Payment processing

Payment processing

Pay your international and domestic beneficiaries via multiple payment channels, including multiple remittance layout and delivery options.

Supported payment channels:

  • AU Electronic Funds Transfer (EFT)
  • AU Cheque (including Bank and Corporate cheque types)

You can control the processing of your files using one of our three authorisation modes:

  • No authorisation (straight through processing.)
  • Single authorisation (payment files must be authorised once before being scheduled for processing.)
  • Dual authorisation (payment files must be authorised twice before being scheduled for processing.)

Authorisation value limits can also be configured to ensure per transaction or per day limits are not exceeded by individual authorisers.

Payment notification can be delivered via remittance advice sent to your payment recipients in either email, fax or paper (mailed).

A full payment history is available via a web based portal including access to all reconciliation data in addition to any previously sent remittance advices.

File specifications

Australian payment import CSV

Send Australian domestic payments into PaymentsPlus and reconcile using the Australian domestic CSV response file.

Australian payment import CSV

Use this file specification to import Australian Domestic payments into PaymentsPlus.

File format specification

The CSV payment import file is a comma separated values file consisting of several different records.

Each field is contained within quotes. Do this so that commas and special characters are interpreted correctly.

Record types

The structure of a CSV payment import file is:

  • One header record
  • One or more payment records
    • Zero or more remittance records
    • Zero or more invoice records
  • One trailer record

There are 3 different payment record types and each payment record can be accompanied with additional remittance information.

Record Type Description Comment
H File Header Record One record per file. A file will consist of a mixture of one or more payments via EFT, Cheque or Remittance Only.
E EFT Payment Record One per EFT payment. An EFT payment may also contain a remittance record and zero or more invoice records.
C Cheque Payment Record One per Cheque payment A cheque payment must be followed by a remittance record which can then be followed by zero or more invoice records.
RO Remittance Only Payment Record One per Remittance Only payment. A Remittance Only payment must be followed by a remittance record which can then be followed by zero or more invoice records.
R Remittance Record One record per payment. Must follow an E, C, or RO record. No remittance record is required if no remittance is being sent. Cheque and Remittance Only payments require a remittance record.
RP Remittance Pass Through Record Optional - one record per remittance. Must follow a remittance record.
I Invoice Record Zero or more per payment. Must follow a remittance record. If a remittance record exists for the payment, the remittance record must appear before the invoice records.
IP Invoice Pass Through Record Optional - one record per invoice. Must follow an invoice record.
T File Trailer Record One record per file.

H - File Header Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes H Record Type
2 Customer Code 1/10 Yes Alphanumeric Customer Code as provided by St. George. This code uniquely identifies the client organisation within the PaymentsPlus platform.
3 Customer Name 1/40 Yes Alphanumeric Customer Name as provided by St. George (for human readable purposes only).
- For cheques, EFTs, this reference will be included as part of the bulk debit transaction data appearing on the client bank statement.
- This reference may be truncated (max cheque debit reference length = 10 chars, max EFT debit reference length = 18 chars).
4 Customer File Reference 1/20 Yes Alphanumeric Customers reference for the file.
5 Scheduled Date 8/8 Yes Date DDMMCCYY The date that the file is to be processed.
6 Currency 3/3 Yes AUD Must be AUD. For Overseas payments the currency is specified in the actual payment record

E - EFT Payment Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes E Record Type
2 Recipient Number 1/20 No Alphanumeric Must match an existing recipient record in PaymentsPlus. This is only available as part of a premium solution, unused unless agreed with Westpac during implementation.
3 Payer Payment Reference 1/15 No Alphanumeric Payers reference for the payment.
- It is recommended that this value be unique for each payment.
- Appears as Payer Ref: on standard remittances.
4 Payment Amount 4/10 Yes Numeric with decimal point. DDDD.CC Amount of the payment, which must be positive and non-zero.
5 Recipient Reference (Lodgement Reference) 1/18 Yes Alphanumeric This will be the lodgement reference that appears on the payee's bank statement.
- It is recommended that this value be unique for each payment.
- Appears as Reference No: on standard remittances.
6 BSB Number 6/7 Yes BSB-BSB Bank State Branch number of the account to be credited.
7 Payee Account Number 1/9 Yes Alphanumeric Account number of the account to be credited.
8 Payee Account Name 1/32 Yes Alphanumeric Account name of the account to be credited.
9 Funding BSB Number 6/7 No BSB-BSB The Bank State Branch number for the funding account.
- Must be registered in PaymentsPlus prior to use.
10 Funding Account Number 1/9 No Alphanumeric The account number for the funding account.
- Must be registered in PaymentsPlus prior to use.

