a corresponding correction request, click Correct. A message box prompts you to confirm that you want to correct this payment. If you click OK in the message box, you create the correction request. The Manage Correction Requests page reopens, and a message at the top of the page confirms that the correction request has been created. If you click Cancel in the message box, you do not create the correction request. This page does not change. VIEWING SUBMITTED CORRECTION REQUESTS How do I get here? The Correction Request List page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Correct > Request List from the menu. What can I do here? Use this page to view correction requests that have not been processed yet. Note: Once the system processes a correction request, it is not displayed on this page. You can view it by searching for the corresponding rejected payment on the Manage Correction Requests page. For details, see "Managing Correction Requests" on page 84. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 89

90 POST-DELIVERY TASKS What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? File Correction Key The file number of the payment file and correction key for the corresponding rejected payment. Note: The second row displays the status of the correction request. Payee/Payor Name The recipient for the correction request. Note: The second row displays the user ID of the user who entered the correction request. Cross Reference Amount The cross reference for the correction request. Note: The second row displays the user IDs of the users who verified the correction request. The dollar amount of the correction request, as well as the record type of the transaction (CR or DR). Value Date The value date of the correction request. What do the buttons and links do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view a correction request, click the link in the File Correction Key column. For details, see "Viewing a Correction Request" on page 90. VIEWING A CORRECTION REQUEST How do I get here? The View Correction Request page opens when: You select a rejected payment on the Manage Correction Requests page, for which a correction request has already been created, and you click View. For details, see "Managing Correction Requests" on page 84. You click a link for a correction request on the Correction Request List page. For details, see "Viewing Submitted Correction Requests" on page 89. You click a link for a correction request on the Verify Correction Requests page. For details, see "Verifying Correction Requests" on page 95. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 90

91 POST-DELIVERY TASKS What can I do here? Use the View Correction Request page to view a correction request. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the rejected payment. Correction key Status The correction key that was issued when the system rejected the payment. The payment status of the rejected payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. Values for the fields below are displayed in both the Corrected and Original columns: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 91

92 POST-DELIVERY TASKS Corrected: The value in the correction request. Original: The value in the original payment. If the original value was corrected, it is displayed with a strikethrough. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value Date Amount The value date of the rejected payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 92

93 POST-DELIVERY TASKS To return to the previous page, click Previous. DELETING A CORRECTION REQUEST How do I get here? The Delete Correction Request page opens when on the Manage Correction Requests page, you select a rejected payment for which a correction request has been already created, and you click Delete. For details, see "Managing Correction Requests" on page 84. What can I do here? Use this page to delete a correction request before it is processed. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the rejected payment. Correction key The correction key that was issued when the system rejected the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 93

94 POST-DELIVERY TASKS Status The payment status of the rejected payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. Values for the fields below are displayed in both the Corrected and Original columns: Corrected: The value in the correction request. Original: The value in the original payment. If the original value was corrected, it is displayed with a strikethrough. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value Date Amount The value date of the rejected payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 94

95 POST-DELIVERY TASKS What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the Manage Correction Requests page, click Previous. To delete this correction request, click Delete. A message box prompts you to confirm that you want to delete this correction request. If you click OK in the message box, you delete this correction request. The Manage Correction Requests page reopens, and a message at the top of the page confirms that the correction request has been deleted. If you click Cancel in the message box, you do not delete the correction request. This page does not change. VERIFYING CORRECTION REQUESTS How do I get here? The Verify Correction Requests or Correction Requests Pending Verification page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Verify > Corrections from the menu. What can I do here? Use this page to verify correction requests, which submits these requests for processing. You can only verify those records that do not exceed your Data Verification maximum amount limit, which is defined by your company's setup. You cannot verify records that you entered or modified. Note: Verifying correction requests is supported and required only if it is specified in your company's service agreement. Note: SecurID authentication is required to verify a correction request. For details, see "Authenticating with a SecurID Token in EFT" on page 18. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 95

96 POST-DELIVERY TASKS What do the fields mean? Service agreement Display The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Specify which correction requests to display in the list. Only items I can verify: Displayed only if you are entitled to verify correction requests for this service agreement. If so, this is the default selection. All items pending verification: The list displays all correction requests pending verification. If you are entitled to verify correction requests for this service agreement, you can view both requests you can verify and those you entered, which you cannot verify. Note: If you select this or if this is the only item available, the page name is Correction Requests Pending Verification. The radio buttons are available only if you are entitled to verify correction requests. What do the columns mean? Select Details You can verify the selected correction requests. To select all correction requests in the list, select the check box in the column heading. This check box is available only for correction requests that you can verify. To view additional information about a correction request, click the Details link. For details, see "Viewing a Correction Request" on page 90. File Correction Key The file number and the correction key. Payee/Payor Name Amount The recipient of the corrected debit or credit payment. The dollar amount of the corrected payment, as well as the currency and the record type of the transaction (CR or DR). Bank/Branch/Account The bank, branch, and account numbers for the corrected payment. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To toggle between viewing only correction requests you can verify (the default selection) and viewing all correction requests pending verification, click your selection. Available only if you are entitled to verify ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 96

97 POST-DELIVERY TASKS correction requests for this service agreement. To view additional information about a correction request, click the corresponding Details link. For details, see "Viewing a Correction Request" on page 90. To verify one or more correction requests, select them and click Verify. Available only if you are entitled to verify correction requests. The SecurID Challenge page opens, prompting you to authenticate with a SecurID token. For details, see "Authenticating with a SecurID Token in EFT" on page 18. After authentication, the Verify Correction Requests page reopens with a confirmation message at the top of the page that the selected correction requests were verified. Note: If you click Cancel on the SecurID Challenge page, the Verify Correction Requests page reopens. Any selected correction requests are not verified, and the page is unchanged. Note:You can view the accepted corrections on the next business days' DEFR 730 DLS initiated Reject Corrections report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To return to your starting point with service agreements without verifying correction requests, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. RESUBMISSION REQUESTS The client's financial institution may return a payment if it cannot be processed even though the payment information is correct. For example, a payment may be returned because an account was NSF. The system displays returned payments for five days after the settlement date specified in the original payment that the system sent out. All returned transactions are reported on your DEFR 260 Returned Item List report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. How do you submit resubmission requests? There are two ways to create resubmission requests. Your company specifies either or both of these options in its service agreement. Automated Re-presentment Facility. The system automatically resubmits a returned payment for delivery after a delay period your company specifies. Re-presented payments may be in electronic format, where accepted by the payor s Financial Institution, or MICR-encoded paper vouchers. For electronic returns, the delay factor is from 1 to 9 days. For MICR vouchers returns, the delay factor is from 3 to 9 days. If you specify the minimum delay, this automatic resubmission is processed tonight. Otherwise, it is processed on the next business day. Note: The only debit payments you can resubmit with the Automated Re-presentment Facility are those that were returned with reason codes 901 and 908. Manually create a resubmission request to resubmit the payment to try again another day, as described in this section. The resubmission date for the payment cannot be more than 30 days after the current date. You can ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 97

98 POST-DELIVERY TASKS resubmit a returned payment only if it meets the following conditions: You can only resubmit a payment that was returned electronically: you cannot resubmit a payment that was returned by a manual voucher from the payor's financial institution. You have not previously resubmitted the payment. Note: Regulations allow a returned payment to be resubmitted only one time. How do you work with resubmission requests? If you are entitled to resubmit returned payments for a service agreement, you work from the Manage Resubmission Requests page. For details, see "Managing Resubmission Requests" on page 99. You can perform the following tasks from this page: Resubmitting a returned payment by creating a resubmission request. For details, see "Resubmitting a Payment" on page 102. Deleting a resubmission request you created or created by the Automated Re-presentment Facility. For details, see "Deleting a Resubmission Request" on page 108. Viewing a resubmission request. For details, see "Viewing a Resubmission Request" on page 105. Otherwise you can view only resubmission requests that have not been processed yet. For details, see "Viewing Submitted Resubmission Requests" on page 104. If you are entitled, you can verify resubmission requests for a service agreement. For details, see "Verifying Resubmission Requests" on page 111 for details. Note: Verifying resubmission requests is available and required only if it is specified in your company's service agreement. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 98

