Creditors

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Creditor list

The Creditor list we refer to here is your database where you could either manually capture all your beneficiaries’ bank details, account name, and reference, etc, or this could be captured using a file upload via our converter too,l which is an Excel file that gets uploaded or using integration through certain software.

Filter and search options
Add a new creditor to your Creditor list
Editing creditors in your Creditor list

1. Filters and search options

Creditors in your Creditor list are grouped in grid form on the Manage Creditor List screen. Each column in the list is sortable by clicking on the heading. Sorting can be ascending or descending. Click once for ascending, and click again for descending. By sorting, all pages of your Creditor list are sorted. Filters allow you to work with specific data in your Creditor list.

The filter by group button will allow you to work with creditors in a specific group. Once selected, click on the down arrow and select the group from the list provided. The filter by status button allows you to work with creditors in a specific status, which includes Active, Inactive & Deleted.

The search function allows you to look for a specific Creditor list entry/entries by inserting the Account reference, Account name, and Bank or Bank account number:

Click on the Search
Select the Search where criteria by clicking on the Down arrow
Type your search request data in the is like field
Click on the Search

The Download button allows you to export the data in various export formats, these include XML, CSV, PDF, MHTML, Excel, TIFF & Word. The CSV button allows you to download all fields in the Creditor list; this includes all containers in the edit/add Creditor list screen. CSV files usually open in Excel, and all data will appear in column 1.

Should you require each field to appear in a separate column, then do the following:

Select column A.
Click on Data, Text to columns.
Click on Next, Delimiters – Tab.
Click on Finish.

Add the creditor button; this is your starting point to add a creditor to your Creditor list.

2. Add a new creditor to your Creditor list

Once you have navigated to > Services > Payments > Creditors > Creditor list, you will be provided with the following options:

Click the Add Creditor button on the top right side of the screen.

You will be prompted to insert the following information:

Account reference
Account name
Payment amount
Creditor statement reference
Click on Submit.

Adding the beneficiary’s banking details

Pay to a Bank account

Select the Bank account option.
Click on the Bank account details tab below the Account details.
You will be prompted to insert the following information:
1. Bank account name
2. Bank account number
3. Branch Code
4. Bank account type
5. Click on Submit.
Bank account details will be validated before they can be saved

Note: Insert ID number if you would like to verify bank account details.

Pay to a Public recipient

Select the Public recipient option.
Type in the recipient’s name and select the relevant Public recipient from the drop-down list.
Click on submit.
Please note that it is important to ensure that the statement reference inserted for a Public recipient is in accordance with the specific requirements they have indicated. Failure to do so may result in the payment being rejected when processed, incurring possible penalties for late payment.

Note: Bank account AVS is not available for Public recipients

The Bank account number displayed for a Public recipient is an identifier ID used for processing and not the Bank account number of the Public recipient.
Public recipient payments are processed as Sameday payments only.

3. Editing creditors in your Creditor list

Editing clients in your Creditor list, as well as other optional fields to store creditor information, including:

Account details

Active: When you added your creditor to the Creditor list and clicked “active
Delete: You can tick delete if a creditor has cancelled with you. This creditor will be moved under your deleted status
Edit: This option allows you to make changes to the details you have previously captured
View change history: You can see which system user made the last change to the details captured

Bank account

Submit AVS: This function allows you to do account verification if you have the Risk Reports service active
Edit: This option allows you to make changes to the details you have previously captured
View change history: You can see which system user made the last change to the details captured.

Account grouping

Groups: you can add creditors in groups according to your payment needs, such as specific payment dates,
Edit: You can edit the group or the creditor in the group
Change History: Click on the View change history tab to view changes to the grouping for this creditor (added, removed, or amended)

Notifications

Email history: This should show the history of all the notification emails sent to the creditor for their payments
SMS history: This should show the history of all the notification SMS sent to the creditor for their payments.

