Business On Line Payments Plus Guide...Business On Line helpdesk on the below number and request...

November 2014This document is published by Bank of Ireland, and both it, and its’ contents, are the property of Bank of Ireland. This document may not be reproduced or further distributed, in whole or in part, without the express written permission of Bank of Ireland.

Business On Line Payments Plus Guide

November 2014

CSS091993 - Bus online Pay Plus Guide V5.indd 1 21/11/2014 16:22

Page 2 of 23November 2014

Overview

Business On Line Payments Plus (BOL PP) is the channel which will enable you to verify and authorise SEPA Credit Transfer files and authorise SEPA direct debit files which have been uploaded via Business On Line File Gateway or via Connect: Direct. To access this BOLPP channel you will be required to use a Digipass, a security token, which randomly generates single-use security assess codes for Credit Transfer and Direct Debit authorisations and login.

This channel will also provide you with two important reports, the File Rejection Reports and Creditor Settlement Report (for Direct Debits only).

This document was designed in order to assist you using the main functions of BOL PP

Section 1: Access to Business On Line Payments Plus

Section 2: Login/Logout

Section 3: Verifying a Credit Transfer File

Section 4: Authorising a Credit Transfer File

Section 5: Authorising a Direct Debit File

Section 6: Reports-

- File Rejections Report

- Creditor Settlement Report (for Direct Debit Customers only)

Section 7: Cut-Off Times for File Submission

This document is published by Bank of Ireland, and both it, and its’ contents, are the property of Bank of Ireland. This document may

not be reproduced or further distributed, in whole or in part, without the express written permission of Bank of Ireland.


November 2014

Section 1Access to Business On Line Payments Plus


November 2014Page 4 of 23

Section 1: Access to Business On Line Payments Plus

To access Business On Line Payments Plus use the following URL: https://bolpp.bankofireland.com

Technical specifications: BOL PP will be supported by the following:

Operating Systems

Windows version XP service pack 2 / Vista / Windows 7/Windows 8

Apple Mac OS

Browsers

Internet Explorer version 8+

Safari version

Latest versions of Chrome and Firefox

Role of the Administrators:

Administrator 1: Manages the submission of the file to Bank of Ireland via Business On Line File Gateway. This user also manages the download of PAIN.002 messages (the XML format for reporting rejected, returned and refunded direct debits) from the application. Please note details of these rejections will be available in HTML format also.

Administrator 2: Manages the verification (Credit Transfers only) and authorisation of the file on Business On Line Payments Plus. This administrator will also use a Digipass (a security token) to create OTP’s (One Time Passwords) and MAC’s (Message Authentication Codes) in order to authorise and process Credit Transfer andDirectDebit files.

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Overview of Administrator roles:

Step 1: Administrator 1 logs onto Business on Line File Gateway

Step 2: Administrator 1 uploads PAIN001 Credit Transfer Files or PAIN008 XML Direct Debit files

Step 3: Administrator 1 views progress of successfully submitted file

Step 4: Administrator 2 authorises the file on Business on Line Payments Plus using the Digipass

Step 5: (if required) Administrator 1 downloads PAIN002 XML file from Business on Line File Gateway


November 2014

Section 2Login/Logout



Section 2: Login/Logout

Logging on to Business On Line Payments Plus is quick easy and secure. To watch our online demo, please visit:

www.bankofireland.com/business-on-line-payments-plus-demo-login

All you need is your User ID and Digipass.

To receive and activate your Digipass and User ID:

The Digipass is assigned to Administrator (CUA) 2. CUA 2 can request to receive one Digipass per Originator / Creditor ID or request to receive one Digipass to be linked to multiple Originator / Creditor IDs. In addition, an 8 digit Business On Line Payments Plus User ID will be issued by a Bank of Ireland helpdesk operator per Digipass.

CUA 2 can also request to receive additional Digipasses if required. This will permit multiple users access to BOLPP independently. This will ensure that you have sufficient user access for BOLPP during periods of annual leave, thereby improving your internal controls.

Please contact the Business On Line Contact Centre to request the relevant application forms for amalgamating your Originator / Creditor IDs onto an existing Digipass or to request additional Digipass tokens.

Please ring 1890 818 265/ +353 1 4606 445 (option 2) to speak to a member of the Business On Line Payments Plus team. Please have your BOL Profile ID or SEPA Customer ID to hand.

} Bank of Ireland will post out the Digipass token to Administrator 2 as registered on Business On Line Payments Plus.

} Once you receive your Digipass token in the post, Administrator 2 must contact the Business On Line helpdesk on the below number and request your Business On Line Payment Plus User ID number over the phone.

} Quote your Digipass serial number, this can be found at the back of your Digipass.