C - Cheque Payment Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes C Record Type
2 Recipient Number 1/20 No Alphanumeric Must match an existing supplier in PaymentsPlus.
3 Payer Payment Reference 1/15 No Alphanumeric Payers reference for the payment.
- It is recommended that this value be unique for each payment.
- Appears as Payer Ref: on standard remittances.
4 Payment Amount 4/10 Yes Numeric with decimal point. DDDD.CC Amount of the payment, which must be positive and non-zero.
5 Recipient Reference (Cheque Number) 1/7 No Numeric The cheque number of the cheque to be issued. Customers can either provide their own cheque numbers or allow Westpac to generate these on their behalf.
- It is recommended that this value be unique for each payment.
- Appears as Cheque No:on standard remittances.

RO - Remittance Only Payment Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 2/2 Yes RO Record Type
2 Recipient Number 1/20 No Alphanumeric Must match an existing recipient record in PaymentsPlus. This is only available as part of a premium solution, unused unless agreed with Westpac during implementation.
3 Payer Payment Reference 1/15 No Alphanumeric Payers reference for the payment.
- It is recommended that this value be unique for each payment.
- Appears as Payer Ref: on standard remittances.
4 Recipient Reference 1/18 No Alphanumeric Recipient reference for the payment.
- Appears as Reference No:on standard remittances.
5 Payment Amount 4/10 Yes Numeric with decimal point. DDDD.CC Amount of the payment.

R - Remittance Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes R Record Type
2 Remittance Delivery Type 3/11 Yes Alphanumeric The delivery type for the remittance associated with this payment. Must be one of,
- POST - remittance will be delivered to the payee via post.
- POST_RETURN - remittance will be returned to the customer via post.
- POST_OS - remittance will be delivered to the payee via international post.
- POST_MULTI - remittances/cheques for the same address will the consolidated together in the same envelope and delivered to the payee via post.
- FAX - remittance delivered via facsimile.
- EMAIL - remittance delivered via email.
- NONE - no remittance will be provided.
If no remittance record is provided a remittance will not be delivered to the payee which is equivalent to providing a remittance record of type NONE.
3 Payee Name 1/35 Yes Alphanumeric Name of the payee.
- An extended payee name length (100 chars) is possible under some circumstances upon request.
4 Addressee Name 1/35 No Alphanumeric Defaults to Payee Name. Displayed on remittances above the address line.
5 Street 1 1/35 No Alphanumeric Required for POST, POST_OS and POST_MULTI remittance delivery type.
6 Street 2 1/35 No Alphanumeric Address line 2
7 Street 3 1/35 No Alphanumeric Address line 3
8 City 1/40(25) No Alphanumeric Required for POST, POST_OS and POST_MULTI remittance delivery type.
- Printed remittances are limited to 25 chars.
9 State 1/3 No Alphanumeric Required for POST and POST_MULTI remittance delivery type.
10 Post Code 1/9 No Alphanumeric Required for POST and POST_MULTI remittance delivery type.
11 Country 2/2 No Alpha Two character country code. E.g. AU, NZ.
12 Fax 1/15 No Alphanumeric Required for FAX remittance delivery type.
13 Email 1/128 No Alphanumeric Required for EMAIL remittance delivery type.
14 Remittance Layout Code 1/2 No Numeric Must be positive and greater than zero. The remittance layout codes will be agreed with Westpac during implementation.
15 Return To Address Identifier 1/1 No Alphanumeric An identifier representing a previously arranged return to postal address. Address details and identifier will be agreed with Westpac during implementation.

RP - Remittance Pass through Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 2/2 Yes RP Record Type
2 Pass through Data 1/120 No Alphanumeric Pass through data specific to the client implementation (appears in PPS settlement file as 03A record position 381->500).

I - Invoice Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes I Record Type
2 Payers Invoice Number 1/20(10) No Alphanumeric The payers reference for the invoice.
- Printed remittances are limited to 10 chars.
Appears as Invoice Number on standard remittances.
3 Recipient Invoice Number 1/20 No Alphanumeric The recipients reference for the invoice.
- Available on printed remittances upon special request only (Additional CRN).
- Appears as Recipient Invoice Number on standard remittances.
4 Issued Date 8/8 No Date DDMMCCYY The date the invoice was issued.
- Appears as Invoice Date on standard remittances.
5 Due Date 8/8 No Date DDMMCCYY The date the invoice is due for payment.
- Appears as Due Date on standard remittances.
- Available on printed remittances only upon special request.
6 Invoice Amount 4/10 No Numeric with decimal point. DDDD.CC The amount of the invoice.
- If the invoice is negative (a credit note) prefix with -.
- Appears as Invoice Amounton standard remittances.
7 Invoice Description 1/80 No Alphanumeric Invoice Description.
- Appears as Invoice Description on standard remittances.
8 Deduction Amount 4/10 No Numeric with decimal point. DDDD.CC The amount of the deduction/discount.
- Appears as Deduction Amount on standard remittances.
9 Deduction Description 1/80 No Alphanumeric Description of the deduction/discount.
- Appears as Deduction Description on standard remittances.