99 POST-DELIVERY TASKS MANAGING RESUBMISSION REQUESTS How do I get here? The Manage Resubmission Requests page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Resubmit > Manage from the menu. What can I do here? Use this page to view payments returned by the recipient's financial institution and to create corresponding resubmission requests to resubmit payments. This page displays returned payments for five days after the settlement date specified in the original payment that the system sent out. This page is displayed only if you are entitled to resubmit payments for this service agreement. Note: For information on verifying resubmission requests, see "Verifying Resubmission Requests" on page 111. For information on viewing resubmission requests that have not been processed yet, see "Viewing Submitted Resubmission Requests" on page 104. All returned transactions are reported on your DEFR 260 Returned Item List report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 99

100 POST-DELIVERY TASKS File Select the payment file where the payment to resubmit is located. Note: You must enter either the resubmission key or the bank, branch, and account numbers for the returned payment. Resubmission key Enter the resubmission key issued for the returned payment. All returned payments are reported on your DEFR 260 Returned Item List. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. Bank/branch/account If you do not have the resubmission key issued for the returned payment, enter the four-digit bank, five-digit branch, and account numbers for it. Note: If you have a three-digit bank number, add a zero (0) at the beginning, because this system requires a four-digit bank number. Value date If you are searching for the returned payment by the bank, branch, and account numbers, you can also enter the day, month, and year of the value date in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. What does the table mean? The table displays all returned payments for this service agreement. You can use search criteria to filter the returned payments. The search criteria are displayed above the table. What do the columns mean? File Resubmission Key The file number of the payment file and resubmission key for the returned payment. Payee/Payor Name The recipient of the returned debit or credit payment. Value Date Amount The value date of the returned payment. The dollar amount of the returned payment. Cross Reference The cross reference for the returned payment. Comment The status of the payment. For details, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 100

101 POST-DELIVERY TASKS multiple service agreements. To filter the list of returned payments by file and either resubmission key or the bank, branch, and account numbers and value date (optional), enter this information in the corresponding fields and click Search. To return to your starting point with service agreements, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. To delete a resubmission request, select the corresponding returned payment and click Delete. For details, see "Deleting a Resubmission Request" on page 108. Available only if: A resubmission request has already been submitted for this payment. The resubmission request's status enables it to be deleted. For example, if the resubmission request has already been processed offline, you cannot delete the request To view a resubmission request, select the corresponding returned payment and click View. For details, see "Viewing a Resubmission Request" on page 105. To resubmit a returned payment, select it and click Resubmit. For details, see "Resubmitting a Payment" on page 102. Available only if: The payment's status enables it to be resubmitted. For example if the system still has the original payment. A resubmission request has not been submitted yet for this payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 101

102 POST-DELIVERY TASKS RESUBMITTING A PAYMENT How do I get here? The Resubmit a Payment page opens when you select a returned payment on the Manage Resubmission Requests page and click Resubmit. For details, see "Managing Resubmission Requests" on page 99. You access that page by selecting Payments & Receivables > Electronic Funds Transfer > Post Delivery > Resubmit > Manage from the menu. What can I do here? Use this page to resubmit a returned payment. You create a corresponding resubmission request and submit it for processing. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the returned payment. Resubmission key The resubmission key that was issued when the system returned the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 102

103 POST-DELIVERY TASKS Status The payment status of the returned payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. The following fields are read only: Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date The value date of the resubmitted payment. This is the value date selected when the payment is resubmitted. Original value date Amount The value date of the payment when it was originally submitted. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Reason for return The reason that the payment was returned, for example, if the account was NSF. Modifiable fields You can modify any of the values in the following fields: Resubmission date By default this is the current date. This cannot be more than 30 days after the current date. You can enter the day, month, and year in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the resubmission date. Payee/payor name The recipient of the debit or credit payment. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 103

104 POST-DELIVERY TASKS Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the Manage Resubmission Requests page, click Cancel. To resubmit the returned payment and create a corresponding resubmission request, click Resubmit. A message box prompts you to confirm that you want to resubmit this payment. If you click OK in the message box, you create the resubmission request. The Manage Resubmission Requests page reopens, and a message at the top of the page confirms that the resubmission request has been created. If you click Cancel in the message box, you do not create the resubmission request. This page does not change. VIEWING SUBMITTED RESUBMISSION REQUESTS How do I get here? The Resubmission Request List page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Resubmit > Request List from the menu. What can I do here? Use this page to view your resubmission requests that have not been processed yet. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 104

105 POST-DELIVERY TASKS You can also use this page to delete a pending resubmission request that was generated by the Automated Representment Facility created. For more information, see "Resubmission Requests" on page 97. Note: Once the system processes a resubmission request, it is not displayed on this page. You can view it by searching for the corresponding returned payment on the Manage Resubmission Requests page. For details, see "Managing Resubmission Requests" on page 99. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? File Resubmission Key The file number of the payment file and resubmission key for the corresponding returned payment. Note: The second row displays the status of the resubmission request. Payee/Payor Name The recipient for the resubmission request. Note: The second row displays the user ID of the user who entered the resubmission request. Cross Reference Amount The cross reference for the resubmission request, as well as the record type of the transaction (CR or DR). Note: The second row displays the user IDs of the users who verified the resubmission request. The dollar amount of the resubmission request. Value Date The value date of the resubmission request. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view a resubmission request, click the link in the File Resubmission Key column. For details, see "Viewing a Resubmission Request" on page 105. VIEWING A RESUBMISSION REQUEST How do I get here? The View Resubmission Request page opens when: You select a returned payment on the Manage Resubmission Requests page, for which a resubmission request has already been created, and you click View. For details, see "Managing Resubmission Requests" on page 99. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 105

106 POST-DELIVERY TASKS You click a link for a resubmission request on the Resubmission Request List page. For details, see "Viewing Submitted Resubmission Requests" on page 104. You click a link for a resubmission request on the Verify Resubmission Requests page. For details, see "Verifying Resubmission Requests" on page 111. What can I do here? Use the View Resubmission Request page to view a resubmission request. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the returned payment. Resubmission key Status The resubmission key that was issued when the system returned the payment. The payment status of the returned payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 106

107 POST-DELIVERY TASKS Values for the fields below are displayed in both the Modified and Original columns: Modified: The value in the resubmission request. Original: The value in the original payment. If the original value was modified, it is displayed with a strikethrough. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date The value date of the resubmitted payment. This is the value date selected when the payment is resubmitted. Original value date Amount The value date of the payment when it was originally submitted. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Reason for return The reason that the payment was returned, for example, if the account was NSF. Resubmission date The date for submitting the resubmission request. Payee/payor name The recipient of the debit or credit payment. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Entered by The user ID of the user who added this item, and the date and time when it was added. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 107

108 POST-DELIVERY TASKS Verified by The user IDs of the users who verified this item. What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the previous page, click Previous. DELETING A RESUBMISSION REQUEST How do I get here? The Delete Resubmission Request page opens when on the Manage Resubmission Requests page, you select a returned payment for which a resubmission request has already been created, and you click Delete. For details, see "Viewing Submitted Resubmission Requests" on page 104. What can I do here? Use this page to delete a resubmission request before it is processed. You can delete a request you or the Automated Re-presentment Facility created. For more information, see "Resubmission Requests" on page 97. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 108

109 POST-DELIVERY TASKS What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the file with the returned payment. Resubmission key Status The resubmission key that was issued when the system returned the payment. The payment status of the returned payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. Values for the fields below are displayed in both the Modified and Original columns: Modified: The value in the resubmission request. Original: The value in the original payment. If the original value was modified, it is displayed with a strikethrough. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date The value date of the resubmitted payment. This is the value date selected when the payment is resubmitted. Original value date Amount The value date of the payment when it was originally submitted. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Reason for return The reason that the payment was returned, for example, if the account was NSF. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 109

