1.2 My Payments (Dashboard)

This topic describes the information about My Payments (Dashboard) screen.

The My Payments dashboard offers a user-friendly interface and valuable features for organizing and monitoring payment activities effectively. There different widgets are provided to view real-time status of payments and transactions.

The following are the widgets available on the Payments Overview dashboard:

• Quick Payment
• Summary of Payments
• Favourites
• Recent Payments
• Drafts Toast Message
• Quick Actions

The Quick Payments widget prioritizes the most frequently used payees, making it effortless to make payments to them promptly. It also allows user to add payees.

The Summary of Payments widget provides the user quick view of the number of transactions and total amount done for Incoming and Outgoing payments. User can also see the transactions lying in different stages for Outgoing Payments.

The transactions successfully completed recently are visible under the Recent Payments widget. It allows user to track their outgoing and incoming payments conveniently. The Favourites widget helps user to quickly access transactions which are marked as a Favourite Payments or Demand Drafts and use them as templates to initiate new transactions. This feature is beneficial for users who frequently transfer funds to the same recipients with similar details.

The user can quickly see the saved drafts under Saved Drafts Toast message helping the user to start from where the transaction is left.

Quick Actions widget is available only in mobile to help the user to navigate to the most important transactions quickly.

Note:

The left swipe and Long Press gesture is implemented on mobile and tablets devices.

Swipe gesture - This feature is available on Favourites widget, Recent Payments widget , Incoming and Outgoing Payments Inquiry, Recurring Payments .

Long press gesture - Users can now press and hold down on a screen for an extended duration, which displays additional options or actions. This feature is available on Quick Actions and on payee cards under Manage payees.

Navigation Path:

• From the Dashboard, click Toggle menu, click Menu, then click Transfers & Bill Payments . Under Transfers & Bill Payments , then click Payments .
• From the Search bar, type Payments - Payments and press Enter.

Figure 1-1 My Payments

Description of "Figure 1-1 My Payments "

• Click Make Payment to initiate online payments, system redirects to the Make Payment screen.
• Click on the More Actions to avail following payment related transactions:

• Payees
  • Manage Payees
  • Add Account Payee
  • Add Demand Draft Payee
• Inquiries
  • Outgoing Payments
  • Incoming Payments
  • Recurring Payments
• Favourites and Drafts
  • Favourites
  • Saved Drafts
• Positive Pay
  • Add Positive Pay
  • View Positive Pay
• Multiple Transfers
• Issue Demand Draft
  • Other Transfers
• Debtors
  • Manage Debtors
  • Add New Debtor
  • Request Money

Quick Payments

The Quick Payments widget displays the payees at the top of the dashboard, which help users to save time and avoid the hassle of searching for them each time they need to make a payment. They are listed in the descending order of the number of payments made for that payee. It shows 8 most used payees. Click on the payee, the system redirects to the Make Payments screen to make payment to the selected payee.

Below are the details being displays for each payee:

• Photo/Name Initials
• Nickname
• Bank Name

Note:

For the Bank Name, displays Within Bank in case of Within Bank Transfer, and displays name of the bank if transfer is Domestic or Cross Border.

Click on the Add Payee to add a payee with transfer type as bank account, the Add Bank Account Payee screen appears. The bank account type can be Within Bank or Domestic or Cross Border.

Click on the Show All link to view all the existing payees, the Payees screen appears.

Note:

The Show Alllink will be displayed only when there are more than 8 Payees.

Summary of Payments

This widget is like an innovative way to visually represent incoming and outgoing payments, providing users with a comprehensive overview of their payment’s activity briefly. It depicts both incoming and outgoing payments, with number of payments represented in the form of bar graph. This gives users a clear understanding of the volume and status of payments flowing into and out of their account. The Incoming and Outgoing payments transactions can be filtered on account.

Note:

1. By default summary of the payment is displayed for an account selected as Primary/Favourite Account.
2. On Clicking incoming/outgoing transaction it will redirect to Incoming/outgoing payments inquiry screen respectively.
3. The Multi-Currency link is displayed in case multiple currencies are present. Individual currency breakup to be shown on click of Multi Currency link.
4. On the individual currency breakup, when hovering the mouse over the bar, the status and value of the transaction are displayed. Clicking on the bar will redirect the screen to the Payments Inquiry with filtered records.