Transaction history

Transaction History will list all payments processed to this creditor.
Take note of the status of the payment notification.
Click on the printer icon next to the relevant transaction to download the Payment notification in PDF
Alternatively, click on Resend POP to email the payment notification to the creditor.
The email address will default to the one recorded for the recipient, but it can be amended if necessary. If no email address is recorded, one may be manually entered.
To view the full transaction history for a creditor, click on the View Full History option.

Once off payment

The once-off payment option is exactly that, when you are only want to pay one beneficiary as a once-off. This means that the beneficiaries details do not need to be stored in your Creditor list first; however, once the payment is captured, it then adds the beneficiary details as an entry in the Creditor list. The reason for using the once-off and not first creating your beneficiary details as an entry and then creating a creditor batch is simply for your convenience.

When selecting to use the once-off payment, everything that you would need to capture to add the beneficiary and create the creditor batch is all on one screen.

Once you have navigated to > Services > Payments > Creditors > Once off payment, you will be provided with the below options: Pay to: Bank account or Public recipient.

Once off payment to Bank account

Select Bank account option
Payment type: This refers to a sameday batch, a dated batch or a Real time payments batch.
Action Date: The date you would like the payment to be processed
Your reference for creditors: This could be a reference that you use internally to differentiate your beneficiaries, as you could have beneficiaries with the same name, etc.
Your creditor name: Your beneficiary name, individual or company
Payment amount: The amount you will be paying your beneficiary in this once-off payment
Creditors’ statement reference: This is the reference that will reflect on your beneficiaries’ statement once they receive your payment
Bank account name: The name of the account holder or beneficiary
Bank account number: Account holder’s or beneficiaries’ bank account number
Generic branch codes: This is where you select which Bank they are making use of
Branch code: Once the bank is chosen above, the generic branch code will reflect here
Bank account type: The account type, such as savings, current or transmission
Email address: Please insert your beneficiaries’ email address if you would like them to receive a notification of this payment (this is optional)
Cellular number: Please insert your beneficiaries cell phone number if you would like them to receive a notification of this payment (this is optional)
Click on Submit

Note: remember to authorise your once off creditor batch

Once off payment to Public recipient:

Select Public recipient option
Payment Type – Only a Sameday payment is permitted when paying Public recipients.
Action Date: The date you would like the payment to be processed
Your reference for creditors: This could be a reference that you use internally to differentiate your recipients as you could have recipients with the same name, etc.
Type in the recipient name and click on the Search button to return a list of available recipient accounts.
Select the relevant Public recipient from the drop down list
Payment amount: The amount you will be paying your recipient in this once-off payment
Creditors’ statement reference: This is the reference that will reflect on your beneficiaries’ statement once they receive your payment
Please note that it is important to ensure that the statement reference inserted for a Public recipient is in accordance with the specific requirements they have indicated. Failure to do so may result in the payment being rejected when processed, incurring possible penalties for late payment.
Email address: Please insert your beneficiaries’ email address if you would like them to receive a notification of this payment (this is optional)
Cellular number: Please insert your beneficiaries cellphone number if you would like them to receive a notification of this payment (this is optional)
Click on Submit

Note: remember to authorise your once off creditor batch

Creditor batches

Creditor Payment types and cut off times:

Sameday batches that are in an authorised status on the action date may no longer be unauthorised.

Example:
Sameday batch for action date 29th May can be unauthorised up and until midnight on the 28 May. (Business days only)

Dated batches can only be unauthorised on the business day prior to the cut off date.

Example
Dated batch for action date 29th May can be unauthorised up and until midnight on the 27 May. (Business days only)

Same day Creditor payments batch

Funds will be available in the beneficiaries bank account the next day, value-dated for the (same day) payment date.
Processing cut-off time is 13h00 on the payment day.
Valid payment dates are Monday to Friday (excluding public holidays).