110 POST-DELIVERY TASKS Resubmission date The date for submitting the resubmission request. Payee/payor name The recipient of the debit or credit payment. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Entered by The user ID of the user who added this item, and the date and time when it was added. Verified by The user IDs of the users who verified this item. What do the buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the Manage Correction Requests page, click Previous. To delete this correction request, click Delete. A message box prompts you to confirm that you want to delete this correction request. If you click OK in the message box, you delete this correction request. The Manage Correction Requests page reopens, and a message at the top of the page confirms that the correction request has been deleted. If you click Cancel in the message box, you do not delete the correction request. This page does not change. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 110

111 POST-DELIVERY TASKS VERIFYING RESUBMISSION REQUESTS How do I get here? The Verify Resubmission Requests or Resubmission Requests Pending Verification page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Verify > Resubmissions from the menu. What can I do here? Use this page to verify resubmission requests, which submits these requests for processing. You can only verify those records that do not exceed your Data Verification maximum amount limit, which is defined by your company's setup. You cannot verify records that you entered or modified. Note: Verifying resubmission requests is supported and required only if it is specified in your company's service agreement. Note: SecurID authentication is required to verify a resubmission request. For details, see "Authenticating with a SecurID Token in EFT" on page 18. What do the fields mean? Service agreement Display The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. Specify which resubmission requests to display in the list. Only items I can verify: Displayed only if you are entitled to verify resubmission requests for this service agreement. If so, this is the default selection. All items pending verification: The list displays all resubmission requests pending verification. If you are entitled to verify resubmission requests for this service agreement, you can view both requests you can ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 111

112 POST-DELIVERY TASKS verify and those you entered, which you cannot verify. Note: If you select this or if this is the only item available, the page name is Resubmission Requests Pending Verification. The radio buttons are available only if you are entitled to verify resubmission requests. What do the columns mean? Select Details You can verify the selected resubmission requests. To select all resubmission requests in the list, select the check box in the column heading. This check box is available only for resubmission requests that you can verify. To view additional information about a resubmission request, click the Details link. For details, see "Viewing a Resubmission Request" on page 105. File Resubmission Key The file number and the resubmission key. Payee/Payor Name Amount The recipient of the corrected debit or credit payment. The dollar amount of the resubmitted payment, as well as the currency and the record type of the transaction (CR or DR). Bank/Branch/Account The bank, branch, and account numbers for the resubmitted payment. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To toggle between viewing only resubmission requests you can verify (the default selection) and viewing all resubmission requests pending verification, click your selection. Available only if you are entitled to verify resubmission requests for this service agreement. To view additional information about a resubmission request, click the corresponding Details link. For details, see "Viewing a Resubmission Request" on page 105. To verify one or more resubmission requests, select them and click Verify. Available only if you are entitled to verify resubmission requests. The SecurID Challenge page opens, prompting you to authenticate with a SecurID token. For details, see "Authenticating with a SecurID Token in EFT" on page 18. After authentication, the Verify Resubmission Requests page reopens with a confirmation message at the top of the page that the selected resubmission requests were verified. Note: If you click Cancel on the SecurID Challenge page, the Verify Resubmission Requests page reopens. Any selected resubmission requests are not verified, and the page is unchanged. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 112

113 POST-DELIVERY TASKS Note: You can view the accepted resubmissions on the next business day's DEFR 730 Re-presented Item report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To return to your starting point with service agreements without verifying resubmission requests, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. RECALL REQUESTS If you are entitled, you can recall payments, payment groups, or payment files by submitting a recall request. For details, see "Recalling a File" on page 121, "Recalling a Payment Group" on page 118, or "Recalling a Payment" on page 116. These pages are displayed only if you are entitled to recall items for this service agreement. Otherwise, you can view a list of recall requests that have not been processed yet. For details, see "Viewing Submitted Recall Requests" on page 123. Recall requests are performed on a best-effort basis. All recall requests are reported the next business day on the DEFR 735 DLS Initiated Recall Audit Report. Submitting a recall request has one of the following results: The request is successfully recalled if the payment is still in the system. The recall is reported in the Items Recalled Prior to Delivery section of the DEFR 240 BMO Client Recall List report. The system cannot recall the request if the payment has already been delivered. Instead, if your company subscribes to the "error corrections allowed" option in the service agreement, the system generates an Error Correction transaction (record type E or F) for delivery to the receiving financial institution, which is a reversal of the payment. Error Correction transactions issued are reported in the Items Recalled Post Delivery section of the DEFR 240 BMO Client Recall List report. Note: The receiving financial institution can return or reject Error Correction transactions. Note: Even though the system generates an Error Correction, the receiving financial institution may have already returned or rejected the original transaction. Therefore, it is possible that the receiver returns an original debit payment and accepts an Error Correction of that payment. The receiving financial institution rejects the recall request. Rejected requests are reported on the DEFR 725 BOM Client Rejected DLS Initiated Recall Requests report. A request may be rejected if the following conditions apply when the recall request is received: The receiving financial institution already returned or rejected the payment. The payment was already recalled. The payment was already delivered to the receiving financial institution. The Canadian Payments Association prohibits recalling a payment that has been delivered. Regulations prohibit recalling an individual payment once it has been delivered. Therefore, the system has defined payments with Delivered status as Not Recallable. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 113

114 POST-DELIVERY TASKS SELECTING A PAYMENT TO RECALL How do I get here? The Recall Payment Search page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Recall > Payments from the menu. What can I do here? Use this page to recall a payment that has been submitted to the system for processing. You create a recall request for the payment and submit it for processing. This process has two steps: 1. Selecting the payment to recall. This step is described on this page. 2. Viewing the payment details and submitting the recall request. This step is described on the next page. Recalling a payment recalls only that payment. It does not affect the other payments in the payment group or file: they are all processed normally. This page is displayed only if you are entitled to recall items for this service agreement. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 114

115 POST-DELIVERY TASKS File Select the payment file where the payment to recall is located. Bank/branch/account Enter the four-digit bank, five-digit branch, and account numbers for the payment to recall. Note: If you have a three-digit bank number, add a zero (0) at the beginning, because this system requires a four-digit bank number. Value date You can also enter the day, month, and year of the value date of the payment to recall in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. What does the table mean? The table displays all payments for this service agreement that have been submitted to the system for processing. You can use search criteria to filter these payments. The search criteria are displayed above the table. When you open the page, only the Search criteria box is displayed. You need to enter search criteria and search to populate the list. What do the columns mean? Payee/payor name The recipient of the debit or credit payment. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Value date Amount The value date of the payment to recall. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Comment Any additional information about the payment's eligibility to be recalled. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To search for a payment to recall by file and the bank, branch, and account numbers and value date (optional), enter this information in the corresponding fields and click Search. To view the details of a payment before recalling it, select it and click Recall. For details, see "Recalling a Payment" on page 116. To return to your starting point with service agreements without saving your changes, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 115

116 POST-DELIVERY TASKS If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. RECALLING A PAYMENT How do I get here? The Recall Payment Details page opens when you select a payment on the Recall Payment Search page and click Recall. For details, see "Selecting a Payment to Recall" on page 114. What can I do here? Use this page to recall a payment that has been submitted for processing. You create a recall request for the payment and submit it for processing. This process has two steps: 1. Selecting the payment to recall. This step is described on the previous page. 2. Viewing the payment details and submitting the recall request. This step is described on this page. What do the fields mean? Service agreement File The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. The file number of the payment file in which the payment is located. Payee/payor name The recipient of the debit or credit payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 116

