Create Payments

If you have permission to create and authorise your own payments, you will be offered Single Stage processing. This means the payment goes straight to the bank after it has been signed for. If the payment doesn't meet the single stage criteria, it will move to the process payments screens.

An onscreen message will let you know if the payment can be sent straight to the bank

1. Click Continue to use Single Stage Authorisation
2. Sign payment as usual
3. Click Process Payments then Bank Box to confirm status of payment
4. If Single stage is not appropriate for the payment, uncheck the payment
5. Click Continue

The payment will move to the Process Payments screen where it is required to be batched, authorised and then sent to the bank.

If you regularly pay the same beneficiaries, save time by adding them to your beneficiary list.

1. Click the ID link
2. Complete additional fields required
3. Click Save

1. Click Manage Beneficiaries in the Payments tab
2. Click Find Beneficiary
3. Enter account information and click Find
4. Click the beneficiary name
5. Click Amend
6. Enter the new details
7. Click Save

1. Select the Payments tab
2. Click Create Payments
3. Click Inter Account Funds Transfer. There is a free format option on this payment type. If selected the account details are manually entered.
4. Click on the dropdown box and select the debit account
5. Click on the dropdown box and select the credit account
6. Complete the Amount field
7. Enter the Payment Date
8. Click Create

1. Select the Payments tab
2. Click Create Payments
3. Click Inter Account Funds Transfer. There is a free format option on this payment type. If selected the account details are manually entered.
4. Click on the dropdown box and select the debit account
5. Click on the dropdown box and select the credit account
6. Complete the Amount field
7. Enter the Payment Date
8. Click Create

1. Select the Payments tab
2. Click Create Payments
3. Click Inter Account Funds Transfer. There is a free format option on this payment type. If selected the account details are manually entered.
4. Click on the dropdown box and select the debit account
5. Click on the dropdown box and select the credit account
6. Complete the Amount field
7. Enter the Payment Date
8. Click Create

1. Select the Payments tab
2. Click Create Payment
3. Click BACS (Single)
4. Click Free Format or Select Beneficiaries
5. If Free Format, complete all fields then click Create
6. If Select Beneficiaries, check the required beneficiary/s and click Select
7. Complete the Debit Account field
8. Enter the Value Date for the payment (this is the date the payment will debit your account and credit the beneficiaries account)
9. Complete the Amount field
10. Complete the Remitter Reference field
11. Click Create

1. Select the Payments tab
2. Click Create Payments
3. Click Bacs Direct (Multiple)
4. Click Free Format or Select Beneficiaries
5. If Free Format complete all fields then click Create
6. If Select Beneficiaries check the tick box next to the required beneficiary/s and click Select
7. Complete the Debit Account field
8. Enter the Value Date for the payment (this is the date the payment will debit your account and credit the beneficiaries account)
9. In the Summary Reference field enter a reference for the payment (this will only be viewed in Corporate Online)
10. In the Remitter Reference field, enter the reference you wish to see on your statement
11. Enter the amount for each beneficiary
12. Click Create

1. Select the Payments tab
2. Click Create Payments
3. Click Faster Payments
4. Click Free Format or Select Beneficiaries
5. If Free Format complete all fields then click Create
6. If Select Beneficiaries check the required beneficiary/s and click Select
7. Complete the Debit Account field
8. Enter the Payment Date
9. Complete the Amount field
10. Complete the Remitter Reference field
11. Click Create

1. Select the Payments tab
2. Click Create Payments
3. Click CHAPS Payment
4. Select either Free Format or Select Beneficiaries
5. If Free Format, complete all fields and click Create
6. If Select Beneficiaries check the tick box next to the required beneficiary/s and click Select
7. Complete the Debit Account field
8. Complete the Amount field
9. Enter the Payment Date
10. Click Create

All International Payments being made in Euros and destined for a country within the EU/EEA need to quote the beneficiary account BIC and IBAN.

