Payments on ScotiaConnect

To make sure you pay your recipients on time, you should submit payments to the Bank by specific cut-off times. Please note that bank holidays may affect your payments. Upcoming bank holidays will be posted in your ScotiaConnect Message Centre.

Cut-off times are determined by payment type, payment destination, and other factors.

EFT, IAT, and wire payment cut-off times

View a payment cut-off times tutorial

Info about cut-off times for bill payments

Interac e-Transfers and International Money Transfer (IMT) do not have cut-off time restrictions and can be created, approved, and submitted for processing 24/7.

You must enter a unique one-time password from your security token whenever you submit payments. This is an additional authentication to ensure sure that the right person is making payments on behalf of your organization.

ScotiaConnect offers a physical token as well as a digital token app to use on your mobile phone.

Read more about converting from physical token to digital token

Payment terminology 101

Each payment type has some unique terminology. A few of the terms are defined here. For more detailed information, download the PDFs included below.

Electronic funds transfers (EFT)

• Due date is the date the recipient’s account needs to be debited or credited.
• Settlement account is the account that you’re using to send or receive a payment.
• CPA code (Canadian Payment Association code) is a 3-digit numeric code used to identity the purpose of a payment. When making an EFT, you’ll be asked to select a payment’s CPA code from a list of standard codes.
• Remittance advice is an optional service that lets you send a communication to your recipient along with the EFT.

More details about EFT terminology

International ACH transfers (IAT)

• Due date is the date the recipient’s account needs to be debited or credited.
• Settlement account is the account that you’re using to send or receive a payment.
• Transaction type code is a 3-letter code used to identify IAT payments. You’ll be asked to select a payment’s transaction type code from a list of standard codes.
• SEC code (Standard Entry Class Code) defines whether a payment is a debit or credit. It also defines account type and record format.
• ABA number (American Bankers Association number) is a 9-digit routing number to indicate which bank and transit you are paying within the United States.
• RDFI country (Receiving Depository Financial Institution country) defines the country that the recipient’s account is domiciled in. In the case of IAT, this will always be United States.

More details about IAT terminology

Wire payments

• Execution date is the date the Bank will act on your wire payment instructions.
• Value date is the date the recipient’s bank needs to receive the wire payment. You must select a date that can be met, considering cut-off times.
• ABA number (American Bankers Association number) is a 9-digit routing number to indicate which bank and transit you are paying within the United States.
• Bank/transit is a routing number indicating which bank and transit you are paying within the United States.

More details about wire payment terminology

International Money Transfer (IMT)

• ABA number (American Bankers Association number) is a 9-digit routing number to indicate which bank and transit you are paying within the United States.
• SWIFT/BIC is a bank identification code/routing number to indicate an overseas bank.
• IFSC (Indian financial services code) is a routing code to indicate a bank in India.
• SORT code is a routing code to indicate a bank in the United Kingdom or Ireland.
• You send is the amount debited from your business account in Canadian dollars.
• They receive is the amount your recipient will receive in their local currency.

For questions about payments, contact Client Services & Solutions. Our analysts are available Monday to Friday, from 8:00 a.m. to 8:00 p.m. ET.

To ensure that your call is resolved quickly, please have your customer agreement number ready when you call.

Toronto 416-288-4600
Canada (English) 1-800-265-5613 (toll-free)
Canada (French) 1-800-463-7777 (toll-free)
United States 1-800-291-3057 (toll-free)

To set up a new payment, click the Create payment icon on Overview or Payments.

We’ve been listening to your feedback! We’re introducing a quicker, easier way to make payments on ScotiaConnect. This will require that you set up a recipient’s profile before you can pay them – but that’s easy, too. Read more about setting up new recipients. Talk to your Relationship Manager or Small Business Advisor for more details.

You can also navigate to the Payments section to use templates or make one-time payments. Or if your organization has set up the Online Payment Control service, use it to upload and act on payment files created outside of ScotiaConnect. Read more about Online Payment Control

Approving a payment on ScotiaConnect is a review step. It’s a chance for one or more users in your organization to verify that the details of a payment are correct.

But an approved payment is not automatically sent to your recipient. Someone still needs to submit the payment to the Bank for processing. A payment can be submitted to the Bank for processing once it has received all required approvals and has a status of Ready.