} The Business On Line helpdesk operator will ask Administrator 2 security questions to authenticate them.

} Once the administrator has been successfully authenticated the helpdesk operator will call out the User ID over the phone. The helpdesk operator will authorise your User ID and only then will it become active.

} This User ID must be securely stored thereafter. This is the User ID number that administrator 2 will always use in order to access and log on Business On Line Payments Plus.



Business On Line Helpdesk:

1890 818 265 (ROI)

0845 309 8123 (NI)

0845 309 8124 (UK)

+353 1 460 6445 (International)

For further information on Digipass, please refer to the Digipass Customer Support Guide at: www.bankofireland.com/business-on-line-payments-plus-help-and-support

Login:

1. First enter your 8 digit User ID. This is the 8 digit User ID you received from Bank of Ireland over the phone.



2. Next enter the last 4 digits of your Digipass serial number into the ‘Digipass ID’ field.

3. These can be found at the back of your Digipass. You do not need to include the hyphen.

Note: if you make a mistake at any stage using the Digipass, simply press the ‘C’ button to cancel an option or delete 1 character.

6. Enter your PIN and press the green button. Remember to always keep this PIN confidential.

7. A message ‘SELECT: I OR S’ is displayed on the screen.

8. Press the blue ‘I’ button once and ‘LOGON’ is displayed.

9. Press the green button to continue.

10. A 6 digit One Time Password (OTP) is displayed on the screen. Enter this code into the password field on the BOLPP login screen.

11. Click ‘Login’ to enter the system.

12. The ‘Authorise File Screen’ is the first page you will see.

4. To generate your password you will need to use your Digipass.

5. Turn it on by pressing the red button. You will be asked to enter your PIN. This is the five digit code generated by you when you received your Digipass.

Logout:

To Logout at any stage click the ‘Logout’ button on the top right hand side of your screen.


November 2014

Section 3Verifying a Credit Transfer File



Section 3: Verifying a Credit Transfer File

To verify a file on Business On Line Payments Plus which you have previously uploaded via

Business On Line File Gateway, please follow the instructions below.

Note a complete file must be verified, a single batch within a file cannot be verified.

To watch our online demo, please visit:

www.bankofireland.com/business-on-line-payments-plus-demo

1. Logon to Business On Line Payments Plus. (see section 2)

2. Select the Originator ID you want to use in order to view the file details and verify the file. If you have requested that more than one Originator ID to be linked to your digipass and associated User ID, you will see a list of all the Originator IDs. Your Credit Transfer Originator ID will be 6 digits long.



This will display a list of files available for verification

4. Select the ‘File Id’ of the file you wish to verify.

You can see the following fields to assist you choosing the correct file:

} File Creation Date and Time

} File ID

} File Name

} File Value €

} Transactions per File



Note: If your file does not appear on this list, it may have failed XSD format check. Your file must adhere to the XML file format. Please review your file format and resubmit your file via Business On Line File Gateway.

5. To verify your file you will need to use your Digipass.

6. Turn it on by pressing the red button.

7. You will be asked to enter your PIN. This is a 5 digit code generated by you when you received your Digipass.

8. Enter your PIN and press the green button.

9. A message ‘SELECT I OR S’ is displayed on the Digipass screen.

10. Press the blue ‘I’ button twice. ‘VERIFY’ is displayed on your Digipass screen.


12. ‘HASH’ is displayed on your Digipass screen.

13. Input the first 8 digits of the Hash Value that you have generated from the Hashtab software. You will need to input the first 8 digits for your Credit Transfer file. You will need to have previously installed software that will allow you to view your files unique ‘Hash SHA- 512 value. You can freely download and install the ‘Hash Tab’ software from the Business On Line Payments Plus Homepage.

Once you have downloaded the software, right click on your file that you have stored on your share drive and select Properties and then select File Hashes, you will then be presented with the full Hash Value. Please record the file 8 digits on this Hash Value and enter it into the Digipass token.

14. Press the green button.

15. A Message Authentication Code (MAC) is displayed on the Digipass.

Note: A MAC is a randomly generated, single-use, security code.



16. Enter this code into the’ Message Authentication Code (MAC)’ field on the webpage, click Verify.

17. A confirmation screen will be displayed that you can print for your records.

We highly recommend that you print this page for Audit purposes.

November 2014


November 2014

Section 4Authorising a Credit Transfer File



Section 4: Authorising a Credit Transfer File

To Authorise a Credit Transfer file on Business On Line Payments Plus which you have previously Verified on Business On Line Payments Plus please follow the instructions below.

Note: If your file contains ‘batches’, it is not possible to authorise the batches individually. The entire file must be authorised.

To watch our online demo, please visit: the Business On Line Payments Plus Homepage


2. Select the Originator ID you want to use in order to view the file details and authorise the file.

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3. This will display a list of files available for authorisation.

