General Queries:

• What are the cut-off times for file submission on Business On Line Payments Plus?

  Direct Debit Customers

  Direct Debit files must be issued and authorised for processing by 11:00am one business banking day before the due date.

  Credit Transfer Customers

  Credit Transfer files must be issued and authorised for processing by 6:00pm one business banking day before the due date.

  In order to meet cut off times, we recommended that you start your file submission as early as possible.

• What are the technical specifications required for Business On Line File Gateway and Payments Plus?

  To optimise performance and comply with the latest security standards, computers and internet browsers used to access Business On Line, Business On Line File Gateway and Business On Line Payments must meet minimum system requirements. Click here to view requirements.

• What file formats are supported?

  Direct Debit Customers

  For direct debit payment files, only PAIN.008 XML file formats can be supported.

  For more information on the PAIN.008 file structure, please click here.

  Credit Transfer Customers

  For credit transfer payment files, only PAIN.001 XML file formats can be supported

  For more information on the PAIN.001 file structure, please click here.

• Can I use my Creditor ID (CID) for more than one Originator ID Number (OIN)?

  Only one CID will be issued per OIN. Best practice is to use the ‘ZZZ’ field within in the CID to differentiate separate parts of your business as opposed to having individual or separate CID’s. You may replace the ‘ZZZ’ with a reference to a certain section of your business. Any 3 letter combination is accepted.

  The benefit of this action is that you will receive fewer Logon details for BOL File Gateway and BOL Payments Plus. You will only receive one Digipass per CID.

  The SEPA Creditor Identifier structure is as follows:

  • Position 1-2 filled with the ISO country code.
  • Position 3-4 filled with the A code added to verify the accuracy of the identifier as it is transmitted through IT Systems – ISO 7064 Mod 97-10 is used to check this.
  • Position 5-7 filled with the Creditor Business Code. This is free format by default will populate with ‘zzz’. You may use this field to differentiate separate parts of your business.
  • Position 8 onwards filled with the country specific part of the identifier being a national identifier of the Creditor. For existing originators, the OIN used for IRECC will be inserted as the national identifier.

  Creditor ID example: IE97ZZZ123456

• What is a File ID and a Batch ID?

  File ID:
  This is your company’s identification of a PAIN.008 file. This File ID corresponds to the Message Identification tag, the unique ID number on the group header of a PAIN008 file assigned by you, the sending party. It can be alphanumeric and up to 35 characters. A file contains all the transactions you wish to submit and any one time. This file can be submitted up to 30 calendar days in advance. This File ID must adhere to Business On Line File Gateway naming conventions. Please see the Business On Line File Gateway Guide for more detail on file naming conventions.

  Batch ID:
  This is your company’s identification of a PAIN.008 batch within a file. The Batch ID is the Payment Information Identification tag, a unique identification ID per batch, assigned by you, the sending party, to identify the Batch information group within the message. It can be alphanumeric and up to 35 characters. You may group these transactions into batches based on Creditor IBAN, Settlement date and/or the Sequence type.

  In this way you may submit a file containing batches to be processed in different ways and on different value dates.

• Can I request direct debit returns (R-messages) are applied to an account other than the registered creditor account?

  No, direct debit returns (R-messages) must be debited from to the same registered Creditor IBAN account to which the batch was credited.

• Is it possible to have segregation of duties?

  Yes. Segregation of duties can be achieved by assigning two administrators to your Business On Line Profile. One takes responsibility for uploading bulk files via Business On Line File Gateway (Administrator 1), while the other (Administrator 2) is responsible for nominating users who can authorise all uploaded files on Business On Line Payments Plus.

• Where can I find out more about the security of the system?
  Click here to access the Business On Line Handbook Part 2: Business On Line Payments Plus, which contains a comprehensive description of the system’s security features.