When you submit a payment, the Bank receives it for processing. A payment may pass through several statuses on its way to the recipient’s financial institution. Read more about payment statuses

If you have payments awaiting approval, you should see them organized by payment type in two places - your Overview To-do list and in the View pending payments section of Payments.

1. Click a payment type link in your To-do list to view a list of payments to be approved.
2. You’ll see a list of payments to approve. Select payments from the list or apply filters to narrow down your results. To see more information about a specific payment, click View details from the payment’s More actions menu.
3. When you’ve selected the payments you need to approve, continue to the review screen. Here you’ll get a chance to double-check the total amount(s) to be sure that you’ve selected the right payments before you confirm your approval.
4. After you’ve processed your approvals, you’ll see a summary of the payments you’ve approved. The summary includes details of the approvals that were completed and/or failed. You can download or print this summary for your records.

NOTE: You may also be able to delete, disable, or modify the date of payments awaiting approval. Contact your administrator or Super User if you have questions about your payment access levels.

Approving a payment on ScotiaConnect is a review step. It’s a chance for one or more users in your organization to verify that the details of a payment are correct. But even after one or more approvals, one of your users still needs to submit the payment to the Bank for processing.

A payment can be submitted to the Bank for processing once it has all required approvals.

• A payment that has been approved will have a status of Approval 1 or Approval 2.
• A payment with all required approvals will have a status of Ready and can be submitted to the Bank for processing.

If you have payments awaiting submission to the Bank for processing, you should see them organized by payment type in two places - your Overview To-do list and in the View pending payments section of Payments.

1. Click a payment type link in your To-do list to view a list of payments to be submitted.
2. You’ll see a list of payments to submit. Select payments from the list or apply filters to narrow down your results. To see more information about a specific payment, click View details from the payment’s More actions menu.
3. When you’ve selected the payments you need to submit, continue to the review screen. At this point, you’ll be asked to enter your ScotiaConnect password and a unique token value. This ensures that the right person is submitting payments on behalf of your organization. You’ll then get a chance to double-check the total amount(s) to be sure that you’ve selected the right payments before you confirm your submission.
4. If payments require currency conversion, you need to accept a foreign exchange rate. Without a rate, payments cannot be submitted and will stay in a pending status. Read more about applying foreign exchange to payments on ScotiaConnect.
5. After you’ve processed your submissions, you’ll see a summary of the payments you’ve submitted. The summary includes details of the submissions that were completed and/or failed. You can download or print this summary for your records.

NOTE: You may also be able to delete, disable, or modify the date of the payments awaiting submission. Contact your administrator or Super User if you have questions about your payment access levels.

When you submit a payment, the Bank receives it for processing. From there, the payment may pass through several statuses on its way to the recipient’s financial institution. Read more about payment statuses

ScotiaConnect lets you separate payment duties within your organization. Your Super User or administrator can set up levels of payment access, approvals, and amount limits.

You can future-date most payments, though the rules vary between payment types.

• Bill payments: up to one year from current business day
• EFT payments: up to 60 days from current business day
• IAT payments: up to 30 days from current business day
• EDI payments: up to 30 days from current business day
• Canadian and US wire payments: up to 30 days ahead of current business day

NOTE: If a payment requires currency conversion, it cannot be future-dated.

You can back-date some payments, though the rules vary between payment types:

• EFT payments can be dated up to 30 days back from the current business day.
• IAT payments can be dated up to 60 days back from the current business day.
• EDI payments can be dated up to 30 days back from the current business day.

NOTE: If a payment requires currency conversion, it cannot be back-dated. Bill payments can also not be back-dated.

You cannot currently use ScotiaConnect to schedule recurring payments. You can future-date certain types of payments. You can also use templates for payments that you make frequently and change the date each time you need to make the payment.

Use Payment search to find details for payments dating back up to 24 months from the current day. This includes:

• Payments that have not been sent to the Bank for processing
• Payments that have not been deposited
• Payments dated for delivery at a future date
• Payments that have been sent to the Bank
• Payments that have reached their intended recipient(s)

If you make cross-border wire payments, you may see a Track now link in your Payment search results. Use this to link to view more detailed updates about the status of these payments.