Dated Creditor payments batch

All payments are reflected in all accounts on the payment day.
Processing cut-off time is 13h00 one business day before payment day and 13h00 on Friday for Saturday and Monday’s batches.
Valid payment dates are Monday to Saturday (excluding public holidays).

Real Time Clearing payments (RTC)

Batch authorisation schedules:

Monday to Friday:

08h30 to 15h30 on the payment day for transaction values up to R5 000 000.
15h30 to 16h30 on the payment day for transaction values up to R250 000.

RTC batches are not available, on weekends or public holidays.

Funds must be available in your Netcash account prior to authorisation of the batch.

Public recipients must be excluded from RTC batches.

There is no restriction on the number of Sameday and dated batches which can be created for a specific action date.

Batches that have exceeded limits cannot be authorised.

If you have exceeded your line or batch limit, please contact Netcash to arrange a limit increase or click on the increase limit button during the batch authorisation process; your Relationship Consultant will contact you. If you have permission to increase the payment limits on the Netcash account, then please follow the steps below:

Click on Account Profile.
Select Service profiles.
Select Salary payments.
Click on the Edit button.
Adjust your limits accordingly and submit.
You will receive an OTP to authorise the change.

Authorised batches cannot be edited (unauthorise first). Action dates and service types can be edited by clicking on the pencil in the batch list screen.

If you do not see an authorise button, you do not have the necessary permissions. Please refer to your system superuser to provide them with permissions.

Authorisation column narratives:

Authorise – required to be authorised. Unauthorise – batch is authorised.
Co-auth – requires additional authoriser/s.
Transactions required – no transactions/creditors have been added to the batch.
Date expired – batch has passed the cut-off and has not been authorised. Select the pen icon to select a new batch action date.
Insufficient funds – insufficient funds at the time specified cut off time. Select the pen icon to select a new batch action date.

Note: The updated batch needs to be authorised within the specified cut off times.

Final responsibility for the batch rests with the user who authorises the batch. Netcash accepts no responsibility for incorrect batch information as it is assumed that all relevant information has been checked by the user once the batch has been authorised.

Once you are on this page, you are presented with 2 buttons.

Download: This allows you to download all the batches that you have created but have not yet processed.
Add Creditor batch: This is where you start creating your creditor batch by clicking this button.

Creating a Creditor batch

Select Services> Payments> Creditors > Creditor batches.
Click on the Add creditor batch button on the top right side of the screen.
Select the Payment type and Action date.
Click Submit.
You may now select beneficiaries to be added to your batch by clicking in the box on the right of the creditor
Edit amounts and statement references if required.
Click the Add selected to batch button once all editing/ selecting is complete.
Click on View batch.

Obtain a pre-authorisation report

Select Services> Payments>Creditors > Manage creditor batches.
The list of creditor batches will now be displayed.
To download your Pre-Authorisation Report, select Edit Creditors on the left side of the Creditor Batch for which you require the report.
To download your creditor batch report, click on the Download button.
Your creditor batch report will be displayed on the screen. Click on the Export icon and select the preferred format to download your report.
The batch will automatically start downloading and save in your default downloads folder.

Viewing a batch detail report

Navigate to Services > Payments > Creditors > Creditor batches.

Select view batch detail report (left hand side page icon)

The batch detail report displays information regarding batch details prior to the batch being processed by the bank.

Important fields to note:

Batch value
Authorised by
Authorised date
Action date
Recommended deposit

Authorise a Creditor batch

Select Services> Payments>Creditors > Creditor batches.
The list of creditor batches will be displayed.
Click on the Authorise button next to the batch that you would like to authorise.
The Confirm batch authorisation screen is displayed.
This is a summary of the creditor batch, including charges, notifications and a choice of funding options:

Batch warnings -A batch warning button displayed in pink indicates warnings in the batch. Batch warnings will display info in the batch such as duplicate bank accounts and account details changed. You can choose to make corrections or proceed to authorise the batch without amendments

If Public recipients have been included in a dated creditor payments batch, they will be processed as a sameday payment for the action date selected.
Use the available balance if there is sufficient credit in your Netcash account
Will make a bank transfer if you need to fund the Netcash clearing account for payment
Read and accept the terms and conditions, then click on Authorise.
Should you select to pay using the available balance, you will then be redirected to the Confirm Batch authorisations screen.
Insert the One Time Pin (OTP) sent to your cell number or Google Authenticator pin.
Click OK.
Your creditor batch is now authorised and will be scheduled to run on the selected date.

