Adviser Initiated Payments

Adviser Initiated Payments (AIP) allows you to make payments on behalf of your client from their cash, pension or super accounts. 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
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 Macquarie Authenticator push notification.

You will not be able to initiate a payment request in Adviser Online if your client has not registered for the Macquarie Authenticator app and enabled push notifications. The Client logins tile on the Client overview screen in Adviser Online will show whether your client has Authenticator installed. If your client is showing as having Authenticator installed and you're still not able to initiate a payment request in Adviser Online, this is because your client has not enabled push notifications. Your client must enable push notifications and complete all of the steps in the training simulator to finalise their set up for Authenticator.

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. Select Send authorisation. The authoriser(s) selected as approvers of the payment will receive a push notification 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 the Macquarie Authenticator for your clients article.
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 the person who initiated the payment will receive a notification in Adviser Online advising them that the payment has been denied.

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.

Adviser Initiated Payments (AIP) don’t need to be approved immediately. You’ll only be able to approve a payment once the authoriser(s) approve the push notification. 

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 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. You can view saved payments in Manage payments.

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. 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.