Cash management solutions

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash account. You can also set up or amend a scheduled or recurring payment. It’s fast and easy for you to make client instructed cash payments using AIP. It also gives your clients control over their transactions while giving their consent is made easy.

AIP is available for a number of different payment types including:
 

• PayAnyone, available to any account in Australia with a limit of $100,000 per day
• transfers to any nominated account with no daily limit
• unlimited BPAY® payments (subject to BPAY biller code limits).

Who can use AIP?

Authorised advisers can make AIP for their clients. Clients must have a current mobile number and email address on record, and have account signing instructions as any one or two to sign.

Who can’t use AIP?

AIP is unavailable for clients with signing instructions of more than 2 people. If your client has ‘all to sign’ instructions of more than 2, you can still support them.

They’ll need to complete a withdrawal form.

To make an AIP from the cash account

NOTE: AIP is not available for accounts where the signing instruction is anything other than any one or any two to sign. For accounts that are two to sign, select two signatories to receive the secure code.
 

1. Log in to Adviser Online
2. Search for the client or account you want to make the payment from in the global account search bar
3. Choose the account
4. Select Make a payment and choose the relevant client
5. The make a payment screen will open. You can choose to make a payment to a saved payee or biller, or a new payee or biller
6. If making a payment to a new payee or biller, choose either Transfer or BPAY
7. Enter the amount to transfer and, if you’d like, a description to appear on the recipient’s statement
8. Select Create request
9. Select the payment schedule: Once off, Future dated, or Recurring payment
   1. For Future dated payment requests, you only need to enter a date in the First payment date field
   2. For a Recurring payment, complete the request details and provide a Payment end date or select Continue until further notice
10. Select the Frequency of the payment
11. Review the details of the payment
12. Select a client to send the secure code to. If there are multiple signatories, you’ll be given a choice
13. Your client will receive an SMS with their secure code. This code must be provided verbally to you
14. Enter the code into the Authorisation code field
15. Tick the box to confirm you received the code verbally
16. If they haven’t received a code and their number is correct, then you can send a new code by selecting Resend SMS
17. Once the code has been verified, the Submit button will change to a green tick. Select Continue
18. Confirm the payment details on the Payment Authorisation screen. If you’re satisfied the details are correct, then click Authorise.

You will be taken to the Payment Summary screen where you can see a summary of your AIP.

Next Steps

Your client will receive a confirmation email and SMS for their records. If you authorised the payment before 5pm on a business day, the payment will be received the next morning. Payments to other Cash Management Accounts during business hours will be received within 20 minutes of being authorised.

If you’re experiencing issues with AIP, see Why is AIP not working?

A complete step by step is also available.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

We’re using email more and more as the preferred way to communicate with your clients when needed about their statements being available, and other important account-related information.

As we move to more digital methods of providing account information, we encourage all clients to ensure their email and other contact information, including mobile, is up to date.

To ensure we have up to date contact information for your new clients, this is mandatory in the application process.

No. Your clients will be able to open a joint account and can continue sharing the same email address.

One welcome email will be sent to the email address for both clients. They will need to individually click on the link and enter their date of birth. Once entered, they will be taken to their unique application form. Each client will have their own application form and will need to approve them both for the account to be opened successfully.

It’s important to ensure that both clients have ongoing access to the email address. This is our primary way of communicating with clients. It’s important that your clients nominate their current email address and mobile telephone number for the purposes of receiving notices and information about their account.