IP - Invoice Pass through Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 2/2 Yes IP Record Type
2 Pass through Data 1/120 No Alphanumeric Pass through data specific to the client implementation (appears in PPS settlement file as 03 record position 381->500).

T - Trailer Record

Field Number Field Name Min/Max Length Required Format Description
1 Record Type 1/1 Yes T Record Type
2 Total Payment Count 1/10 Yes Numeric NNN Total number of payments in the payment file. This should add up to the count of all the E, C, B, RO, RT and OTT records in the file.
3 Total Payment Amount 1/15 Yes Numeric DDDDDD.CC Total amount of payments in the payment file. This must add up to the sum of all Payment Amount fields on each of the E, C, B, RO, RT and OTT records in the file.

Sample file

"H","CUSTCODE","Sample Customer","SC010111","01012011","AUD"
"C","","101","580.00","0000101"
"R","POST","Prof John Smith","","1-2 BOTANY RD","","","ROSEBERY","NSW","2018","AU","","","1","A"
"E","","102","900.00","0000102","062-000","100007","John Smith"
"R","EMAIL","Jamie Brown","","","","","","","","","","jamiebrown@brown.com.au",""
"E","","103","600.00","0000103","012-830","055993113","FREDDY LEE"
"R","FAX","Freddy Lee","","","","","","","","","0249510043","",""
"T","3","2080.00"

Australian domestic response CSV

This section provides a specification for the PaymentsPlus Australian Domestic CSV response file format. Use this file specification to reconcile Australian Domestic payments.

The current version is 1.

File format specification

The file format is a CSV (Comma Separated Value) file consisting of a single header row followed by a number of payment records.

A field may be encapsulated in quotes (") to ensure that formatting notation present in fields does not interrupt the file (e.g. if the field contains a comma).

A valid quote character (') in a field will be encoded as a double quote (").

A CSV remittance file will be produced for each input file provided into PaymentsPlus. Additional remittance files may be produced to update payments which have been subsequently declined by other financial institutions.

Field Field Name Format Description
1 Pay From Account Alphanumeric The payee account that payments were made from.
2 Your Bank Reference Alphanumeric The buyer bank reference that the payment was included in. Payments to recipients will be bulked debited per payment type against the buyer according to the payment file they were contained in.
3 Payment Type Alphanumeric The payment instrument of the payment. E.g. Cheque, Direct Entry or BPay.
4 Remittance Type Alphanumeric The remittance type of the payment. E.g. None, Email, Fax, Post.
5 Buyer Reference Alphanumeric A buyer provided reference to uniquely identify the payment.
6 Bank Ref/Cheq# Alphanumeric A recipient reference for the payment which will appear as the cheque number or lodgement reference for the recipient.
7 Success 0, 1 or blank A code to indicate the success or failure of the payment. 0 = failed 1 = successful Blank = response not yet received from external system
8 Status Code Alphanumeric A unique code identifying the status of the payment. Refer to Payments Status Codes page for further information.
9 Status Description Alphanumeric A description more elaborately describing the status of the payment.
10 Payment Date Date dd mmm yyyy The date that the payment was made.
11 Recipient Code Alphanumeric The payee/recipient name that the payment was made to.
12 Recipient Name Alphanumeric The payee/recipient name that the payment was made to.
13 Recipient Account Alphanumeric The account that the payment was made to.
14 Currency Alphanumeric The currency of the payment.
15 Amount Number N,NNN.NN The amount of the payment in dollars. E.g. 1.23 for one dollar and twenty three cents.
16 Addressee Name Alphanumeric The remittance addressee name.
17 Recipient Address 1 Alphanumeric The first address line.
18 Recipient Address 2 Alphanumeric The second address line.
19 Recipient Address 3 Alphanumeric The third address line.
20 Recipient City Alphanumeric The recipient city.
21 Recipient State Alphanumeric The recipient state.
22 Recipient Post Code Alphanumeric The recipient postal code.
23 Recipient Fax Number N The recipient fax number for the recipient.
24 Recipient Email Email The recipient email address.

Sample file

"Pay From Account","Your Bank Reference","Payment Type","Remittance Type","Buyer Reference","Bank Ref/Cheq#","Success","Status","Status Description","Payment Date","Recipient Code","Recipient Name","Recipient Account","Currency","Amount","Addressee Name","Recipient Address 1","Recipient Address 2","Recipient Address 3","Recipient City","Recipient State","Recipient Post Code","Recipient Fax","Recipient Email"
"032-000 000007","BATCH001","Direct Entry","None","PAYMENT001","PAYMENT001","1","Success","Approved or completed successfully","14 Nov 2011","","Example Customer","032-000 000015","AUD","1,000.00","Example Customer","Level 1","Wallsend Plaza","","Wallsend","NSW","2290","0249510055","example@example.com"