Adviser Initiated Payments

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash account. You can also set up a future dated or a scheduled (recurring) payment. It’s fast and easy for you to make payments using AIP. 

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

• PayAnyone, available to any account in Australia with a transaction limit of $500,000 per day
• unlimited BPAY^® payments (subject to BPAY biller code amount limits).
  

Who can't use AIP?

AIP is unavailable for clients with signing instructions of more than two people. If your client has ‘all to sign’ instructions of more than two, you can still support them and they’ll need to complete a withdrawal form.

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
5. The make a payment screen will open. You can choose to make a payment to a saved payee or biller, or create a new payee or biller
6. Select the account or biller you’re paying to. If you’re making a payment from a Macquarie Accelerator account (CHI) OR a Macquarie Vision Savings account (CMHV), then the linked Cash Management Account or Macquarie Vision Cash account will be automatically selected
7. Enter the amount to transfer and, if you’d like, a description to appear on your clients or the recipient’s statement
8. If applicable, enter the EFT code or Customer reference number associated with the payment
9. Select when you’d like the payment to occur: Now, Later, or Recurring payment
10. For a Recurring payment, select how often the payment should occur and an end date, if applicable. Please note you can't continue a recurring BPAY payment for more than 12 months
    •  For monthly and quarterly recurring payments you can select a non-processing day (weekends and national public holidays) as the start date. Payments that fall on non-processing days will be deducted from your clients’ account on the banking day before the due date.
11. Review the details of the payment and select Next.
    

Depending on your authority level and the payment type, the payment may require authorisation by your client.

Adviser Initiated Payments (AIP) aren’t available for accounts where the signing instruction is anything other than one sole authoriser or two dual authorisers to approve the payment request. For accounts that require two dual authorisers, select the two authorisers who you want to receive the SMS secure code or Macquarie Authenticator push notification. 

If the payment requires authorisation follow the AIP steps and then: 

1. Once you’ve entered the details of the payment, and selected Next, you’ll need to select the payment authorisers. You’ll be able to select either one sole authoriser or two dual authorisers to approve the payment. 
2. Under Authorisation method you’ll see the method your client must use to authorise the payment. The options presented are Authenticator OR SMS. You can’t change the authorisation method used by your client. 
3. Select Send authorisation. The authoriser(s) selected as approvers of the payment will receive a push notification or an SMS secure code on their mobile device.

Push notification:

1. If your client has registered for Macquarie Authenticator, they will receive a push notification on their mobile device to approve or deny the payment. Your client has 24 hours to action the push notification in the mobile app. See more on expiry.
2. Once your client(s) approve the push notification the payment will be authorised. This will be reflected in Manage payments, and the person who initiated the payment will receive a notification in Adviser Online advising them that the payment has been authorised. 

If a client denies the push notification, the payment won’t be authorised and this will also be reflected in Adviser Online. 

SMS secure code:

1. If your client hasn’t registered for Macquarie Authenticator, then they’ll receive a SMS secure code. They must verbally provide the SMS secure code to you
2. To enter the code, select Enter code from the Send payment screen, you’ll be directed to Manage payments
3. An Enter code field will appear in the authorisation tile for the selected authoriser(s), within the expanded accordion for the selected payment
4. Tick the box to confirm you’ve received the secure code verbally and you’re the same person who has initiated the payment
5. Enter the code into the Enter code field
6. If your client didn’t receive a code and their mobile number is correct, then you can resend the code via SMS by selecting Resend code. If there are two authorisers, and you would like to resend the SMS secure code to both, select Resend code in each authorisation box
7. Select Submit, and the status of the payment will be updated. 
8. Once the payment has been successfully authorised the status of the payment will be updated to Complete
9. Once a payment has been authorised, your client will receive a confirmation email and SMS for their records. If you authorised the payment after 5pm Sydney time 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 have Limited Funds Transfer Authority (LFTA) you’ll will be able to create a payment between linked accounts, without client authorisation. Linked accounts include, Macquarie Vision Savings (CMHV) to Macquarie Vision Cash (CMHM) and Macquarie cash management accounts to Macquarie Cash Management Accelerator (CHI) accounts. 

Tax payments won’t require client authorisation, where you hold tax authority against the account being debited. 

If the payment doesn’t require authorisation: 

1. Review the details of the payment and select Confirm transfer
2. The details of the payment will be presented on the Send payment screen. From here you can print a confirmation or make another payment from the same account
3. Navigate to the Manage payments page or the Transactions page for the cash account.

Secure Code Expiry:

The secure code sent to your client is valid until midnight of the following business day. If the code does expire you can easily generate a new one. 

1. Log in to Adviser Online
2. Click Manage Payments
3. Search for the payment or click anywhere on the payment row to expand the row
4. In the authorisation box for the authoriser, you want to send the code to, select Resend code. If there are multiple authorisers, and you would like to resend the code to both, select Resend code in each authorisation box
5. An SMS will be sent to the authoriser/s with the secure code
6. To continue to approve the payment, verbally confirm the secure code with the authoriser
7. Tick the box to confirm you’ve received the secure code verbally and enter the code
8. You can then proceed authorising the payment.

Adviser Initiated Payments (AIP) don’t need to be approved immediately. You’ll only be able to approve a payment once the authoriser/s verbally provide you with the six-digit secure code. 

Follow the instruction for an AIP and then:  

1.  Once you’ve entered the details of the payment, and selected Next, you’ll need to select the authoriser/s to send the push notification or SMS secure code to. Under ‘Authorisation method’ you’ll see the method your client must use to authorise the payment. You can’t change the authorisation method used by your client. 
2. Select Save payment. The payment will be saved, and you’ll be provided with a payment ID. The authoriser(s) selected will not receive a push notification or a SMS secure code. You can view saved payments in Manage payments.

If the code has expired, you can select Resend code to send a new code to the client. 

Once the payment has been successfully approved the status of the payment will be updated to Complete.

Sending the authorisation for a saved payment at a later time

For saved payments, you can send the authorisation to your client at the appropriate time: 

1. Log in to Adviser Online
2. Click Payments, and then Manage payments 
3. Enter the payment ID into Payment search or select the payment from the list
4. Click anywhere on the payment row to expand the row
5. In the authorisation tile(s) presented, select Send authorisation. If your client is registered for Macquarie Authenticator they’ll receive a push notification. If not, they will receive an SMS secure code. For dual authorisation, you must select Send authorisation in each tile. 

The push notification sent to your client is valid for 24 hours. If the code does expire you can easily generate a new one. The SMS secure code sent to your client is valid until midnight of the following business day. If the code does expire you can easily generate a new one.