117 POST-DELIVERY TASKS Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date The value date of the payment to recall. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Return bank branch account Status The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The payment status of the payment to recall. For a list and description of payment statuses, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To submit a request to recall this payment, click Recall. A message box prompts you to confirm that you want to recall this payment. If you click OK in the message box, you submit a request to recall the payment. The Recall Payment Search page reopens, and a message at the top of the page confirms that the request to recall this payment has been submitted. If you click Cancel in the message box, you do not submit a request to recall the payment. This page does not change. Note: You can view all recall requests on the next business day's DEFR 735 DLS Initiated Recall Audit Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To reopen the Recall Payment Search page without submitting a recall request, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 117

118 POST-DELIVERY TASKS RECALLING A PAYMENT GROUP How do I get here? The Recall Payment Group page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Recall > Payment Groups from the menu. What can I do here? Use this page to submit a request to recall all payments in a payment group that has been submitted to the system for processing. This page displays all files with payment groups that have been released and that can be recalled. This process has two steps: 1. Selecting the file with the payment group to recall. This step is described on this page. 2. Selecting the payment group and submitting the recall request. This step is described on the next page. Recalling a payment group also recalls all the payments in that group. However, it does not affect any other payment groups in the file: they are all processed normally. This page is displayed only if you are entitled to recall items for this service agreement. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? File The file number that the system assigned to the payment file when it was built. Processing Status The current processing status of the file. This is one of the following: ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 118

119 POST-DELIVERY TASKS Received On Number Amount Pending Process: The system received and logged the file and has not completed processing it yet. Process Complete: The system completed processing the files. The payments are stored in the system and/or are awaiting delivery. On hold awaiting confirmation: The system received and logged the file, and it is on hold. Relevant only if your company subscribes to the feature enabling and requiring it to verify file totals before processing. Your company must either release the hold on a file or recall it. Otherwise, the system will not process the file, and your company may not be able to create new files. Note: This status may be displayed as "On hold awaiting X confirmations," where X indicates the number of outstanding confirmations required to submit the file for processing. The date and time when the file was received by the system, after it was submitted to the system for processing. The number of payments in the file, organized by credit payments, debit payments, and rejected payments. The dollar amount of the credit and debit payments in the file, organized by credit payments and debit payments. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to your starting point with service agreements without saving your changes, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. To recall a payment group, select the corresponding payment file and click Recall. For details, see "Selecting a Payment Group to Recall" on page 120. Note: You can view all recall requests on the next business day's DEFR 735 DLS Initiated Recall Audit Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 119

120 POST-DELIVERY TASKS SELECTING A PAYMENT GROUP TO RECALL How do I get here? The Recall Payment Group Select Payment Group page opens when you select a payment file and click Recall Payment Group on the Recall Payment Group page. For details, see "Recalling a Payment Group" on page 118. What can I do here? Use this page to submit a request to recall all payments in a payment group that have been submitted to the system for processing. This page displays all payment groups that have been released and that can be recalled that were in the payment file you selected on the previous page. This process has two steps: 1. Selecting the file with the payment group to recall. This step is described on the previous page. 2. Selecting the payment group and submitting the recall request. This step is described on this page. Recalling a payment group also recalls all the payments in that group. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? Payment Group Number Amount The payment group that can be recalled. The number of payments in the payment group. The dollar amount of the payments in the payment group. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 120

121 POST-DELIVERY TASKS What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the previous page without recalling a payment group, click Cancel. To recall a payment group, select it and click Recall. A message box prompts you to confirm that you want to recall this payment group. If you click OK in the message box, you submit a request to recall the payment group. This page reopens, and a message at the top of the page confirms that the request to recall this payment group has been submitted. If you click Cancel in the message box, you do not submit a request to recall the payment group. This page does not change. RECALLING A FILE How do I get here? The Recall Files page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Recall > Files from the menu. What can I do here? Use this page to submit a request to recall all payments in a payment file that has been submitted to the system for processing. Recalling a file recalls all the payment groups and payments in that file. This page is displayed only if you are entitled to recall items for this service agreement. This page displays all files that have been submitted to the system for processing and that can be recalled. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 121

122 POST-DELIVERY TASKS What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? File The file number that the system assigned to the payment file when it was built. Processing Status The current processing status of the file. This is one of the following: Received On Number Amount Pending Process: The system received and logged the file and has not completed processing it yet. Process Complete: The system completed processing the files. The payments are stored in the system and/or are awaiting delivery. On hold awaiting confirmation: The system received and logged the file, and it is on hold. Relevant only if your company subscribes to the feature enabling and requiring it to verify file totals before processing. Your company must either release the hold on a file or recall it. Otherwise, the system will not process the file, and your company may not be able to create new files. Note: This status may be displayed as "On hold awaiting X confirmations," where X indicates the number of outstanding confirmations required to submit the file for processing. The date and time when the file was received by the system, after it was submitted to the system for processing. The number of payments in the file, organized by credit payments, debit payments, and rejected payments. The dollar amount of the credit and debit payments in the file, organized by credit payments and debit payments. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to your starting point with service agreements without saving your changes, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 122

123 POST-DELIVERY TASKS To recall a file, select it and click Recall Entire File. A message box prompts you to confirm that you want to recall this file. If you click OK in the message box, you submit a request to recall the file. This page reopens, and a message at the top of the page confirms that the request to recall this file has been submitted. If you click Cancel in the message box, you do not submit a request to recall the file. This page does not change. Note: You can view all recall requests on the next business day's DEFR 735 DLS Initiated Recall Audit Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. VIEWING SUBMITTED RECALL REQUESTS How do I get here? The Recall Request List page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Recall > Requests List from the menu. What can I do here? Use this page to view submitted requests to recall a file, payment group, or payments. You can also delete recalls you previously requested, if they have not yet been processed. This page displays all recall requests that have not been processed yet. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 123

124 POST-DELIVERY TASKS What do the columns mean? Recall Type File Details The types of items for which you requested recalls: file, item (payment), or payment group. The file number of the file for which a recall request was submitted, or if a recall request was submitted for a payment or payment group, the file number of the file where it is located. Additional information about the recalled items: For a file, additional information is not provided. For a payment group, this indicates the name of the payment group. For a payment, this includes item number, which is the sequence number identifying the payment, and payee/payor name, value date, amount, and bank/branch/account. For descriptions of the other information, see the filed descriptions in "Viewing a Payment" on page 54. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To refresh the list with the most up-to-date information, click the Refresh button. To delete one or more recall requests, select them and click Delete. A message box prompts you to confirm that you want to delete the selected recall requests. Available only if you are entitled to enter recall requests for this service agreement. Tip: To select all recall requests in the list, select the check box in the column heading. If you click OK in the message box, you delete the selected recall requests. This page reopens, and a message at the top of the page confirms that the selected recall requests have been deleted. If you click Cancel in the message box, you do not delete the selected recall requests. This page does not change. Note: You can view all recall requests on the next business day's DEFR 735 DLS Initiated Recall Audit Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To return to your starting point with service agreements without saving your changes, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 124

125 POST-DELIVERY TASKS CONFIRMING FILES How do I get here? The Confirm a File page opens when you select Payments & Receivables > Electronic Funds Transfer > Post Delivery > Confirm File from the menu. What can I do here? Use the optional file confirmation feature to provide an additional layer of security if you create your payment files with your own software and submit them for processing from another service, such as uploading them from the File Transfer Facility (FTF) service. You use this page to confirm the file content before this service processes the file. This page displays the files that are currently pending confirmation before they are submitted to the system for processing. You can confirm a file on the day you submit it for processing and for the next two business days. After that time, you cannot confirm the file. If you do not want to submit the file for processing, you should recall the file. For details, see "Recalling a File" on page 121. What do the columns mean? File The file number of the file pending confirmation. Processing Status The current status of the file, including the number of confirmations outstanding, and the user IDs of any users who have confirmed the file, if relevant. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 125