Note:

Dual Authorisation

Dual authorisation allows multiple users with the required permissions to authorise a batch.

The action date can be changed, or the batch deleted, after the first authoriser has approved it.
Recipient details in the batch cannot be changed once authorisation begins.
No changes are allowed once the final authoriser has approved the batch.
Authorisers can approve in any order.
All required authorisers must authorise the batch before the cut-off time. If not, the batch will not be processed.
The first authoriser’s name will appear in the Authorisers column once partial authorisation has taken place.

By default, all authorisation of batches is set to single authorisation. To update the number of required authorisers, please contact your Account Support.

If you are paying using the Will Make bank transfer option, you will be prompted to insert the following information:

- The date when the transfer will be made
- The Netcash account you will be transferred to
- The amount to be transferred
- The extra fields are optional for reconciliation purposes
- Click on Next.
- Click on a Print report in order to obtain details of the Netcash clearing that you need to fund.

Note: If you require additional authorisers, please inform them to authorise the batch before cut-off.

Click Authorise to confirm your bank transfer.
Insert the One Time Pin (OTP) sent to your cell number or Google authorisation pin.
Your creditor Batch is now authorised and will be scheduled to run on the selected date.

Note: One Time Pins are session-based, which means that as long as you are logged into your Netcash account, you can use the same OTP to authorise. Where multiple authorisations are required, only the first authoriser needs to insert the OTP.

Real Time Clearing payments (RTC)

RTC batches are available for both creditor/salaries payments batches and once off creditor/salaries batches.

Batch authorisation schedules:

Monday to Friday:

08h30 to 15h30 on the payment day for transaction values up to R5 000 000.
15h30 to 16h30 on the payment day for transaction values up to R250 000.

RTC batches are not available, on weekends or public holidays Authorise on available balance must be activated and funds available in the Netcash account to use RTC.

Funds will reflect in the beneficiaries bank account within 15 minutes.
A dated or sameday batch may be amended to an RTC payments batch prior to authorization.
Public recipients may not be included in an RTC batch.
RTC payments batches cannot be unauthorised once authorised.
Once the RTC batch has been authorised it will be visible in the creditor batch reports.
Public recipients must be excluded from RTC batches.

RTC participating banks

- ABSA
- Access Bank
- African Bank
- Albaraka Bank
- Bidvest Bank
- Capitec Bank
- Discovery
- Finbond Mutual Bank
- HBZ Bank
- Investec Bank
- Nedbank
- SASFin Bank
- Standard Bank
- Standard Chartered Bank
- TymeBank

Once off payment (RTC batch)

Navigate to Services > Payments> Creditor payments> Once off creditor payment.
Payment Type – Select Real Time Payment
Action Date: Todays date.
Your reference for employee: This could be a reference that you use internally to differentiate your beneficiaries as you could have beneficiaries with the same name etc
Your employee’s name: Add the beneficiaries name and surname.
Payment amount: The amount you will be paying the beneficiaries in this once-off payment.
Beneficiaries statement reference: This is the reference that will reflect on your beneficiaries statement once they receive your payment.
Insert the beneficiaries bank account details.
Email address: Please insert your beneficiaries email address if you would like them to receive a notification of this payment (this is optional)
Cellular number: Please insert your beneficiaries cellphone number if you would like them to receive a notification of this payment (this is optional)
Click on Submit

Note: remember to authorise your once off RTC Creditor batch. Funds must be available in your Netcash account prior to authorisation. The RTC batch will be visible in your creditor batch reports.

