The AFT file contains payment instructions in a format indicated by your sponsored bank. We have outlined the main points below for pre-authorized debit payments. Your bank may also have proprietary standards for file submissions, so we recommend that you check them before submitting files. Your bank sends you all the messages every working day. For returned or disgraced items, you can determine why by looking at the transaction code. Here are some of the most commonly used transaction codes for returned or disgraced payments and customer-initiated returns: Your bank typically provides the format required to create the file. It is always helpful to understand its structure, so let`s explain it in more detail here. Create an AFT file with the required structure (details in the next section) Header folder – Contains author credentials and the date of the download file to your bank according to its procedures You can send payment requests to your bank by creating and downloading an Automated Funds Transfer (AFT) file using the following procedure: Bank files sent via ACSS contain notifications about circumstances such as defaults. You can receive a notification. B if a pre-authorized charge is disgraced or inform you of a notice of change (NOC). The latter provides up-to-date information on a debitor`s account data, allowing the initiator to adjust records for future payments.
Payment Registration – List pre-authorized debit payment data Wait for the bank`s first review to ensure that the necessary information is contained before sending the file to ACSS. These codes are in the debtor extract line and help determine payment terms. Transactional codes do not have formal requirements, with most pre-authorized debit payments using the “Divers” code. Trailer Recording – Counts amounts for previous records in the file If you select direct access to overbooking of overbooked nbis via a bank, you need to know how to send the PAD payments you collect for processing. Access to Pre-Authorized through a payment provider usually means that it supports the transmission process for you.