126 POST-DELIVERY TASKS Received On Range Number Amount The date and time when the system received the file. A range of payment amounts for the payments in the file. The number of payments for a range of payment amounts in the file. The total dollar amounts of the payments for a range of payment amounts in the file. What do the buttons do? To refresh the files displayed in the list, click the Refresh button. To confirm a file, select it and click Confirm. A message box prompts you to confirm that you want to confirm this file and release it for processing. If you click OK in the message box, the SecurID Challenge page opens, prompting you to authenticate with a SecurID token. For details, see "Authenticating with a SecurID Token in EFT" on page 18. After authentication, the system confirms this file and releases it for processing. This page reopens, and a message at the top of the page confirms that the file has been confirmed. If additional confirmations are required to release this file, the file remains in the list, and this information and the number of confirmations still required is included in the Processing Status column. If you click Cancel in the message box, you do not confirm this file or release it for processing. This page does not change. To return to your starting point with service agreements without saving your changes, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 126

127 INVESTIGATION INVESTIGATION After you submit a payment file to the system for processing, you can investigate released payments and payment files as follows: Trace a released payment. For details, see "Tracing a Payment" on page 127. View the status of a payment files and payments that have been released to the system. For details, see "Viewing File Status" on page 134. TRACING A PAYMENT How do I get here? The Trace Payment page opens when you select Payments & Receivables > Electronic Funds Transfer > Investigation > Trace from the menu. What can I do here? Use this page to trace a payment after it has been submitted to the system for processing. This process has two steps: 1. Selecting the payment to trace. This step is described on this page. 2. Viewing the trace payment details and requesting a manual trace (optional). This step is described on the next page. This page is displayed only if you are entitled to trace payments for this service agreement. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 127

128 INVESTIGATION What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File Select the file number of the payment file where the payment to trace is located. Bank/branch/account Enter the four-digit bank, five-digit branch (transit), and account numbers for the payment to trace. Note: If you have a three-digit bank number, add a zero (0) at the beginning, because this system requires a four-digit bank number. Note about account numbers: The system requires that the account number length (number of digits) is the maximum length for the bank. If necessary, add one or more zeroes (0) at the beginning. For example, if the bank requires an eight-digit account number, and the account number is only seven digits, you must add a zero at the beginning of the account number. Value date You can also enter the day, month, and year of the value date of the payment to trace in the following format: YYYY-MM-DD. Alternatively, click the Calendar icon to select the value date. What does the table mean? The table displays all payments for this service agreement specified by the search criteria above. The search criteria are displayed above the table. When you open the page, only the Search criteria box is displayed. You need to enter search criteria and search to populate the list. What do the columns mean? Payee/payor name The recipient of the debit or credit payment. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Value date Amount Status The value date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). The status of the payment. For a list and descriptions, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 128

129 INVESTIGATION agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To search for a payment to trace by either the file or the bank, branch, and account numbers, and value date (optional), enter this information in the corresponding fields and click Search. Note: If there are no payments that match the search results, the Request Manual Trace page opens. For details, see "Requesting a Manual Trace" on page 132. To trace a payment, select it and click Trace. For details, see "Viewing Trace Payment Details" on page 130. To return to your starting point with service agreements, click Cancel. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 129

130 INVESTIGATION VIEWING TRACE PAYMENT DETAILS How do I get here? The Trace Payment Details page opens when you select a payment to trace on the Trace Payment page and click Trace. For details, see "Tracing a Payment" on page 127. What can I do here? Use this page to trace a payment after it has been submitted to the system for processing. This process has two steps: 1. Selecting the payment to trace. This step is described on the previous page. 2. Viewing the trace payment details. This step is described on this page. If the payment status is Delivered, you can investigate further by requesting a manual trace. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 130

131 INVESTIGATION What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What does the Payment History table mean? This table displays all the actions that occurred for this payment. This section is displayed only if multiple actions have occurred for this payment. Select an action in the table to display additional information about the payment in the Details section below. What do the columns mean? Action The action that occurred for this payment. Original indicates the original payment. Receive/Issue Date The date that the payment was issued or received. Additional Details Additional information about the action that occurred for this payment, including the payment status. For a list and description of statuses, see "Payment Statuses" on page 82. What do the fields in the Details section mean? File The file number of the payment file in which the payment is located. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date Amount The value date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 131

132 INVESTIGATION Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross-reference If applicable, the cross reference for this payment. This enables you to identify the payments within your internal records. Return bank branch account Status The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The status of the payment. For a list and descriptions, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To display detailed payment information for an action in the table, select the corresponding radio button in the Select column. To request a manual trace for this payment, click Manual Trace. For details, see "Requesting a Manual Trace" on page 132. Available only when the selected action in the table has Delivered status, which is displayed in the Additional Details column. To return to the Trace Payment page, where you can select another payment to trace, click Previous. REQUESTING A MANUAL TRACE How do I get here? The Request Manual Trace page opens when: You search for a payment on the Trace Payment page and there are no payments that match the search criteria. For details, see "Tracing a Payment" on page 127. You click Manual Trace on the Trace Payment Details page. For details, see "Viewing Trace Payment Details" on page 130. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 132

133 INVESTIGATION What can I do here? Use the Request Manual Trace page to request a manual trace for a payment after it has been submitted to the system for processing. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. All payment information fields are read only. The type of payment, either Debit or Credit, is displayed at the top of this section. File The file number of the payment file where the payment to trace is located. Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Value date The value date of the payment. Payee/payor name Amount The recipient of the debit or credit payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 133

134 INVESTIGATION Person to contact/phone number/fax number Enter the name of the person to contact, phone number, and fax number (optional). When the manual trace is ready, this person is contacted. What do the link and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To request a manual trace for this payment, click Request Trace. To return to the Trace Payment Details page without submitting a manual trace request, click Cancel. VIEWING FILE STATUS How do I get here? The File Status page opens when you select Payments & Receivables > Electronic Funds Transfer > Investigation > File Status from the menu. What can I do here? Use this page to view the status of payment files after they have been submitted to the system for processing. This page displays all files that have been released in the past six months or where there was activity on the file in the past month. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 134

135 INVESTIGATION What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. What do the columns mean? File The file number that the system assigned to the payment file when it was built. Processing Status The current processing status of the file. This is one of the following: Received On Number Amount Pending Process: The system received and logged the file and has not completed processing it yet. Process Complete: The system completed processing the files. The payments are stored in the system and/or are awaiting delivery. On hold awaiting confirmation: The system received and logged the file, and it is on hold. Relevant only if your company subscribes to the feature enabling and requiring it to verify file totals before processing. Your company must either release the hold on a file or recall it. Otherwise, the system will not process the file, and your company may not be able to create new files. Note: This status may be displayed as "On hold awaiting X confirmations," where X indicates the number of outstanding confirmations required to submit the file for processing. On hold by the bank: The bank has put the file on hold. On hold release required. The file is on hold. Cancelled: Your company cancelled the recall request before the system started processing the file. Cancelled by the bank: The bank cancelled the recall request before the system started processing the file. Recalled: Recalled By the Bank: The bank issued the recall request after the system started processing the file. Recall Issued By the Client: Your company issued the recall request after the system started processing the file. Rejected: The system received and logged the file but then rejected it because of problems with the file. Test files: When your company sends test files, this status indicates that the test process is complete. The date and time when the file was received by the system, after it was submitted to the system for processing. The number of payments in the file, organized by credit payments, debit payments, and rejected payments. The dollar amount of the credit and debit payments in the file, organized by credit payments and debit payments. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 135

136 INVESTIGATION What do the links and button do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To refresh the list with the most up-to-date information, click the Refresh button. To view any rejected payments in a payment file, click the Rejects link. The Payments Rejected by EFT page opens. For details, see "Viewing Payments Rejected by EFT" on page 136. Available only if there are rejected payments in a payment file. VIEWING PAYMENTS REJECTED BY EFT How do I get here? The Payments Rejected by EFT page opens when you click a Rejects link on the File Status page. For details, see "Viewing File Status" on page 134. What can I do here? Use this page to view a list of the payments in a payment file that the system rejected because they do not meet business rule validations, for example, if the transaction type does not match the payment. What does the field mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 136

