2.2.1 Add Account Payee - Domestic Account

This topic describes the systematic instruction to Add Account Payee - Domestic Account screen.

A domestic account transfer is one which involves the transfer of funds to an account that is held with another bank within the same country or politically united region.

Within Bank transfers enable users to initiate domestic payments without selecting the network manually. The system automatically identifies whether the payee belongs to the same bank using configured rules and APIs, and applies appropriate processing, validation, and UI behavior based on network configuration and grouping.

Note:

Bank can configure the network groups through backend as per the requirement of the specific region and based on the available APIs. (For example: if API is available to check on-us payee/bank code. They can configure within bank as part of another network, provided fields required are same for both). Refer the network groups created in case of UK payments.

1. From the Add Account Payee screen, select the payee type to specify the details.
   1. Click Domestic to specify the details on domestic payee.
      For more information on network group, refer the field description table.

      Table 2-3 Add Payee – Domestic - Field Description

      Field Name	Description
      Payee Type	Select Domestic as Payee Type.
      Network Group	Select type payment network group from the list. The options ate: Within Bank and FPS CHAPS SEPA Note: Network groups are configurable through the backend. This is an example for UK payments.

   2. Click on Cross Border to specify the details on cross border payee.
2. Select the Payee Type as Domestic, and then choose the required network group.
   1. Click Within Bank and FPS from the network group and specify the required details.
      The Add Account Payee_Domestic_Within Bank and FPS screen is displayed.

      Figure 2-8 Add Payee – Domestic Account - Within Bank and FPS

      
      

      
      Description of "Figure 2-8 Add Payee – Domestic Account - Within Bank and FPS"

      
      

      Note:

      The below field description is not country specific and is given for general information. Fields will be populated based on the country/region fields configuration for Domestic Bank Account.

      Note:

      The fields which are marked as Required are mandatory.

      Note:

      Within-bank payees cannot be created from non within bank network groups. OBPM validation (Sort Code/IFSC/BIC) applies to payments, bulk uploads, and payee maintenance.

      For more information on fields, refer to the field description table.

      Table 2-4 Add Payee – Domestic - Within Bank and FPS - Field Description

      Field Name	Description
      Payee Type	Select Domestic as Payee Type.
      Network Group	Select type payment network group as Within Bank and FPS. Note: Network groups are configurable through the backend. This is an example for UK payments.
      Account Details	Information specified in below fields are related to account details.
      Account Type	Select the type of account associated with the payee. The available options are: Personal Account Business Account
      Account Number	Specify the account number of the payee.
      Confirm Account Number	The user is required to re-enter the payee’s account number in this field.
      Beneficiary Account Name	Enter the name of the payee as maintained against the payee’s bank account.
      Reference	Specify a reference to help identify the payee or transaction.
      Bank Details	Displays the bank information based on the entered sort code.
      Sort Code	Specify the sort code of the beneficiary bank and tab out to display the bank details.
      Bank Address	Displays the address of the beneficiary bank based on the entered sort code.
      Change Sort Code	Click this hyperlink to modify the entered sort code.
      Verify & proceed	Click this button to validate the specified details and proceed to the personal information section.
      Personal Details	Information specified in below fields are related to personal details.
      Upload Photo	Select this option to upload a profile photo against the payee. Following actions are available on the + icon: Upload – Browse and upload the profile picture. Choose Avatar - Select initials pattern profile picture or picture from suggestions. Remove - Removes the profile picture uploaded. This option will only appear if no photo has been uploaded against the payee. Note: The maximum allowable image size is 1MB, and the accepted formats are limited to JPG and PNG. Once a photo is uploaded against the payee, click on the + icon and select Upload/Choose Avatar to update the profile picture.
      Nickname	Specify a nickname to be assigned to the specific account of the payee for the purpose of easy identification.
      Email ID	Email addresses of the payee. Note: This field is provided simply as a base product feature and will be available to send across to the backend Payments Processor during posting a payment. There will be no notifications sent to the payee on this email address by OBDX. Doing any processing of this field would be an implementation time activity.
      Additional Details	Information specified in below fields are related to additional details.
      Access Type	Specify the access type to be assigned to the payee. The options are: Public Private
      Primary Party	The primary party associated to the user. The primary party users will always have access to the payee if it’s Public. .
      Accessible to Parties	Accessible parties associated to the user. During payee creation a corporate user can define the parties within his GCIF to whom this payee will be accessible if the payee is public. The primary party users will always have access to the payee if it’s Public.

   2. Click CHAPS from the network group and specify the required details.
      The Add Account Payee - Domestic - CHAPS screen is displayed.

      Figure 2-9 Add Account Payee - Domestic - CHAPS

      
      

      
      Description of "Figure 2-9 Add Account Payee - Domestic - CHAPS"

      
      

      Note:

      The below field description is not country specific and is given for general information. Fields will be populated based on the country/region fields configuration for Domestic Bank Account.

      Note:

      The fields which are marked as Required are mandatory.

      For more information on fields, refer to the field description table.