You can only change payments that have not been sent to the Bank for processing.

You can access these payments from a few places - your Overview To-do list, in the View pending payments section of Payments, or in Payment search.

Select the payments that are eligible to be deleted, disabled/enabled, or those for which the payment date can still be modified.

Looking to change a payment that has already been submitted to the Bank for processing? Rules will vary by payment type. Read more about post-payment services on ScotiaConnect:

• EFT recalls and reversals
• EFT traces
• Cancelling/recalling an Interac e-Transfer
• Cancelling/recalling an International Money Transfer
• Deleting or recalling a bill payment
• Wire payment tracking
• Wire payment recall requests
• Stop payment on cheques

You may see various statuses across a payment’s life cycle, from when you create it to when it is deposited to your recipient’s financial institution.

EFT and IAT payment statuses

• Entered: The payment has been created and may need one or more approvals before it can be submitted.
• Deleted: A user deleted a payment so it can no longer be submitted or otherwise actioned.
• Approval 1: The payment needs more than one approval and has been approved by one user.
• Approval 2: The payment needs more than two approvals and has been approved by two users.
• Disabled: A user disabled the payment. To change or submit a disabled payment, a user must first enable it. Once enabled, the payment returns to its previous status.
• Failed: This status applies only to payments imported onto ScotiaConnect using Online Payment Control or History services. This status means that the imported payments contain missing or incorrect information.
• Ready: The payment has met all approval requirements and can be submitted to the Bank for processing.
• Submitted: This is a temporary status when a payment has been sent to the Bank for processing.
• Accepted: The payment has been accepted by the Bank for processing.
• Rejected: The payment failed a Bank or host validation.
• Returned: The EFT has been returned by the receiving financial institution.

Wire payment statuses

• Entered: The wire payment has been created and may need one or more approvals before it can be submitted.
• Deleted: A user deleted a wire payment so it can no longer be submitted or otherwise actioned.
• Approval 1: The wire payment needs more than one approval and has been approved by one user.
• Approval 2: The wire payment needs more than two approvals and has been approved by two users.
• Disabled: A user disabled the wire payment. To change or submit a disabled wire payment, a user must first enable it. Once enabled, the wire payment returns to its previous status.
• Ready: The wire payment has met all approval requirements and can be submitted to the Bank for processing.
• In progress: This is a temporary status has been submitted but not yet accepted by the Bank for processing.
• Sent: The wire payment been submitted to the Bank for processing but has not yet been accepted or rejected.
• Rejected: A domestic wire payment has failed a Bank or host validation.
• Failed: A foreign currency wire payment has failed a Bank or host validation.
• Future-dated: The wire payment submitted to be processed on a future date. It will remain in this status until the execution date.
• Cancelled: The future-dated wire payment has been cancelled and can no longer be sent for processing.

Interac e-Transfers statuses

• Interac e-Transfer initiated: The Interac e-Transfer has been created.
• Recipient notified: The recipient has received a notification that you have sent them an Interac e-Transfer.
• Recipient authentication failed: The recipient answered the security question incorrectly.
• Recipient authentication successful: The recipient answered the security question correctly.
• Recipient declined: The recipient did not accept the Interac e-Transfer.
• Recall accepted: A user requested the recall of an Interac e-Transfer. Interac accepted the request and the funds stay in the originating account.
• Cancelled: The Interac e-Transfer was recalled.
• Expired: The recipient did not answer the security question in time to accept the Interac e-Transfer.
• Recipient Autodeposit in progress: This is a temporary status when the Interac e-Transfer is being deposited to the recipient’s account.
• Recipient deposit failed: The Interac e-Transfer could not be deposited to the recipient’s account.
• Recipient deposit completed: The Interac e-Transfer has been deposited to the recipient’s account.

International Money Transfer statuses

• Entered: The International Money Transfer has been created and may need one or more approvals before it can be submitted.
• Deleted: A user deleted an International Money Transfer so it can no longer be submitted or otherwise actioned.
• Approval 1: The International Money Transfer needs more than one approval and has been approved by one user.
• Approval 2: The International Money Transfer needs more than two approvals and has been approved by two users.
• Ready: The International Money Transfer has met all approval requirements and can be submitted to the Bank for processing.
• Sent: The International Money Transfer been submitted to the Bank for processing but has not yet been accepted or rejected.
• Rejected: An International Money Transfer has failed a Bank or host validation.
• Cancelled: The International Money Transfer has been cancelled and can no longer be sent for processing.