RTC Creditor batch

Navigate to Services > Payments> Creditor payments> Creditor batches.
Click on Add Creditor batch.
Payment Type – Select Real Time Payment
Action Date: Todays date.
Click on Submit
Select the beneficiaries to add to the batch
Select Add selected to batch.
Select View batch to review beneficiaries add to the batch
Select Batch list
Authorise your RTC creditor batch.

Public recipients must be excluded from RTC batches.

Notifications:

Notifications for returned RTC transactions can be enabled to ensure that you are notified of any RTC returns.

Navigate to Account Profile > System users > Notifications

Click on the pen icon next to the user you would like to add notifications for.
Select the payments menu.
Tick the box for salaries/creditors: Notification of multiple salary/creditor payments returned unpaid.

RTC Creditor payment returns

RTC creditor returns can be viewed in the following reports

Creditor batch reports. Navigate to Services > Payments > Creditors > Creditor batch reports.
Payment returns. Navigate to Services > Payments > Creditors > Payment returns.
Statement. Navigate to Services > Account > Reports > Statement.

Create a new batch name

Select Services.
Click on Payments from the dropdown menu.
Click on Creditors > Creditor batches.

A batch name has been added to manage the batch screen. The name of the batch is taken from the imported file or allocated by Netcash if the batch is created manually.

The name of the batch can be edited by clicking on the pen icon and creating a new batch name.

Groups

Select Services.
Click on Payments from the dropdown menu.
Click on Creditors > Groups.

Creditor payments can be processed any day of the week except Sundays or public holidays. To help sort creditors when the batch is set up, it is useful to place creditors into different groups. E.g. Place creditors in group 25 should their payment date is the 25th of the month. This does not mean that they can only process the payment on the 25th; it simply makes it easier to select from the Creditor list only those who are in group 25.

The most common groups used are:

Processing date
Service type
Product Type
Frequency – weekly, monthly, annually
Division/region – KZN, Gauteng, etc

Creating groups

Select Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on Groups.
Click on the Add account group button.
Insert the name of your group and submit.
Your group will now appear in the Group list.

Managing creditors in groups

Select Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on Groups.
Click on the Manage account groups button.

Account grouping

Groups: you can add employees in groups according to your payment needs, such as specific payment dates,
Edit: You can edit the group or the employees in the group
Change History: Click on the View change history tab to view changes to the grouping for this employee (added, removed, or amended)
Delete: delete a group, if any creditors are linked to the group that is being deleted, you will be notified to link them to a new group.

Creditor batch reports

This is where you can find all your Creditor batches that have passed the cut-off time and have already been processed.

Obtain a post-batch authorisation report

Services>Payments>Creditors > Creditor batch reports.
Click on the printer icon to the left of the batch.
Click on the Export icon and select the preferred format to download your report.
The batch will automatically start downloading and save in your default downloads folder.

The report also lists all of the transactions processed in the batch. If the creditors details are shown in black, this means that up to the time of viewing the report, Netcash has had no notification from the banks that the transaction has been unsuccessful.

Transaction details shown in red mean that the payment has not been successful. The reason for the failure is indicated by the code which appears after the creditors name.

For additional information, please see below:

To view additional information on your batch, click on View batch detail report.
Export in the required format.

The above batch detail report provides the following information:

Service Type
Value of the batch
The volume of the batch
Action Date
Creation date
Who authorised the batch
Authorisation date and time

Audit report

The Creditor audit report allows viewing which creditors have been created, edited or duplicated in your Creditor list

Click on Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on Audit report
Select the date range.
Select the Result type and click on Submit.
A list of creditors will be displayed that conform to your request. Click on the Pencil to the left of the creditor to view audit details.

Note: If you are uploading creditor batches the system is unable to determine which user made the change and consequently File upload will be displayed in the Changed by column.