      Table 2-5 Add Payee – Domestic - CHAPS - Field Description

      Field Name	Description
      Payee Type	Select Domestic as Payee Type.
      Network Group	Select type payment network group as CHAPS. Note: Network groups are configurable through the backend. This is an example for UK payments.
      Account Details	Information specified in below fields are related to account details.
      Account Type	Select the type of account associated with the payee. The available options are: Personal Account Business Account
      Account Number	Specify the account number of the payee.
      Confirm Account Number	The user is required to re-enter the payee’s account number in this field.
      Beneficiary Account Name	Enter the name of the payee as maintained against the payee’s bank account.
      Reference	Specify a reference to help identify the payee or transaction.
      Verify Account	Select this to verify the account mentioned.
      Bank Details	Displays the bank information based on the entered sort code.
      Sort Code	Specify the sort code of the beneficiary bank and tab out to display the bank details.
      Bank Address	Displays the address of the beneficiary bank based on the entered sort code.
      Change Sort Code	Click this hyperlink to modify the entered sort code.
      Verify & proceed	Click this button to validate the specified details and proceed to the personal information section.
      Personal Details	Information specified in below fields are related to personal details.
      Upload Photo	Select this option to upload a profile photo against the payee. Following actions are available on the + icon: Upload – Browse and upload the profile picture. Choose Avatar - Select initials pattern profile picture or picture from suggestions. Remove - Removes the profile picture uploaded. This option will only appear if no photo has been uploaded against the payee. Note: The maximum allowable image size is 1MB, and the accepted formats are limited to JPG and PNG. Once a photo is uploaded against the payee, click on the + icon and select Upload/Choose Avatar to update the profile picture.
      Nickname	Specify a nickname to be assigned to the specific account of the payee for the purpose of easy identification.
      Email ID	Email addresses of the payee. Note: This field is provided simply as a base product feature and will be available to send across to the backend Payments Processor during posting a payment. There will be no notifications sent to the payee on this email address by OBDX. Doing any processing of this field would be an implementation time activity.
      Country	Specify the country where the payee’s is located.
      Address	Enter the payee’s address. Address Fields are displayed as per the configuration. Refer Chapter: Regulatory Changes for Cross-Border Payments – MT to MX Migration Enhancements.
      Additional Details	Information specified in below fields are related to additional details.
      Access Type	Specify the access type to be assigned to the payee. The options are: Public Private
      Primary Party	The primary party associated to the user. The primary party users will always have access to the payee if it’s Public. .
      Accessible to Parties	Accessible parties associated to the user. During payee creation a corporate user can define the parties within his GCIF to whom this payee will be accessible if the payee is public. The primary party users will always have access to the payee if it’s Public.

   3. Click SEPA from the network group and specify the required details.
      The Add Account Payee - Domestic - SEPA screen is displayed.

      Figure 2-10 Add Account Payee - Domestic - SEPA

      
      

      
      Description of "Figure 2-10 Add Account Payee - Domestic - SEPA"

      
      

      Note:

      The below field description is not country specific and is given for general information. Fields will be populated based on the country/region fields configuration for Domestic Bank Account.

      Note:

      The fields which are marked as Required are mandatory.

      For more information on fields, refer to the field description table.

      Table 2-6 Add Payee – Domestic - SEPA - Field Description

      Field Name	Description
      Payee Type	Select Domestic as Payee Type.
      Network Group	Select type payment network group as SEPA. This field is displayed only when the Payee Type is selected as Domestic.
      Account Details	Information specified in below fields are related to account details.
      Account Number (IBAN)	Specify the International Bank Account Number (IBAN) of the beneficiary account.
      Confirm IBAN	Re-enter the IBAN to confirm the beneficiary account details.
      Beneficiary Account Name	Enter the name of the payee as maintained against the payee’s bank account.
      Verify & proceed	Click this button to validate the specified details and proceed to the personal information section.
      Personal Details	Information specified in below fields are related to personal details.
      Upload Photo	Select this option to upload a profile photo against the payee. Following actions are available on the + icon: Upload – Browse and upload the profile picture. Choose Avatar - Select initials pattern profile picture or picture from suggestions. Remove - Removes the profile picture uploaded. This option will only appear if no photo has been uploaded against the payee. Note: The maximum allowable image size is 1MB, and the accepted formats are limited to JPG and PNG. Once a photo is uploaded against the payee, click on the + icon and select Upload/Choose Avatar to update the profile picture.
      Nickname	Specify a nickname to be assigned to the specific account of the payee for the purpose of easy identification.
      Email ID	Email addresses of the payee. Note: This field is provided simply as a base product feature and will be available to send across to the backend Payments Processor during posting a payment. There will be no notifications sent to the payee on this email address by OBDX. Doing any processing of this field would be an implementation time activity.
      Additional Details	Information specified in below fields are related to additional details.
      Access Type	Specify the access type to be assigned to the payee. The options are: Public Private
      Primary Party	The primaryparty associated to the user. The primary party users will always have access to the payee if it’s Public. .
      Accessible to Parties	Accessible parties associated to the user. During payee creation a corporate user can define the parties within his GCIF to whom this payee will be accessible if the payee is public. The primary party users will always have access to the payee if it’s Public.

3. Perform one of the following actions:
   1. Click Cancel to discard the details.
   2. Click Submit to submit the details.