The status available for user are:

• In Progress: all the transaction which are under process in host payment processor
• Processed: all the transaction which are completed in host payment processor
• Future Dated: all the transaction which are marked as future dated in host payment processor
• Cancelled: all the transaction which are cancelled in host payment processor
• Reversal Initiated: all transaction which are reversal initiated in host payment processor

By default, the data is displayed as per the current month with dates from 1st of current month to till date. Click on edit icon to modify the date range.

Favorites

This widget helps user to quickly access transactions and use them as templates to initiate new transactions which are marked as a favourite Payments and Demand Drafts. This feature is beneficial for users who frequently transfer funds to the same recipients with similar details. Click on the View All Favourites link to view all the favourite Payments and Demand Drafts.

The information available for Payments:

• Payment Type (Within Bank, Domestic, Cross Border)
• Favourites Name
• Payee
• Debit Account Nick Name, Number (In the format as configured for the entity)
• Amount for which favourite is marked
• Icon to mark the record as Unfavourite, clicking this icon will remove the transaction from the Favourite list
• Quick Pay icon: make payment with all the data as pre-populated as marked in Favourite

The information available for Demand Drafts:

• Draft Type (Domestic/Cross Border)
• Favourite Name
• Draft Favouring
• Debit Account Nick Name, Number (In the format as configured for the entity)
• Amount for which favourite is marked
• Icon to mark the record as Unfavourite, clicking this icon will remove the transaction from the Favourite list
• Quick Pay icon: issue demand draft with all the data as pre-populated as marked in Favourite

Note:

1. Payments tab is shown only if user has access to either Within Bank /Domestic / Cross Border Payments.
2. Demand Drafts tab is shown only if user has access to either Domestic/Cross Border Demand Draft.
3. The Gesture feature on scroll for Remove from Favourite and Pay is available. Users can now swipe to take these actions. This functionality is only supported on mobile devices and tablets.

Recent Payments

This widget displays both incoming and outgoing payments, showing the last 10 recent payments. Clicking on the View All Payments link redirects to the Payments Inquiry screen. Within the Payments Inquiry, there are two different tabs available for Incoming Payments and Outgoing Payments. It shows maximum 10 outgoing/incoming recent payments. Click on the View All Payments link to view all the outgoing/incoming recent payments. User can select the debit account and based on which the payments will be shown.

The information available for Outgoing Payments:

• Account Number
• Payee name Initials/Image
• Initiation Date
• Payee
• Network Code (For Domestic/Cross Border transfers), Within Bank (For Within Bank transfers)
• Bank Code (applicable for only Domestic Bank transfers)
• Host Reference Number
• Amount with currency
• Status badge
• Cancel Payment icon: click to cancel payment processing, redirects to Cancel Payment screen. Cancel payment appears only for transaction for which cancellation is possible. Refer section Payment Cancellation.
• Repeat: on click redirects to Make Payment- New Payee screen with data pre-populated copying this transaction.

The information available for Incoming Payments:

• Direction icon
• Payment Date
• Remitter Name
• Sender's Account Details (Bank Code, Number)
• Host Reference Number
• Credited Amount with currency

Note:

• The Gesture feature on scroll is implemented, allowing users to press and hold on a screen to trigger additional options or actions such as Repeat Payment and Cancel. This functionality is supported on mobile devices and tablets.
• Number of payments shown in mobile/table is maximum 5 for outgoing/incoming recent payments.

Drafts Toast Message

This feature enables users to view draft messages saved in the system as a toast message, allowing them to resume or view drafts directly from there. On click of the Resume option, user is redirected to the Payments screen with data populated from the draft. The view option displays the existing draft inquiry screen.

Note:

1. This will only be displayed if the user has saved any drafts.
2. Resume option will be available if there is only 1 saved draft, for more than 1 saved drafts view option will be available.

Quick Actions (Available only in mobile and tablet)

This widget provides quick actions to the user using which the user can navigate to that transaction quickly. Long press gesture feature is available on the quick actions in addition to single click actions. Below are the actions available.

• Payees
• Make Payment
• Payment Status
• Favourites
• Saved Drafts