137 INVESTIGATION entitled to multiple service agreements. What do the columns mean? File Correction Key The file number of the payment file and correction key for the rejected payment. Payee/Payor Name The recipient of the rejected debit or credit payment. Note: The second row indicates the fields with errors, which caused the rejection. Cross Reference Amount The cross reference for the rejected payment. The dollar amount of the rejected payment, as well as the record type of the transaction (CR or DR). Value Date Details The value date of the rejected payment. To view additional information about this payment, click the corresponding Details link. The Payment Details page opens, For details, see "Viewing a Payment" on page 54. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To view additional information about a payment in the table, click the corresponding Details link. For details, see "Viewing a Rejected Payment" on page 138. To view additional rejected payments on this page, click the arrow buttons to scroll back and forth. To return to the File Status page, where you can view the rejected payments for another file, click Previous. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 137

138 INVESTIGATION VIEWING A REJECTED PAYMENT How do I get here? The View Rejected Payment page opens when you click a Details link on the Payments Rejected by EFT page. For details, see "Viewing Payments Rejected by EFT" on page 136. What can I do here? Use this page to view the details of a payment that the system rejected because it does not meet business rule validations, for example, if the transaction type does not match the payment. What do the fields mean? Service agreement The current service agreement. To choose a different service agreement and start working with it, click Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are entitled to multiple service agreements. File The file number of the payment file in which the rejected payment is located. Correction Key The correction key for the rejected payment. Note: A red asterisk indicates the fields that caused the system to reject the payment. Record type The record type for the rejected payment. This is either Credit or Debit. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 138

139 INVESTIGATION Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value Date The value date of the rejected payment. Payee/Payor Name Amount The recipient of the rejected debit or credit payment. The dollar amount of the rejected payment, as well as the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Short name The short name for this payment. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Long name The long name for this payment. Usually this is your company's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Cross Reference The cross reference for the rejected payment. Sundry Info The originator can use this field to further identify the transaction to the payee/payor, e.g. pay period, dividend issue, billing period, insurance policy #, etc. Optional. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Status The payment status of the rejected payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. What do the links and buttons do? To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements. To return to the Payments Rejected by EFT page, where you can view the rejected payments for another file, click Previous. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 139

140 WORKING WITH TRANSITS INVESTIGATION WORKING WITH TRANSITS In the context of the Electronic Funds Transfer service, a transit identifies a client account where payments are delivered to your financial institution: It is the transit number of that client account. When you work with transits, the Electronic Funds Transfer service enables your financial institution to submit return requests for debit and credit payments that have been delivered to your client accounts. You can also trace payments delivered to your financial institution. The payments delivered to your financial institution are available in the service for returns or tracing for 95 days after delivery. You require multiple transits if you are receiving payments to client accounts with multiple transits. Note: To add another transit, contact your bank sales manager. Once the new transit has been added, users with appropriate entitlements can access it. Payments are organized by the transit of account to which the payment was originally delivered. If you have multiple transits, you must select the one to work with at the beginning of each session in this service. For details, see "Selecting a Transit" on page 141. For an overview of the menu and menu items, see "Navigation Quick Reference for Transits" on page 143. When you work with transits, you can perform the following tasks: In the Trace Payments menu, you can trace a payment that has been delivered to your financial institution. For details, see "Tracing a Payment" on page 144. In the Return Payments menu, you can return a payment that has been delivered to your financial institution. For details, see "Returning a Payment" on page 151. Return requests are subject to CPA Recourse specified time frames. All return requests are reported the next business day on the DEFR 710 DLC Initiated Returns Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 140

141 WORKING WITH TRANSITS SELECTING A TRANSIT SELECTING A TRANSIT How do I get here? The Select Transit page opens when: You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to more than one transit. You are already working in this service and you click the Change link next to the transit, if you are entitled to multiple transits. What can I do here? Use the Select Transit page to select a transit for your work in this service. What do the columns mean? Transit The name for the transit. What do the link and buttons do? To work with a service agreement instead of a transit, click Select Service Agreement. If you are entitled to a single service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to at least one service agreement. To select a transit to work with, select it from the list and click OK. The Transit page opens. For details, see "Viewing your Transit" on page 142. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 141

142 WORKING WITH TRANSITS VIEWING YOUR TRANSIT VIEWING YOUR TRANSIT How do I get here? The Transit page opens when: You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to one transit. You select a transit on the Select Transit page and click OK. What can I do here? The Transit page displays information about the transit for your work in this service. What do the columns mean? Transit The name for the transit. What do the link and button do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To work with a service agreement instead of a transit, click Select Service Agreement. If you are entitled to a single service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32. If you are entitled to multiple service agreements, the Select Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to at least one transit. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 142

143 WORKING WITH TRANSITS NAVIGATION QUICK REFERENCE FOR TRANSITS NAVIGATION QUICK REFERENCE FOR TRANSITS This section describes the menus and menu items that are available when working with transits. For information about transits, see "Working with Transits" on page 140. The menus, sub-menus, and menu items described below are available only if both: The feature is specified for this transit. You are entitled to the feature for this transit. Trace Payments menu Opens the Trace page, where you can trace a payment after the system has delivered it to your financial institution. For details, see "Tracing a Payment" on page 144. Return Payments menu Use this menu to return payments and manage return requests. Manage: Opens the Manage Return Requests page, which displays payments that have been delivered to your financial institution for processing. Use this page to create, view, and delete corresponding return requests. For details, see "Managing Return Requests" on page 149. Request List: Opens the Return Request List page, which displays return requests that have not been processed yet. For details, see "Viewing Submitted Return Requests" on page 153. Verify: Opens the Verify Return Requests page, where you can view return requests pending verification and verify return requests. For details, see "Verifying Return Requests" on page 159. Note: Verifying return requests is available and required only if it is specified in your company's transit. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 143

144 WORKING WITH TRANSITS TRACING A PAYMENT TRACING A PAYMENT How do I get here? The Trace Payments page opens when you select Payments & Receivables > Electronic Funds Transfer > Trace Payments from the menu. What can I do here? Use this page to trace a payment after the system has delivered it to your financial institution. This locates a record of the historical payment. This process has two steps: 1. Selecting the payment to trace. This step is described on this page. 2. Viewing the trace payment details. This step is described on the next page. You can trace the payments delivered to your financial institution for 95 days after delivery. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 144

145 WORKING WITH TRANSITS TRACING A PAYMENT This page is displayed only if you are entitled to trace payments for this transit. What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Item trace number The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. Note: You must enter either the item trace number or both the settlement date range and account and amount (optional) for the payment. Settlement date Account Amount The date range to search for the settlement date of the payment to trace. The account number of the recipient of the payment. The dollar amount of the payment (optional). What does the table mean? The table displays all payments for this transit specified by the search criteria above. The search criteria are displayed above the table. When you open the page, only the Search criteria box is displayed. You need to enter search criteria and search to populate the list. What do the columns mean? Originator shortname The short name of the originator of this payment. Settlement date Amount The settlement date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). For returns, the reason code is displayed. Hover over the reason code link to display the description. Comment The status of the payment. For details, see "Payment Statuses" on page 82. What do the links and buttons do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 145

146 WORKING WITH TRANSITS TRACING A PAYMENT To search for a payment to trace by either the item trace number or the settlement date and account numbers, and the amount (optional), enter this information in the corresponding fields and click Search. To view the description of a reason code for a returned payment, hover over the link in the Comment column. To return to your starting point with transits, click Cancel. If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141. If you are entitled to one transit, the Transit page opens. For details, see "Viewing your Transit" on page 142. To trace a payment, select it and click Trace. For details, see "Viewing Trace Payment Details" on page 146. VIEWING TRACE PAYMENT DETAILS How do I get here? The Trace Payment Details page opens when you select a payment to trace on the Trace Payment page and click Trace. For details, see "Tracing a Payment" on page 144. What can I do here? Use this page to trace a payment after the system has delivered it to your financial institution. This process has two steps: 1. Selecting the payment to trace. This step is described on the previous page. 2. Viewing the trace payment details. This step is described on the previous page. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 146

