Adviser Initiated Payments (AIP) User Guide What is AIP? Adviser Initiated Payments (AIP) is a new service now available via Macquarie Access that enables you to initiate a payment and give your clients the ability to authorise payments from their Cash Management Account (CMA) or Consolidator Cash Account (CCA). It will save you time and provide both you and your clients with more control when transacting online.

Who can use AIP? AIP will allow you to make payments from your clients’ Cash Management Accounts (CMAs) and Consolidator Cash Accounts, through Macquarie Access. To be able to complete a payment your client will need to have their current mobile number and email address on record with us and the account signing instructions will need to be any one or two to sign.

What payments can be made using AIP? AIP will give you and your clients the flexibility to make a number of different payment types without the need for a signed request. The payment types available are: • 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).

• Registered to BPAY® Pty Ltd ABN 69 079 137 518

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Adviser Initiated Payments (AIP) User Guide

How do I make payments using AIP? To use AIP, follow the steps below once you’ve logged onto Macquarie Access.

1

Search for the client or account you are making a payment from.

There are multiple ways to search for your clients and accounts as shown below. 1. Client search via the Macquarie Access main page

2. Client search via the Clients and accounts tab using the account number



To search via the client’s name use the Client search field on the home page. Enter the client’s name and select as shown below.

To search via the client’s account number use the Clients and accounts tab. Enter the account number as shown and then select the client from underneath.

Select the drop down box next to the amount and then select the client name underneath to be taken to the next step.









2

Ensure your client has their current mobile and email address on record.

NOTE: Ensure your client details are correct as these will be used to send them confirmation of a transaction via SMS and email.

3

Choose the account and select Make a payment.

Adviser Initiated Payments (AIP) User Guide

4

The Make a payment screen will open in a new page.



NOTE: Ensure you have turned off pop-up blockers in your browser settings to allow this page to open.

5

You can choose to make a payment to an existing account or a new biller or payee.

If the account has any nominated accounts, saved payees or billers you will see these in the drop down field under the To field.



Alternatively if you’re making a payment to a new payee or biller select +New payee or biller.











If you’re making a payment to a new payee or biller you’ll need choose either the Transfer or BPAY® tab depending on the



payment type.

BPAY

PayAnyone









Enter the amount and include a description (optional) which will appear on the recipient’s statement and select Create request.





6

Review the details of the payment you’re making and select a client to send the secure code to. If there are multiple signatories you will be given a choice, provided the client has recorded their mobile and email addresses with Macquarie.



NOTE: AIP is not available for accounts where the signing instruction is anything other than any one to sign or any two to sign.

Adviser Initiated Payments (AIP) User Guide

7

Your client will receive an SMS with a secure code. The secure code must be provided verbally to you. Once the payment has been created, the code will expire at 12am the following day.

It is important for security that you verify you are speaking to your client before accepting the code. The code must be provided verbally and must not be accepted via SMS or email. NOTE: If you want to send the SMS to a different client on the account after this step you will need to cancel the payment request and start again.

8

Enter the secure code, select the box to confirm you were provided the code verbally and then select Continue to authorise the payment.

NOTE: If your client has not received the SMS, you can resend by selecting Resend SMS.



What happens next? Once authorised your client will receive a confirmation email and SMS for their records.

When will the payment be received? Any payment authorised online before 5pm on a business day will be sent overnight and received the next morning. If the payment is being sent to another CMA, during business hours, it will be received within 20 minutes of being authorised.

Adviser Initiated Payments (AIP) User Guide

Searching for transactions Follow the below steps to view pending and completed transactions.

1

2

Select Manage payments and the View Payments screen will appear as a pop up.

Here you can search by client name, account name, account number or reference number in the search box to find a transaction. Any transactions that have no payment date and a yellow flag represent pending payments that are yet to be submitted.

Ensure the right status is selected in the Request Status field.

Troubleshooting In some instances you will not be able to use AIP for a particular account or payment type. Below are some scenarios where this might occur. • If your client does not have the correct mobile or email address registered. To update these details, your clients can simply call us on 1800 806 310. • If the amount of the transactions processed during the same business day exceed $100,000 for a PayAnyone payment. • There are no limits on how much you can transfer out using BPAY however there can be incoming limits. Check with the payee to find out if limits apply. Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502.

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