4. Select the ‘File Id’ of the file you wish to authorise.



} File ID

} File Value €


Note: If your file does not appear on this list, it may have failed processing. Further details will be made available in the File Rejections Report.



November 2014

Troubleshooting!

a. If your file has left Business On Line File Gateway successfully but is not listed in the File Rejection Report, there may be an issue with the Originator ID

Please contact the Business On Line Customer Helpdesk to resolve.

b. After you have submitted your file via BOLFG, There are a number of reasons why this may have happened. Please see the Business On Line File Gateway Guide for details on why files may fail up-load, visit: www.bankofireland.com/business-on-line-payments-plus-help-and-support

5. Details of the files selected are displayed for your review.

Please review the following fields carefully to ensure you are authorising the correct file:

} Value Date

} Batch ID,

} Originator IBAN,

} Batch Value €

} Transactions per Batch

6. Click Continue to progress onto the next stage.

7. View the File Summary details and if you have confirmed that the details are correct and in order please select ‘Authorise Now’.



8. A Confirmation screen will be displayed that you can print for your records.

We highly recommend that you print this page, as once the file proceeds to Bank of Ireland for processing, you will not be able to view it again in BOL PP. This Screen will display:

} FILE ID: The file ID which has been authorised.

} DATETIME: The Date and Time when authorised.

} NUMTRANS: The number of Transactions authorised in the file.

} VALUE €: The value of the file in Euro.

} User: The 8 digit User ID will also be displayed.


November 2014

Section 5Authorising a Direct DebitFile



Section 5: Authorising a Direct Debit File

To Authorise a Direct Debit file on Business On Line Payments Plus which you have previously uploaded via Business On Line File Gateway, please follow the instructions below.

Note a complete file must be authorised, a single batch within a file cannot be authorised.

To watch our online demo, please visit: the Business On Line Payments Plus Homepage


2. Select the Originator ID/ Creditor ID you want to use in order to view the file details and authorise the file. If you have requested that more than one Originator/ Creditor ID to be linked to your digipass and associated User ID, you will see a list of all the Originator ID’s. Your Direct Debit Originator ID/ Creditor ID will be 13 digits long.



3. This will display a list of files available for authorisation.

Select the ‘File Id’ of the file you wish to authorise.



} File ID

} File Value €




Troubleshooting!

a) Note: If your file does not appear on this list, it may have failed processing. Further details will be made available in the File Rejections Report.

b) For more information on the File Rejections Report, visit our Direct Debit Creditor Reports Guide at:

www.bankofireland.com/business-on-line-payments-plus-help-and-support

c) If your file has left Business On Line File Gateway successfully but is not listed in the File Rejection Report, there may be an issue with the Originator/Creditor ID (CID)

d) Please contact our Business On Line helpdesk to resolve.

The file may not have left Business On Line File Gateway and has failed upload. There are a number of reasons why this may have happened. Please see the Business On Line File Gateway Guide for details on why files may fail up-load, visit: www.bankofireland.com/business-on-line-payments-plus-help-and-support

4. Details of the files selected are displayed for your review.

Please review the following fields carefully to ensure you are authorising the correct file:

} File ID,

} Value Date

} Batch ID,

} Originator IBAN,

} Batch Value €

} Transactions per Batch



5. Click Continue to progress onto the next stage.

6. To authorise your file you will need to use your Digipass.

7. Turn it on by pressing the red button.

8. You will be asked to enter your PIN. This is a 5 digit code generated by you when you received your Digipass.

9. Enter your PIN and press the green button.

10. A message ‘SELECT I OR S’ is displayed on the Digipass screen.

11. Press the blue ‘S’ button once. ‘AUTHORISE’ is displayed on your Digipass screen.


13. ‘DATETIME’ is displayed on your Digipass screen.

14. Input the first value shown on the Authorise File webpage and press the green button.

15. ‘NUM TRANS’ is displayed on your Digipass screen.



16. Input the second value shown on the Authorise File webpage and press the green button.

17. ‘VALUE’ is displayed on your Digipassscreen.

18. Input the third value shown on the Authorise File webpage and press the green button.

19. A Message Authentication Code (MAC) is displayed on the Digipass.

Note: A MAC is a randomly generated, single-use, security code for direct debit file authorisation.

20. Enter this code into the’ Message Authentication Code (MAC)’ field on the webpage, click Authorise.



21. A confirmation screen will be displayed that you can print for your records.

We highly recommend that you print this page, as once the file proceeds to Bank of Ireland for processing, you will not be able to view it again in BOL PP. This Screen will display:

} FILE ID: The file ID which has been authorised.

} DATETIME: The Date and Time when authorised.