147 WORKING WITH TRANSITS TRACING A PAYMENT What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Item trace number The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment your client is receiving. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date Amount The value date of the payment, and the actual settlement date, if applicable. The dollar amount of this payment, including the currency, as well as the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Long name The long name for this payment. Usually this is your client's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your client's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Cross-reference If applicable, the cross reference for this payment. This enables your client to identify the payments within its internal records. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Return reason The reason that the payment was returned, for example, if the account was NSF. Available only if the payment was returned. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 147

148 WORKING WITH TRANSITS TRACING A PAYMENT Status The payment status of the traced payment. For a list and description of payment statuses, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To return to the Trace page, click Previous. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 148

149 WORKING WITH TRANSITS MANAGING RETURN REQUESTS MANAGING RETURN REQUESTS How do I get here? The Manage Return Requests page opens when you select Payments & Receivables > Electronic Funds Transfer > Return Payments > Manage from the menu. What can I do here? Use this page to return payments that have been delivered to your financial institution for processing. This page is displayed only if you are entitled to return payments for this transit. This page displays all the payments that have been received by the specified transit. Note: For information on verifying return requests, see "Verifying Return Requests" on page 159. For information on viewing return requests that have not been processed yet, see "Viewing Submitted Return Requests" on page 153. You can return the payments delivered to your financial institution for 95 days after delivery. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 149

150 WORKING WITH TRANSITS MANAGING RETURN REQUESTS What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Item trace number The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. Note: You must enter either the item trace number or both the settlement date range and account and amount (optional) for the payment. Settlement date Account Amount The date range to search for the settlement date of the payment to trace. The account number of the recipient of the payment. The dollar amount of the payment (optional). What does the table mean? The table displays all payments for this transit specified by the search criteria above. The search criteria are displayed above the table. What do the columns mean? Originator shortname The short name of the originator of this payment. Settlement date Amount The settlement date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Comment The status of the payment. For details, see "Payment Statuses" on page 82. What do the link and buttons do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To filter the list of received payments by either item trace number or settlement date and account number and amount (optional), enter this information in the corresponding fields and click Search. To return to your starting point with transits, click Cancel. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 150

151 WORKING WITH TRANSITS MANAGING RETURN REQUESTS If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141. If you are entitled to one transit, the Transit page opens. For details, see "Viewing your Transit" on page 142. To delete a return request, select the corresponding received payment and click Delete. For details, see "Deleting a Return Request" on page 157. Available only if: A return request has already been submitted for this payment. The system has not yet sent the return request out of the bank yet, for example, if it is pending verification. To view a return request, select the corresponding received payment and click View. For details, see "Viewing a Return Request" on page 154. Available only if a return request has already been submitted for this payment. To request a return for a payment, select it and click Return. For details, see "Returning a Payment" on page 151. Available only if a return request has not been submitted yet for this payment. RETURNING A PAYMENT How do I get here? The Return a Payment page opens when you select a payment on the Manage Return Requests page and click Return. For details, see "Managing Return Requests" on page 149.You access that page by selecting Payments & Receivables > Electronic Funds Transfer > Return Payments > Manage from the menu. What can I do here? Use this page to return a payment received by your financial institution. You create a corresponding return request and submit it for processing. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 151

152 WORKING WITH TRANSITS MANAGING RETURN REQUESTS What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Settlement date The settlement date of the payment to return. Item trace number Status The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. The status of the return request. Only the Return reason field is editable. All other fields are read only. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment your client is receiving. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date Amount The value date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Long name The long name for this payment. Usually this is your client's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your client's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Cross-reference If applicable, the cross reference for this payment. This enables your client to identify the payments within its internal records. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 152

153 WORKING WITH TRANSITS MANAGING RETURN REQUESTS Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Return reason Select the reason from the list for returning this payment. For a list and description of return codes, see "Returned/Dishonoured Items" on page 27. What do the buttons do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To return to the Manage Return Requests page, click Previous. To return the payment and create a corresponding return request, click Return. A message box prompts you to confirm that you want to return this payment. If you click OK in the message box, you create the return request. The Manage Return Requests page reopens, and a message at the top of the page confirms that the return request has been created. If you click Cancel in the message box, you do not create the return request. The Manage Return Requests page reopens. VIEWING SUBMITTED RETURN REQUESTS How do I get here? The Return Request List page opens when you select Payments & Receivables > Electronic Funds Transfer > Return Payments > Request List from the menu. What can I do here? Use this page to view all return requests that have not been processed yet. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 153

154 WORKING WITH TRANSITS MANAGING RETURN REQUESTS What does the field mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. What does the table mean? The table displays all payments for this transit specified by the search criteria above. The search criteria are displayed above the table. What do the columns mean? Item trace number The item trace number to search for a specific payment for which the return was requested.this number is available in the DEFR 225 report or corresponding file. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To view the return request details, click the corresponding link. For details, see "Viewing a Return Request" on page 154. Cross-reference If applicable, the cross reference for this returned payment. This enables you to identify the payments within your internal records. Originator shortname The short name of the originator of this payment. Settlement date Amount The settlement date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). What do the links and button do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To view an existing return request, click the corresponding link in the Item Trace Number column. For details, see "Viewing a Return Request" on page 154. VIEWING A RETURN REQUEST How do I get here? The View Return Request page opens when: You select a received payment on the Manage Return Requests page, for which a return request has already been created, and click View. For details, see "Managing Return Requests" on page 149. You click a link for a return request on the Return Request List page. For details, see "Viewing Submitted Return Requests" on page 153. You click a link for a return request on the Verify Return Requests page. For details, see "Verifying Return Requests" on page 159. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 154

155 WORKING WITH TRANSITS MANAGING RETURN REQUESTS What can I do here? Use the View Return Request page to view a return request before it is processed. What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Settlement date The settlement date of the payment to return. Item trace number Status The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. The status of the return request. All the fields are read only. Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment your client is receiving. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 155

156 WORKING WITH TRANSITS MANAGING RETURN REQUESTS Value date Amount The value date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Long name The long name for this payment. Usually this is your client's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your client's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Cross-reference If applicable, the cross reference for this payment. This enables your client to identify the payments within its internal records. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Return reason The reason for returning this payment. For a list and description of return codes, see "Returned/Dishonoured Items" on page 27. Entered by The user ID of the user who added this item, and the date and time when it was added. What do the buttons and links do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To return to the previous page, click Previous. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 156

157 WORKING WITH TRANSITS MANAGING RETURN REQUESTS DELETING A RETURN REQUEST How do I get here? The Delete Return Request page opens when you select a return request on the Manage Return Requests page and click Delete. For details, see "Managing Return Requests" on page 149. What can I do here? Use this page to delete a return request before it is processed. What do the fields mean? Transit The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Settlement date The settlement date of the payment to return. Item trace number Status The item trace number for a specific payment. This number is available in the DEFR 225 report or corresponding file. The status of the return request. All the fields are read only. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 157

158 WORKING WITH TRANSITS MANAGING RETURN REQUESTS Payee/payor name The recipient of the debit or credit payment. Transaction type A CPA (Canadian Payments Association) transaction type. This code identifies the type of payment your client is receiving. For a list of supported transaction types, see "Transaction-Type Codes" on page 24. Value date Amount The value date of the payment. The dollar amount of this payment, as well as the currency and the record type of the transaction (CR or DR). Bank branch account The bank, branch and account information for the payment. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. The combination of the bank and the transit is also known as the institutional ID. Long name The long name for this payment. Usually this is your client's name, The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Short name The short name for this payment. Usually this is your client's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Cross-reference If applicable, the cross reference for this payment. This enables your client to identify the payments within its internal records. Return bank branch account The bank, branch (transit) and account information, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. Return reason The reason for returning this payment. For a list and description of return codes, see "Returned/Dishonoured Items" on page 27. Entered by The user ID of the user who added this item, and the date and time when it was added. What do the buttons and links do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To return to the Manage Return Requests page, click Previous. To delete this return request, click Delete. A message box prompts you to confirm that you want to delete this return request. If you click OK in the message box, you delete this return request. The Manage Return Requests page reopens, and a message at the top of the page confirms that the return request has been deleted. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 158