A payment can fail for various reasons, depending on the payment type and circumstances. You may or may not be able to fix the problem or resend the payment. 

When an EFT payment fails

• After an EFT has been submitted, it might fail a Bank or payment system validation and be marked with a status of Rejected. This could be due to incorrect or incomplete payment information. You can attempt to set up the payment again, double-checking the details.
• If for some reason an EFT cannot be received by the recipient’s financial institution, it will be marked with a status of Returned. You can attempt to set up the payment again on ScotiaConnect. Consider checking with your recipient to be sure you have their accurate payment information.

When an EFT payment from a file upload fails

• An EFT from an uploaded payment file will be marked with a status of Failed if the payment contains missing or incorrect information. You can correct the payment information and reupload the file for processing on ScotiaConnect.

When a wire payment fails

• After a wire payment is submitted, it might fail a Bank or payment system validation and be marked with a status of Rejected. This could be due to incorrect or incomplete payment information. You can attempt to set up the payment again, double-checking the details. There could also be an issue identified by our wire processing department that causes them to cancel a wire. You will be sent an incoming memo notifying you of the cancellation.

When an Interac e-Transfer fails

A submitted Interac e-Transfer may fail to be deposited to the recipient’s account if:

• the recipient answers the security question incorrectly,
• the recipient declines the Interac e-Transfer,
• the recipient does not respond before the Interac e-Transfer expires (30 days after submission)
• there is an issue with an Autodeposit recipient’s account, i.e. if a recipient’s account is invalid or closed.

When an International Money Transfer fails

• After an International Money Transfer is submitted, it might fail a Bank or payment system validation and be marked with a status of Rejected. This could be due to incorrect or incomplete payment information. You can attempt to set up the payment again, double-checking the details.

To submit a payment that requires foreign currency conversion, you’ll be asked to accept a foreign exchange rate.

ScotiaConnect offers two ways to book an exchange rate:

• Accept a real-time FX rate to secure the best, most current exchange rate for the selected currency.
• Use the pre-booked rate that you’ve previously set up with the Bank for making wire payments. you’ll be given the option to apply it and override the real-time rate. Find out how to pre-book a foreign exchange rate.

Call your local branch or the Business Service Centre (BSC) at 1-888-855-1234, Monday to Friday, from 8:00 a.m. to 5:00 p.m.

Ask for both the market rate and the inverted rate. If you don’t ask for both, you will only be given the market rate. Read more about market rate and inverted rate.

The Bank will also give you a reference number that you will use to apply your pre-booked rate whenever you set up wire payments on ScotiaConnect.

If a wire payment amount is above a specific limit (based on payment currency), you can accept a foreign exchange rate when you submit the payment to the Bank for processing.

This process assures you the most current real-time foreign exchange rates for your higher-value wire payments. It also provides an extra security check and fraud protection.

If a wire payment amount is below the specific limit, ScotiaConnect applies the standard daily rate for converting to the payment’s currency.

When you set up the payment, you can check the rates inquiry table to see if the amount is above or below the limit for your payment’s currency.

Market rate is used to convert a stronger currency to a weaker currency. Inverted rate is used to convert a weaker currency to a stronger currency. For example, if the market exchange rate for US dollars to MXN is 20.0000 and you want to do a conversion from Mexican pesos (MXN) to US dollars (USD) – your wire amount is in MXN - you would use the inverted rate.

• Inverted Rate conversion: $1,000 Mexican Pesos = $50 US dollars
• Market Rate conversion: $1,000 Mexican Pesos = $20,000 US dollars

Once an International Money Transfer has been submitted, it cannot be cancelled or changed.

To recall can an Interac e-Transfer:

1. Go to Payment search to search the Interac e-Transfer you need to recall.
2. On the payment details page, use the Action menu to select Recall Interac e-Transfer.
3. Select the account to reclaim the funds and confirm the recall.

