Initializing a SEPA Instant EUR Payment

1. Open the Make a Payment page. The title is dynamic, depending on the amount value, and it changes to display the payment schema type, in this case, SEPA Instant EUR.
2. 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 for Account Balance & Details according to . This field is automatically pre-filled with the account number only when the payment is initiated from the Account details page.
   Available Balance	Numeric	N/A	This field is displayed once the FROM account has been chosen. It displays the amount of funds 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: Depending on the structure of the IBAN, the types of payments are displayed. The system validates the format of the IBAN, if the system recognizes the IBAN, it automatically fills in the Beneficiary field and the Beneficiary Bank. After the values are displayed, they become read-only. There is a default maximum length available for the account. The length is set using the script FTOS_IB_GetPaymentFieldsLengthBySchema. See for details. In the case of an account number, there is no validation done on the format of the number. When the account number is inserted, the type of payment is determined and the title of the page changes to display the name of the type of payment schema.
   Beneficiary	Text	Mandatory	Insert the name of the person who is the receiver. Insert the name of the actual beneficiary in the case of sending funds to a company.
   Ultimate Beneficiary	Text	N/A	Insert the name of the beneficiary.
   Beneficiary Bank	Text	N/A	Insert the name of the bank. After the IBAN is inserted in the Account field, this field is automatically filled in. The bank is identified using the IBAN (B, C, D, E, F, G, H, I, J cases) or the BIC/SWIFT code for case A.
   BIC or SWIFT	Text	N/A	Insert the code BIC or SWIFT. After the IBAN is inserted in the Account field, this field is automatically filled in.
   Country	Text	N/A	Insert the country of the beneficiary bank. After the IBAN is inserted in the Account field, this field is automatically filled in.
   Amount	Numeric	Mandatory	Insert the amount you wish to send to the person/company. Depending on the amount the title of the page changes to display the payment schema.
   Currency	Lookup	Mandatory	The currency of the amount being transferred.
   Total amount paid in FROM account currency including commissions	Numeric	N/A	It is read-only. It is displayed in the currency of the account from which the sum is sent. 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 displayed in the currency of the FROM account.
   Commissions	Numeric	N/A	The value of the commissions charged by the bank.
   FX Rate	Numeric	N/A	The value of the exchange rate.
   Execution Date	Date Time	Mandatory	Schedule the payment by selecting a date. From the calendar only 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.
   Category purpose	Option set	N/A (Mandatory only for the Local currency Instant Payments)	Select for the drop-down list, the purpose of payment. The values here are found in the entity FTOS_IB_PaymentCategory.
   Payment Type & Fees	Option set	N/A	This is a list with the type of payments available, the settlement date and the fee the bank charges. The fee is displayed in the currency of the FROM account. Choose the option SEPA Instant EUR- yyyy-mm-dd- fee.
   Details of charges	Option set	Mandatory	Choose between: SHA The user pays the bank's outgoing transfer charge. The beneficiary bank receives the payment minus the correspondent (intermediary) bank charges. OUR The user pays all transfer charges.. BEN The user does not pay any charge. The beneficiary bank receives the payment minus all transfer charges. Available for SWIFT payments only.. This field is automatically filled in when a selection was done previously for the field Payment type and fee. SHA value pre-selected and it is not editable.
   Ultimate payer It represents the company, authorised withholding agent, qualifying intermediary or other person from whom a relevant distribution, or an amount or other asset representing a relevant distribution, is receivable by the person beneficially entitled to the distribution	Text	N/A	Insert the name of the payer.
   Details	Text	Mandatory	Insert a description for the payment such as an invoice number.
   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 Initiated. For details, see Business Workflows Processor.

3. 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. If not the flow continues as described in .

4. 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 of a Payment.

   NOTE  
   For details on how the OTP was configured, see Operation Authorization.

5. 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 has the status Authorized.