159 WORKING WITH TRANSITS MANAGING RETURN REQUESTS If you click Cancel in the message box, you do not delete the return request. The Manage Return Requests page reopens. VERIFYING RETURN REQUESTS How do I get here? The Verify Return Requests or Return Requests Pending Verification page opens when you select Payments & Receivables > Electronic Funds Transfer > Return Payments > Verify from the menu. What can I do here? Use this page to verify return requests, which submits these requests for processing. You can only verify those records that do not exceed your Data Verification maximum amount limit, which is defined by your company's setup. You cannot verify records that you entered or modified. What do the fields mean? Transit Display The current transit. To choose a different transit and start working with it, click Change. For details, see "Selecting a Transit" on page 141. This link is available only if you are entitled to multiple transits. Specify which return requests to display in the list. Only items I can verify: Displayed only if you are entitled to verify return requests for this transit. If so, this is the default selection. All items pending verification: The list displays all return requests pending verification. If you are entitled to verify return requests for this transit, you can view both requests you can verify and those you entered, which you cannot verify. Note: If you select this or if this is the only item available, the page name is Return Requests Pending Verification. The radio buttons are available only if you are entitled to verify return requests. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 159

160 WORKING WITH TRANSITS MANAGING RETURN REQUESTS What do the columns mean? Select You can verify the selected return requests. To select all return requests in the list, select the check box in the column heading. This check box is available only for return requests that you can verify. Item trace number The item trace number for the returned payment.this number is available in the DEFR225 report or corresponding file. Originator shortname Account Amount Reason Details The short name of the originator of this payment. The account number of the recipient of the payment. The dollar amount of the returned payment, as well as the currency and the record type of the transaction (CR or DR). The reason code for returning this payment. To view the description of a reason code, click the Reason link. For a list and description of return codes, see "Returned/Dishonoured Items" on page 27. To view additional information about a return request, click the Details link. For details, see "Viewing a Return Request" on page 154. What do the links and buttons do? To choose a different transit and start working with it, click Change beside the current transit. For details, see "Selecting a Transit" on page 141. Available only if you are entitled to multiple transits. To toggle between viewing only return requests you can verify (the default selection) and viewing all return requests pending verification, click your selection. Available only if you are entitled to verify return requests for this transit. To view additional information about a return request, click the corresponding Details link. For details, see "Viewing a Return Request" on page 154. To verify one or more return requests, select them and click Verify. Available only if you are entitled to verify return requests for this transit. Note: You can view the accepted returns on the next business day's DEFR 710 DLC Initiated Return Report. For information on reports, refer to the Electronic Funds Transfer Client Manual, which is available from the bank. To return to your starting point with transits without verifying return requests, click Cancel. If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141. If you are entitled to one transit, the Transit page opens. For details, see "Viewing your Transit" on page 142. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 160

161 GLOSSARY MANAGING RETURN REQUESTS GLOSSARY C CPA Canadian Payments Association. E EFT Electronic Funds Transfer service. F FTF File Transfer Facility service. P PIN Personal Identification Number. A secret password shared between a user and the bank that can authenticate the user to the bank. ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 161

162 INDEX INDEX A Add Payment Group page 37 Add Payment page 51 authentication with SecurID 18 Authorize File page 78 B browsers, supported 5 Build File page 76 C computer SecurID soft token downloading 11 importing 14 installation 11 computer SecurID soft token setup overview 11 Confirm a File page 125 Correct a Payment page 87 Correction Request List page 89 correction requests 83 deleting 93 verifying 95 viewing 90 viewing a list of 89 Correction Requests Pending Verification page 95 CPA transaction-type codes 24 D Delete a Correction Request page 93 Delete Payment Group page 45 Delete Payment page 63 Delete Resubmission Request page 108 Delete Return Request page 157 Download Payment page 67 F File Status page 134 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 162

163 INDEX files confirming 125 Forgot Password page 9 G glossary 161 I introduction 4 L lists searching for items in a list 22 M Manage Correction Requests page 84 Manage Payment Groups page 36 Manage Resubmission Requests page 99 Manage Return Requests page 149 Managing Payments page 49 minimum system requirements 5 Modify Payment Group page 42 Modify Payment page 58 Move Payment Select Payment Groups page 69 Move Payment Select Payment(s) page 70 O Online Banking for Business sign in 7 P Password Reset page 9 passwords resetting your own forgotten 9 payment files authorizing 78 building 76 confirming 125 investigating released 127 recalling 121 releasing 80 viewing status 134 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 163

164 INDEX payment groups adding 37 deleting 45 managing 36 modifying 42 recalling step step verifying step 1 72 step 2 73 viewing 39 viewing a summary of payments in 47 payment statuses 82 Payment Summary page 47 payments adding 51 changing the payment amount 61 deleting 63 downloading 67 investigating released 127 managing 49 manually tracing released 132 modifying 58 moving between payment groups, step 1 69 moving between payment groups, step 2 70 recalling step step releasing 76 tracing step step tracing released step step verifying step 1 72 step 2 73 viewing 54 viewing rejected by system 136 viewing rejection details 138 Payments Rejected by EFT page 136 PIN setting up for your SecurID token in EFT 19 post-delivery tasks 82 Q Quick Amount Change page 61 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 164

165 INDEX R Recall Files page 121 Recall Payment Details page 116 Recall Payment Search page 114 Recall Payment Group Select Payment Group page 120 Recall Payment Group page 118 Recall Request List page 123 recall requests 113 files 121 payment groups step step payments 116 viewing a list of 123 received payments returning 151 viewing a list of 149 Register New PIN page 19 rejected payments 83 correcting 87 viewing a list of 84 Release File page 80 Request Manual Trace page 132 Resubmission Request List page 104 resubmission requests 97 deleting 108 verifying 111 viewing 105 viewing a list of 104 Resubmission Requests Pending Verification page 111 Resubmit a Payment page 102 Return a Payment page 151 Return Request List page 153 return requests deleting 157 verifying 159 viewing 154 viewing a list of 153 Return Requests Pending Verification page 159 returned payments 97 resubmitting 102 viewing a list of 99 S search 22 SecurID authentication with 18 setting up a new PIN for EFT 19 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 165

166 INDEX SecurID authentication in this service 17 SecurID soft token download computer 11 SecurID soft token importing computer 14 SecurID soft token installation computer 11 SecurID soft token setup computer 11 SecurID tokens returning 20 SecurID User Authentication page using a new PIN in EFT 19 using an existing PIN in EFT 18 Select Service Agreement page 30 Select Transit page 141 Service Agreement page 32 service agreements navigation overview 34 overview 28 selecting 30 viewing 32 sign in 7 Sign In page 7 supported browsers 5 system requirements 5 T technical requirements 5 Trace Payment Details page for service agreements 130 for transits 146 Trace Payment page 127 Trace Payments page 144 transaction-type codes 24 Transit page 142 transits navigation overview 143 overview 140 selecting 141 viewing 142 Trusteer Rapport 6 V verification statuses 23 Verify Select Payment Group page 72 Verify Correction Requests page 95 Verify Payments and Payment Group page 73 Verify Resubmission Requests page 111 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 166

167 INDEX Verify Return Requests page 159 View Correction Request page 90 View Payment Group page 39 View Payment page 54 View Rejected Payment page 138 View Resubmission Request page 105 View Return Request page 154 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 167

168 Version November 30, 2011 ELECTRONIC FUNDS TRANSFER USER GUIDE PAGE 168