Don’t see the option to recall an Interac e-Transfer?

You won’t see this option if the Interac e-Transfer is not eligible for recall. An Interac e-Transfer may be ineligible for recall if:

• The recipient uses Autodeposit to receive Interac e-Transfers. With Autodeposit, the funds are automatically deposited into the recipient’s account and cannot be recalled.
• The recipient has declined the Interac e-Transfer.
• The Interac e-Transfer request has expired (30 days after submission)
• The funds have already been deposited into the recipient’s account.
• The status of the Interac e-Transfer is temporarily unavailable. In this case, you can check back later to try to request the recall.

If you need to recall an EFT that you’ve sent out, you'll find a link in the Post-payments services section of Payments.

From here, you can search through your EFTs to see which can be recalled. When searching for the EFT you need to recall, you must first enter the relevant agreement number and file creation number (ICN). If you don’t have those numbers handy, you can find them in the details of the payment using Payment search.

If a recall is not possible due to timing, you may be able to request a reversal of an EFT. As a courtesy, check with your intended recipient before requesting a reversal.

Once you’ve submitted a recall or reversal request, you’ll receive a request confirmation number. Save this number to track the progress of your request(s).

To track the progress or review the status of any recall/reversal activity, search by your request confirmation number in EFT recall history.

Note: ScotiaConnect retains EFT recall information going back 2 years.

Checking the status of an EFT recall request

• A successfully completed recall request will be marked with the status Completed. The funds will be returned to your account.
• If a recall request cannot be completed, it will be marked with the status Rejected. The funds will continue to be sent to the recipient’s financial institution.

Checking the status of an EFT reversal request

• A successfully completed reversal request will be marked with the status Completed. The funds will be returned to your account.
• If a reversal request cannot be completed, it will be marked with the status Rejected. The funds will continue to be sent to the recipient’s financial institution.

Whenever a payment or payment file is processed, ScotiaConnect creates a File Confirmation Number (FCN). Please note, FCN is different from a payment file’s File ID.

To trace an EFT you’ve sent out, go to Payments and use the links in Post-payment services.

From here, you can request a trace of an EFT up to 90 days after the payment's due date.

If a due date is more than 90 days in the past, you can request a trace by downloading a request form and faxing it to 1-800-899-7605.

Trace request form

Requests will usually be responded to within 3 to 5 business days. This request turnaround time may be longer if your recipient’s financial institution is not a member of Canadian Payments Association .

Once you’ve requested an EFT trace, save your trace request number to track the progress of your request(s) in Trace history.

Use Payment search to find the wire payment you’d like to track. If the wire payment is eligible to be tracked, you’ll see a Track Now link in your search results.

This link takes you to a tracking screen where you’ll see where the payment is on its way to its destination. A payment may be in progress, rejected, or completed and received by your recipient’s bank.

If a wire payment has been rejected, you can create a wire memo right from the tracking page to find out why. Read more about wire memos.

NOTE: Longer tracker times may be due to payments being processed through banks/networks not enabled to track payment status. For further details, contact the recipient’s bank.

Use the Wire memos feature to communicate with the Bank about traces, investigations, and recalls related to wire payments.

Requesting information about past wire transactions?

Send a query memo. You’ll need to provide the payment ICN*, as well as a reason for your query.

Requesting that a wire payment be cancelled?

Send a recall memo. You’ll need to provide the payment ICN*. NOTE: We make our best effort to fulfill recall requests. However, in some cases the receiving bank may have already processed the payment.

Requesting something other than a query or recall?

Send a free-form memo. If applicable, please include the investigation case number.

Once the Bank has received your memo, it will be assigned a reference number. Use this reference number as one way to search for and review your existing memos, along with memo type, status, and creation date. To view details of a memo listed in your search results, click on its reference number.

*Scotiabank automatically generates an internal control number (ICN) for each transaction received and processed.

Go to Services to stop payment on cheques.

NOTE: To request stop payments on more than 12 cheques at once, or if the cheques have serial numbers with more than 8 digits, you’ll need to contact your Branch or the Business Service Centre (BSC) at 1-888-855-1234, Monday to Friday, from 8:00 a.m. to 5:00 p.m.