Payment returns

Just as with your Creditor batch report, this is also where you can find a Creditor payment that has been processed and returned unsuccessful without seeing all the other payments you processed.

Click on Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on Payment returns
Select the date range.

You will now see the action date that the payment was processed and the amount paid.

To view more details of the beneficiary that you paid click on the + sign next to the action date. This will expand the below details of the unsuccessful payment so that you can see exactly which beneficiary it was that returned unsuccessful.

Account reference
Account name
Account number
Transaction ID
Amount

Creditor Payments Unpaid codes

Select Services.
Click on Payments from the dropdown menu.
Click on Creditors > Unpaid codes.

The list below shows a list of possible reasons why a payment could return unpaid from the bank. Please also note that the unpaid codes Netcash receives are sent directly from the bank and are not self-generated by Netcash

	Code Name	Description
12	Account closed (with no forwarding details)	Your customer’s account has been closed. Kindly contact your customer to obtain alternative banking details as no further debit orders can be run against this account.
14	Account transferred (within banking group)	Account transferred (within banking group)
145	Account failed final validation	This is a credit payment error when an account fails the final validation but still exists in the system with incorrect details.
16	Account transferred (to other banking groups)	Account transferred (to another banking group)
18	Account holder deceased	Your customer’s account has been closed as the account holder is deceased. Please obtain alternative banking details if the debit is to continue or contact the customers’ attorneys for settlement
26	No such account	Your customers’ account may be invalid or have been closed. Please contact your customer to obtain alternative banking details.
28	Recall/Withdrawal	Your customer has requested a withdrawal of the debit order entry. Please contact your customer to clear up the dispute and resubmit if necessary.
30	No authority to debit / credit	Your customer has stopped payment of the debit order, allegedly due to you not having the authority to debit the account. Please contact your customer to resolve the dispute, as no further debit orders will be submitted on this account until the stop payment is lifted.
50	Account Number Invalid	Your customer’s account is invalid. Please contact your customer to obtain alternative banking details.
51	Bank Recall	The bank has requested a recall on this debit order transaction entry. Please contact your customer to arrange a settlement and resubmit if necessary.
56	Not FICA compliant	This account is not FICA compliant, and the bank will not allow any further transactions to this account until your customer complies with the requirements. Please make alternative arrangements for payment with your creditor.

RTC unpaid codes

Code	Description
UNK	UNKNOWN
T01	CREDIT NOT ALLOWED
T02	FROZEN ACCOUNT
T03	ACCOUNT CLOSED
T04	NO SUCH ACCOUNT
T05	NOT FICA COMPLIANT
T06	RESPONSE RECEIVED TO LATE
T07	ISSUER NOT AVAILABLE
T08	ERROR/SYSTEM MALFUNCTION
T09	FAILURE DUE TO TECHNICAL ERROR