} NUMTRANS: The number of Transactions authorised in the file.

} VALUE €: The value of the file in Euro.

} User: The 8 digit User ID will also be displayed.


November 2014

Section 5Reports



Section 5: Reports

There are two important reports available on Business On Line Payments Plus, the File Rejections Report and the Creditor Settlement Report. (for Direct Debits only)

To watch our online reports demo, please visit: www.bankofireland.com/business-on-line-payments-plus-demo

For further detailed information on reports, refer to our Direct Debit Creditor Reports Guide at:

www.bankofireland.com/business-on-line-payments-plus-help-and-support

File Rejections Reports:

The File Rejections Report is a report generated when a PAIN008 or a PAIN001 file fails pre-processing validation checks. The report will highlight the reason for the file failure. To access the File Rejections Report:

A. Logon to Business On Line Payments Plus using your User ID and Digipass.

B. Select the Originator ID you want to use in order to view the file rejections report that particular Originator ID.

C. Click on ‘File Rejections Reports’ under the Reports Tab, to view all files which have failed initial validation.



D. Click on ‘File Rejections Reports’ under the Reports Tab, to view all files which have failed initial validation.

You will view; File Creation Date and Time, File Id, File Value € and Transactions per File to assist you choosing the correct file.



E. File failure reasons are displayed with the option to print.



The following table is a listing of pre-processing validation error messages on SEPA Direct Debit files. If your file has failed any of these checks, the File Rejection Report will detail one or more of the following error messages.

Reason Text Reason Description

File Error Error with Creditor IBAN, either incorrect IBAN used, or IBAN is not registered for your Creditor ID.

File Error This is a duplicate file. Please review your file and re-submit.

File Error File Error, please check number and value of transactions and the IDs at file and batch level.

File Error Incorrect code/value used at transaction level.

File Error You have exceeded your Credit Control Limit or maximum file limit. Please review your file and re-submit or contact your relationship manager.

File Error An error was encountered with your file. Please review your file and re-submit or contact your relationship manager.

File Error The nominated account number is not registered under this Creditor ID or there are inconsistent Originator Creditor IDs present on this file.



Creditor Settlement Report:

The Creditor Settlement Report is a report used only by Direct Debit Originators. Unpaid transactions are presented on the creditor account in the form of a bulk debit and the Creditor Settlement Report provides a breakdown of this bulk debit. The report contains the settlement date of the bulk debit, the creditor name, the creditor IBAN and details the R-messages that make up the bulk debit.

The Creditor Settlement report is available under the Reports tab on Business On Line Payments Plus.

A. Logon to Business On Line Payments Plus using your User ID and Digipass.

B. Select the Originator ID you want to use in order to view the file details and authorise the file. If you have requested that more than one Originator ID to be linked to your digipass and associated User ID, you will see a list of all the Originator ID’s. Your Direct Debit Originator ID/ Creditor ID will be 13 digits long.

C. Click on ‘Creditor Settlement Report’ under the Reports Tab.



D. Select the IBAN and date (month and year) you wish to view on your report. Once selected, click ‘continue’.

E. A list of reports will be displayed ordered by date in the selected time period. Click on a date to view the breakdown of the bulk debits for that particular day.



F. These details can be printed or exported as a CSV file.



Section 6: Cut-Off Times for file Submission on Business On Line Payments Plus

You must submit your direct debit files according to these timelines:

D-6: First Time (FRST)/One off (OOFF) collections must be issued and authorised for processing at the latest by 3:30pm 6 days before the due date.

D-3: Recurring (RCUR)/Final (FNAL) collections must be issued and authorised for processing at the latest by 3:30pm 3 days before the due date.

(Where D = settlement/collection date).

Monday Tuesday Wednesday Thursday Friday Saturday Sunday

1 2 3 4 5

6 7 8 9 10 11 12

13 14 15 16 (D-6) 17 18 19

20 21 (D-6) 22 23 24 (D) 25 26

27 28 29 30 31

* Where D = settlement/collection date. ** Provided no weekday occurs which is designated as a non-processing day (i.e. Irish Bank Holiday, Christmas Day, New Years day etc) *** Files may be submitted up to 30 calendar days in advance.

We highly recommended you start your file submission as early as possible in order meet this deadline, files submitted after 3.30pm may not be accepted.

Credit Transfer Customers

You must submit your Credit Transfer files according to these timelines:

D-1: Credit Transfer Files must be issued and authorised for processing at the latest by 3:30pm 1 Business day before the due date.

This document is for information purposes only and no guarantee or warranty is given in respect of the accuracy or completeness of this document, or its’ content, which are subject to change. Bank of Ireland accepts no liability for any losses howsoever arising in reliance on this document or its content.


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