If you change your mind about stopping payment on a cheque, you may be able to cancel your request:

Haven’t sent the request to the Bank yet?

Simply delete it from your list of pending stop payment requests. The cheque will continue through processing.

Already sent the request to the Bank?

In this case, you will need to formally cancel the request by using Remove stop payments.

To pay someone new, you first need to create a new recipient profile. This profile will include all the contact and banking information you’ll need to quickly and easily pay this recipient any time.

To set up a new recipient profile, go to Manage recipients and click Add recipient. You may also be prompted to add a recipient when creating a payment.

Depending on your organization’s levels of approval, creating a new recipient may require more than one user: one user to create the recipient and another to approve the recipient. Levels of access and approvals can be set up by an administrator.

You can also go to Manage recipients to make changes to existing recipients.

You’ll need different information depending on your recipient’s payment needs:

• Interac e-Transfers: Recipient’s name and email address and bank information, if applicable
• Electronic funds transfers (EFT): Recipient’s name and bank information
• International ACH transfers (IAT): Recipient’s name and bank information
• Wire payments: Recipient’s name and address and bank information
• International Money Transfer: Recipient’s name and address and bank information

Use Manage recipients to search existing recipients. You can view or make changes to a profile, including deleting, approving, and activating/deactivating.

Use Manage recipients to upload a predefined .csv file of existing recipients. After you’ve uploaded the file, you’ll receive a summary in your ScotiaConnect Message Centre.

Get the detailed specifications for a recipient import file

Through ScotiaConnect, you can pay bills to more than 7,500 companies in Canada from a Canadian dollar Scotiabank account. Payment can be created online or imported as a batch file. Importers can make Canadian Border Services Agency (CBSA) payments online.

NOTE: The list of Canadian companies that can be paid through Bill Payments on ScotiaConnect is predefined. If you cannot find a specific company, please contact your Relationship Manager or your Small Business Advisor.

A Super User or administrator can use ScotiaConnect to separate bill payment duties within your organization. You can set it up so that paying a bill requires two users: one to set up (create) the payment and another user to approve and submit the payment.

Use Payee maintenance to add companies to your payee list or to update the payment accounts you have on record for existing payees.

NOTE: The list of Canadian companies that can be paid through Bill Payments on ScotiaConnect is predefined. If you cannot find a specific company, please contact your Relationship Manager or your Small Business Advisor.

Bill payments can be made from Canadian dollar Scotiabank accounts. Please make sure you have sufficient funds and that any holds on your accounts are cleared 24 hours prior to the bill payment date. Otherwise, your bill payment transaction(s) will not be processed.

To create a new bill payment, you first need a payee. Select a payee in one of two ways:

Select from a list of payment accounts for the companies you pay regularly

1. Go to Bill payments.
2. Select a payment account. This is the specific account of the company you’re paying the bill to (i.e., your payee). Add new payees and payment accounts through Payee maintenance.
3. Select the account from which funds will be deducted to pay the bill.
4. Enter the amount and date, along with an optional comment for your own records.

Select from a predefined list of companies to pay quick “one time” bill payments

1. Go to the One time tab.
2. Search for a payee by category, province, and/or company name.
3. Select your payee from the resulting list or try new search criteria.
4. Enter a payment account number for the company.
5. Select the account from which funds will be deducted to pay the bill.
6. Enter the amount and date, along with an optional comment for your own records.

If an additional approval is required to submit a bill payment, it will be added to the list of Pending bill payments. It is from here that another user can select the bill payment to delete, approve, and/or submit it.

If you have the entitlement access to directly submit bill payments, you’ll be asked to confirm payment details and decide if you’d like to submit it right away or later. If you choose to submit it later, the payment will be added to the list of Pending bill payments.

You may also be able to use Bill payment import to upload a file onto ScotiaConnect and make multiple bill payments at one time. Read more about paying more than one bill at a time.

Through Bill payment import, you can upload a file onto ScotiaConnect and make multiple bill payments at one time.

The file format can be either fixed length text or comma separated, with a file name of a maximum of 64 characters, including the file extension.