Public Recipient payments unpaid codes

Description	Code
ACCOUNT NUMBER IS INVALID OR MISSING	N01
DEBTOR ACCOUNT NUMBER INVALID OR MISSING	N02
INVALID CREDITOR ACCOUNT NUMBER	N03
BRANCH CODE IS INVALID OR MISSING	N04
ACCOUNT TYPE MISSING OR INVALID	N05
CLIENT NOT REGISTERED FOR PRODUCT	N06
NOT ALLOWED AMOUNT	N07
SUM OF INSTRUCTED AMOUNTS DOES NOT EQUAL THE CONTROL SUM	N08
AMOUNT IS INVALID OR MISSING	N09
TRANSACTION AMOUNT EXCEEDS LIMITS AGREED BETWEEN BANK AND CLIENT	N10
CONTROL SUM AT THE PAYMENT INFORMATION LEVEL IS INVALID	N11
NUMBER OF TRANSACTIONS IS INVALID OR MISSING	N12
NUMBER OF TRANSACTIONS AT THE GROUP LEVEL IS INVALID OR MISSING	N13
PARTY WHO INITIATED THE MESSAGE IS NOT RECOGNISED BY THE END CUSTOMER	N14
DEBTOR ACCOUNT NAME IS MANDATORY AND CANNOT BE SPACES	N15
COUNTRY CODE IS MISSING OR INVALID	N16
DEBTOR COUNTRY CODE IS MISSING OR INVALID	N17
CREDITOR COUNTRY CODE IS MISSING OR INVALID	N18
CUSTOMER ID INVALID	N19
INVALID OR MISSING CREDITOR NAME	N20
VALUE IN REQUESTED EXECUTION DATE OR REQUESTED COLLECTION DATE IS TOO FAR IN THE PAST	N21
INVALID OR MISSING DEBIT REFERENCE	N22
CREDITOR CONSOLIDATED OR ITEMIZED REFERENCE IS MANDATORY AND CANNOT BE NULL OR SPACES	N23
BATCH BOOKING NOT PROVIDED	N24
UNEXPECTED ERROR	N25
MESSAGE TIMED OUT	N26
INVALID BATCH CURRENCY	N27
INVALID DATE	N28
INVALID CREATION DATE AND TIME IN GROUP HEADER (EG, HISTORIC DATE)	N29
DUPLICATE MESSAGES FOUND	N30
DUPLICATE TRANSACTION	N31
TECHNICAL VALIDATION FAILED	N32
INVALID PAYMENT TYPE INFORMATION	N33
SERVICE TYPE IS INVALID OR MISSING	N34
INVALID OR MISSING TRACKING PERIOD OR CODE	N35
END TO END ID MISSING OR INVALID	N36
FILE OR TRANSACTION CANNOT BE PROCESSED DUE TO TECHNICAL ISSUES AT THE BANK SIDE	N37
INVALID SUPPLIER	N38
RESOLUTION RESPONSE EXCEEDS SLA CUT-OFF	N39
PAYMENT_STOPPED_BY_ACCOUNT_HOLDER	N40
RECALL_OR_ WITHDRAWAL	N41
NO AUTHORITY TO DEBIT	N42
DEBIT IN CONTRAVENTION OF THE AUTHORIZED PAYER	N43
AUTHORIZATION CANCELLED	N44
PREVIOUSLY STOPPED VIA STOP PAYMENT ADVICE	N45
THE HOMING BRANCH IDENTIFIER IS NOT SPECIFIED AS A BIC	N46
INVALID DEBTOR BIC	N47
CREDITOR BIC CODE IS INVALID	N48
INCORRECT CREDITOR ACCOUNT NUMBER	N49
CLOSED CREDITOR ACCOUNT NUMBER	N50
BLOCKED CREDITOR ACCOUNT	N51
BLOCKED DEBTOR ACCOUNT	N52
END CUSTOMER DECEASED	N53
INCORRECT CREDITOR AGENT ACCOUNT	N54
INCORRECT DEBTOR AGENT ACCOUNT	N55
INVALID CHARACTER SET	N56
INCORRECT RELATED TRANSACTION REFERENCE	N57
UNRECOGNISED INITIATING PARTY	N58
REGULATORY REASON	N59
NOT ALLOWED PAYMENT (CREDIT)	N60
NOT ALLOWED PAYMENT (DEBIT)	N61
REFUND REQUEST BY END CUSTOMER	N62
ASSOCIATED MESSAGE PAYMENT WAS RECEIVED AFTER AGREED PROCESSING CUT-OFF TIME.	N63
INVALID ENTRY CLASS CODE.	N64
DEBITS NOT ALLOWED TO THIS ACCOUNT – THE TYPE OF ACCOUNT DOES NOT ALLOW DEBIT TRANSACTIONS.	N65
NO SUCH ACCOUNT – THE ACCOUNT NUMBER SUPPLIED IS NOT FOUND ON THE ISSUERS SYSTEM WHERE THE COLLECTION IS TAKING PLACE.	N66
DEBTOR AUTHORISATION CHECK FAILED	N67
INSUFFICIENT FUNDS	N68
VALUE IN REQUESTED EXECUTION DATE OR REQUESTED COLLECTION DATE IS TOO FAR IN THE FUTURE	N69
CREDITOR ACCOUNT NAME IS INVALID OR MISSING	N70
CLOSED DEBTOR ACCOUNT NUMBER	N71
NOT WHAT I AGREED	N72
CREDITOR ACCOUNT VALIDATION FAILURE	N73
PENDING REASON BEING INVESTIGATED	N74

