Initializing an Intra-Bank Other Customer Payment

This is a transfer between different accounts owned by different people, but that are administrated by the same bank.

Open the Make a Payment page. The title is dynamic, depending on the account number and amount value, it changes to display the payment schema type. In this case, the title becomes Intra-Bank Other Customer.

Fill in the following fields for a new payment:

Fields	Type	Required	Description
FROM	Lookup	Mandatory	Select the current account from where to send the amount by clicking on the drop-down arrow. HINT The accounts displayed are the accounts for which the user has at least the right to Account Balance & Details. This field is automatically pre-filled with the account number only when the payment was initiated from the Account details page.
Available Balance	Numeric	N/A	This field is displayed after the FROM account has been chosen. It displays the amount available for the specifically chosen bank account.
TO	Lookup	Mandatory	You can: search and select a saved payment template or search and select a saved beneficiary.
Or add new recipient
Account	Text	Mandatory	Insert the destination bank account. In the case of an IBAN: The system validates the format of the IBAN, if the system recognizes the IBAN, it automatically fills in either: both the beneficiary and the beneficiary bank or only the bank name. After the values are displayed, they become read-only. There is a default maximum length available for the Account, 34 characters. The length is set using the script FTOS_IB_GetPaymentFieldsLengthBySchema. See FTOS_IB_GetPaymentFieldsLengthBySchema for details. Depending on the structure of the IBAN, the types of payments are displayed after the amount is inserted. In the case of an account number, there is no validation done on the format of the number.
Beneficiary	Text	Mandatory	Insert the name of the receiver.
Amount	Numeric	Mandatory	Insert the amount you wish to send to the person/company.
Currency	Lookup	Mandatory	The currency of the amount being transferred. For this type of payment, the currency becomes read-only when the account number is inserted.
Execution Date	Date Time	Mandatory	Schedule the payment by selecting a date. From the calendar, the first date available is the current day, followed by the day after and so on up until 90 days, see Processor Settings for details. It excludes the weekend days as well.
Total amount paid in FROM account currency including commissions	Numeric	N/A	This field is read-only. It displays the amount in the currency of the FROM account. If the selected payment currency is different than the currency of the FROM account, then the total amount is calculated with the exchange rates in place at the moment of payment and, then displayed in the currency of the FROM account.
Commissions	Numeric	N/A	This field is read-only. It represents the value of the commissions charged by the bank.
FX Rate	Numeric	N/A	This field is read-only. It represents the value of the exchange rate.
Details	Text	Mandatory	Insert a description for the payment. The maximum length is 70.
Save as Payment Template	Boolean	N/A	By ticking this field, the payment is saved and two new fields are displayed: Payment Template Name and Visible?.
Payment Template Name	Text	Mandatory only if the field Save as Payment Template was ticked.	Insert the name of the payment template.
Visible?	Boolean	N/A	This checkbox marks for the template to be visible to the other users from the business unit. This field has the value true by default. Un-tick it to hide the template.
Save Contact Details	Boolean	N/A	By ticking this field, the beneficiary is saved and two new fields are displayed Beneficiary Template Name and Visible?.
Beneficiary Template Name	Text	Mandatory only if the field Save Contact Details was ticked.	Insert the name of the beneficiary template.
Visible?	Boolean	N/A	This checkbox marks for the template to be visible to the other users from the business unit. This field has the value true by default. Un-tick it to hide the template.

The payment has the status Draft. For details, see Business Workflows Processor.

Click Review Payment. By clicking that button, if applicable, the payment template and the beneficiary template are saved. The page Review Payment Detail is displayed. It contains the read-only data: Payment amount, Total amount paid including commissions, Execution date, Beneficiary account, Beneficiary bank name, Account, Currency, Payment reason, Payment type, Beneficiary name, Payer account. To proceed, click Confirm. To cancel, click Back.
NOTE
If the user who initiated the payment has authorization rights as well, they are able to sign through Strong Customer Authentication.
To sign the payment, an email was sent with a code. To verify the identity of the user, the code must be inserted in the Online and Mobile Banking page. The email address is taken from the database. To verify, click Accept.

A pop-up window is displayed with the message: Please insert the code received in order to authorize the payment of value and currency for a to account the account number. To sign the payment, an email was sent with a code. To verify the identity of the user, the code must be inserted in the Online and Mobile Banking page. The email address is taken from the database. There are six boxes where to insert each letter of the OTP. To verify the OTP inserted, click Authorize.

If the code was not sent, click Re-send code.

If you have trouble seeing the code, click Call me.

If the code inserted was wrong, then the user is directed to the page Wrong authorization code with the following message: You have 4 remaining retries. If you want to try again, click Send. If you want to try again later, select Try again and you will be directed to the Homepage. The payment will remain initiated, and you will be able to sign it for the Order List.

Click Send to reinitiate the signature process.

Click the Try later button to save the payment and re-initiate it from the List of Orders and Multiple Authorizations.

NOTE
For details on how the OTP was configured, see Operation Authorization.
On the confirmation page, the message Your payment has been registered successfully. is displayed. If it is the case to be a joint signature, there is the message The payment has been posted in the Order List for the joint authorized Approver to sign. Click Home to return to the Homepage. The payment Id is in the status Authorized.