Before you import, be sure the file includes the following, so it can be accepted and processed:

• A payment company name, maximum of 30 characters. NOTE: Must match a Payment Company previously added through Payee Maintenance.
• A short name, maximum of 80 characters, to represent the company.
• The payment account, maximum of 35 characters. This is your payee’s specific account into which you’re paying the bill.
• The from account, maximum of 12 characters, representing your account from which funds will be deducted to pay the bill. NOTE: Must be an active Canadian dollar (CAD) demand deposit account.
• The account, maximum of 17 characters. This is the payment account for each corresponding row in your file. NOTE: Must be a numeric value > 0.00 and <= 99,999,999,999.99.
• The payment date, in mm/dd/yyyy format. This is the date on which you want the payment to be made. NOTE: Must be either current date or future-dated up to one year.

Once a bill payment file has been imported, you’ll receive a summary showing number of records in the file that have been accepted and rejected, along with any reasons for rejection.

Yes, you can set a date on any bill payment that is up to one year ahead of the current business day.

The bill payment cut-off time is 8:00 p.m. ET, Monday to Friday. Bill payments made after the cut-off time – or on weekends or holidays – will be future-dated to the following business day.

We recommend that you pay bills 3 days before the due date since companies may take 2 to 3 business days to process and post the payment to your account.

Depending on your level of access, you may be able to approve and/or submit bill payments. Go to Pending bill payments and select the bill payments you need to act on.

Upon confirmation, you’ll see a summary table outlining the payment details, status, and action you can take on each payment.

Special notes about selecting payments:

• If your selection includes bill payments that you are not authorized to act on, those payments will be excluded from the action and remain in the list of pending items.
• If your selection includes past-dated bill payments, you’ll be asked to confirm whether you want to submit all payments at once or omit the past-dated bills. Any bill payments not submitted will remain in the list of pending items.

Depending on your level of access, you may be able to delete bill payments from the list of Pending bill payments. A bill payment can be deleted any time before it has been submitted to the Bank. You also have until 8:00 p.m. ET on the same day you submitted a bill payment to request a recall.

You have until 8:00 p.m. ET (same day) to request a recall of bill payments you have submitted. Within this time frame, you can access and request a bill payment recall in two ways:

Right after you submit bill payments

After you submit bill payments, you will see a summary of the submission. If it is still before 8:00 p.m. ET on the same day, you will have aye an option to recall those submitted bill payments.

Later in the same day

If you realize that you need to recall a bill payment you have made within the same day, go to Bill payments history and search to find the bill payments you need to recall. If it is before the cut-off time of 8:00 p.m. ET, you will see a Recall button in the Action column of the table, next to the applicable bill payments.

Once you’ve requested a recall, check the bill payment’s status to find out the Bank’s response:

Recall accepted	The recall request has been received. The bill payment will be cancelled and not sent to the payee.
Recall failed	The recall request could not be fulfilled. The bill payment will be sent through to the payee as originally submitted.
Recall unknown	There has been an unspecified system error. Please contact Client Services & Solutions to check on the status of your bill payment recall request.

Check the status of a bill payment in Bill payments history. From there, search by status, payee, and date range and either view or create a report of the results.

A bill payment can have the following statuses:

Pending	The bill payment has been created but not yet approved.
Ready	The bill payment has been created and approved but not yet submitted.
Accepted	The bill payment has been submitted to the Bank and accepted for processing. NOTE: At this point, a bill payment can no longer be deleted. You have until 8:00 p.m. ET (same day) to request a recall of bill payments you have submitted.
Rejected	The bill payment has been submitted to the Bank and has been refused. It will not be processed. Check the bill payment details for more information about why a bill payment has been rejected.
Future dated	The bill payment has been created and approved for submission at a selected future date.
Unknown	Please contact Client Services & Solutions.
Recall accepted	The request for a recall has been received. The bill payment will be cancelled and not sent to the payee.
Recall failed	The recall request could not be fulfilled. The bill payment will be sent through to the payee as originally submitted.
Recall unknown	There has been an unspecified system error. Please contact Client Services & Solutions to check on the status of your bill payment recall request.

If a bill payment has not been transmitted to the Bank, you can view its details in the list of Pending bill payments. If a bill payment has been transmitted to the bank, you’ll need to search to find it in Bill payments history.

When you locate the bill payment you need, check the payment details and print or save the information as a report.