Sub account batches

This screen allows you to see all your batches that have been created and that require authorisation, this includes salary batches that you have created on your main Netcash account and on your sub-accounts if you have any sub-accounts

Click on Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on sub-account batches.

Search by transaction ID

This search function helps you to easily find the creditors transaction details if they provide you with the transaction ID number, which is a unique number allocated to every transaction that is processed.

The transaction ID number is displayed on your creditors bank statement next to your chosen abbreviated name.

Click on Services.
Click on Payments from the dropdown menu.
Select Creditors.
Click on Search by transaction ID.

Lock batch

Select Services> Payments> Creditors > Creditor batches.

To lock a batch from any further editing, select the edit icon and click on Lock batch.

Review the onscreen message and click on Yes if you would like to proceed. Please note that the batch cannot be unlocked.

The lock batch feature is applicable to all batches created on the Netcash platform. Imported batches may have the lock batch feature activated in the NetConnector settings, in which case they will already be locked

Processing dates

This report displays when a creditor batch needs to be authorised for a particular action date. Same day batches are to be authorised by 13h00 am on the action date and dated salary batches must be authorised by 13h00 the day prior to the action date.

Select Services > Payments
Click on Creditors from the dropdown menu
Click on Processing dates

A list of processing dates will be displayed including the action date and presentation date. This list is continually updated

Deleting Creditor batches

Select Services> Payments> Creditors > Creditor batches.

Tick the block in the Select column next to each batch that needs to be deleted then click on the Delete button. Please note that only batches that are not authorised may be deleted.

Deleted Creditor batches

Select Services> Payments> Creditors > Deleted Creditor batches.

This screen displays batches that have been deleted and that were never processed, as well as any creditors that have been deleted from a batch.

The following information can be viewed:

Action date
Batch name
Service type
Volume
Amount
Deleted: Date and the user who deleted the batch
Select deleted creditors
The creditor/s that have been deleted will be displayed

Note: The deleted batch would need to be recreated and can not be edited once in a deleted status.

Creditors

Index:

Creditor list

1. Filters and search options

2. Add a new creditor to your Creditor list

Adding the beneficiary’s banking details

Pay to a Public recipient

3. Editing creditors in your Creditor list

Bank account

Account grouping

Notifications

Transaction history

Once off payment

Once off payment to Bank account

Once off payment to Public recipient:

Creditor batches

Creditor Payment types and cut off times:

Same day Creditor payments batch

Dated Creditor payments batch

Real Time Clearing payments (RTC)

Batch authorisation schedules:

Creating a Creditor batch

Obtain a pre-authorisation report

Viewing a batch detail report

Authorise a Creditor batch

Real Time Clearing payments (RTC)

Batch authorisation schedules:

RTC participating banks

Once off payment (RTC batch)

RTC Creditor batch

Create a new batch name

Groups

The most common groups used are:

Creating groups

Managing creditors in groups

Account grouping

Creditor batch reports

Obtain a post-batch authorisation report

Audit report

Payment returns

Creditor Payments Unpaid codes

RTC unpaid codes

Public Recipient payments unpaid codes

Sub account batches

Search by transaction ID

Lock batch

Select Services> Payments> Creditors > Creditor batches.

Processing dates

Deleting Creditor batches

Select Services> Payments> Creditors > Creditor batches.

Deleted Creditor batches

Select Services> Payments> Creditors > Deleted Creditor batches.

Creditors

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