To create an International Payment

1. Select the Payments tab
2. Click Create Payments
3. Click International Payment
4. Select either Free Format or Select Beneficiaries
5. If Free Format, complete all fields and click Save
6. If Select Beneficiaries check the tick box next to the required beneficiary/s and click Select
7. Check the tick box next to the ID link and complete payment details from this screen
8. Select the account to be debited from the drop down box
9. Enter the payment value and currency. The currency of Amount must be the same as the currency of Debit Account or the Currency to be Sent.
10. Enter the Payment Date
11. Add any account references in the Payment Details field
12. Only add text to the Instructions to Paying Bank field if manual intervention is required
13. Select charging options
14. Click Save
15. Click Create

• More on charging options for international payments

All international payments being made in Euros and destined for a country within the EU/EEA need to quote the beneficiary account BIC and IBAN.

Corporate Online lets you process an international payment with an exchange rate based on your choice of currency for the debit account and the currency to be sent.

1. Select the Payments tab
2. Click Create Payments
3. Click International Payment Live Rate
4. Select either Free Format or Select Beneficiaries
5. If Free Format, complete all fields and click Save
6. If Select Beneficiaries check the tick box next to the required beneficiary/s and click Select
7. Check the tick box next to the ID link and complete payment details from this screen
8. Select the account to be debited from the drop down box
9. Enter the payment value and currency. The currency of Amount must be the same as the currency of Debit Account or the Currency to be Sent.
10. Enter the Payment Date
11. Enter an Expiry Interval period - the payment must be sent to the bank within the time period chosen
12. Click Get Rate, the rate displayed will be held as long as the time period selected
13. Add any account references in the Payment Details field
14. Only add text to the instructions to Paying Bank field if manual intervention is required
15. Select charging options
16. Click Save
17. Click Create

• More on charging options for international payments

A Foreign Draft is a cheque made out in a foreign currency to a specified beneficiary. The Lloyds TSB branded draft will be posted to the business address we hold on file.

• Select the Payments tab
• Click Create Payments
• Click International Draft Payment
• Click Select Beneficiaries
• Click Select
• Select the account you wish to debit
• Enter the value and currency
• Enter the country the draft is bring sent to
• Amend the Reference if required
• Tick the Pay Bank Charges box if appropriate
• Click Create

Please note that International Cash Management is not available to new customers. Request the transfer of funds from any preset International Cash Management (ICM) account, using pre-set rules for the credit of one of your accounts. The Transfer request uses SWIFT MT101 format.
There are two types of ICM funds request:

• ICM funds transfer - request the transfer of a specified amount
• ICM funds sweep - request the transfer of all funds in your account, taking the balance down to zero, or a specified residual balance

The amount of information which has to be completed on an ICM Funds Transfer/Sweep depends on the type of request and the specific details required by your bank and yourself.

Optional fields you may have to complete for an ICM request are :

• CHQB - request that beneficiary is paid by cheque
• CMSW - request to sweep account
• CMTO - request to top account above a certain floor limit
• CMZB - request to zero balance account
• CORT - contains a payment made in settlement of a trade
• INTC - contains an intra-company payment
• NETS - should be settled via a net settlement system
• PHON - request to contact the beneficiary by telephone, number should be provided
• REPA - payment has a related e-payments reference
• RTGS - should be settled via a real time gross settlement system
• URGP - urgent payment
• OTHR - used for bilaterally agreed codes/information

• Select the Payments tab
• Click Create Payments
• Click ICM Funds Transfer or ICM Funds Sweep
• Check the tick box next to the required rule
• Click Create

Payments can be imported from compatible software packages.

• Select the Payments tab
• Click Create Payments
• Click Import Payments
• Select Browse to find payment file
• Highlight file then click Open
• Click on Shared or Personal
• Click Save

If the import is successful, a message will be displayed advising the total number of payments imported and that it's been saved within Manage Templates

• Select Manage Templates from the Payments tab
• Check the tick box next to the payment name
• Click Open
• Click Create and process the payment in usual manner

If unsuccessful, an error message will be displayed. Amend the file accordingly then import again. Refer to the Import/Export guide for valid file formats