Payment Authorisation Groups Help Centre FAQs

Introduction to Payment Authorisation Groups

What is Payment Authorisation Groups?

Payment Authorisation Groups is optional functionality in Santander Connect Plus which allows you to create flexible authorisation rules for the authorisation of payments.

When Payment Authorisation Groups is switched on all payments are subject to the Payment Authorisation Groups rules.

This functionality allows your users to be put into groups of authorisers. You can then decide which group(s) need to authorise a payment based on the payment amount.

By switching Payment Authorisation Groups on your users will be able to access to new payments authorisation scree to authorise payments from.

How does Payment Authorisation Groups work?

Payment Authorisation Groups works by:

1. Adding your online banking users into groups of authorisers (Group A, Group B, Group C etc…)

2. You can then decide which Payment Authorisation Groups need to authorise a payment based on the payment amount. Payment Authorisation Groups can be assigned to a tiers using AND or OR rules.

  • AND rules mean authorisation is needed from another group(s) For example: Group A + Group B
  • OR rules allow for different groups / rules to be involved in the same tier. For example Group A + Group A or Group B

For Example:

Payment Authorisation Groups:

Group A: User 1, User 2, User 3

Group B: User 4, User 5, User 6

Group C: User 7, User 8

Group D: User 9, User 10, User 11

Payment Authorisation Tiers and Rules:

Tier 1: £0 - £50,000 = Group A

Tier 2: £50,000 - £100,000 = Group A + Group B

Tier 3: £100,000 - £500,000 = Group C + Group C Or Group C + Group D

Tier 4: £100,000 - £1,000,000 = Group D + Group D + Group D

  • Tier 1 requires 1 user from Group A for a payment to be fully authorised. (Single authorisation).
  • Tier 2 requires 1 user from Group A and 1 user from Group B for a payment to be fully authorised (Dual Authorisation). The authorisations are not sequential. The user in Group B could authorise before the user in Group A.
  • Tier 3 requires 2 users from Group C OR 1 user from Group C and 1 user from group D for a payment to be fully authorised (Dual Authorisation). This must be 2 different users from Group C.
  • Tier 4 requires 3 users from Group D for a payment to be fully authorised. (Triple Authorisation) The payment must be authorised by 3 different users from Group D.
What are Payment Authorisation Groups?

Payment Authorisation Groups are groups of similar users. These can be assigned to Tiers using ‘And’ or ‘Or’ rules to create authorisation rules

  • You can create a maximum of 10 Payment Authorisation Groups.
  • Each Group can be renamed to make them easy to identify.
  • There is no maximum number of users which can be added to a Group.
  • A user can only belong to one Group.
What are Payment Authorisation Group Payment Tiers?

Payment Authorisation Group Payment Tiers allow you to create flexible authorisation rules based on the value of the payment. For each Tier you will need to specify a minimum value, a maximum value and the groups which can authorise payments of this value.

  • Each Tier can be renamed to make them easy to identify
  • You can create a maximum of 5 Tiers
  • Each Tier can have a maximum of 3 ‘and’ rules
  • Each Tier can have a maximum of 3 ‘or’ rules
  • Payment Tiers apply to all payment types
  • The first Tier must start from £0.00 and there can be no gaps between tiers. For example; If the first tier is £0.00 to £1,000 then the next tier must start from £1,000.01.
  • Any non-GBP payments are converted to GBP to determine which tier rules will apply.
What payment types does Payment Authorisation Groups apply to?

a. Standard Payments

b. CHAPS Payments

c. Electronic International Payments

d. IAT Payments

e. Draft International Payments

f. Bulk Payments (Faster Payment and Bacs)

g. Standing Orders

h. Imported Payments

i. Payments made from a template

What are the charges for Payment Authorisation Groups?

There are no additional charges for using Payment Authorisation Groups. The standard Santander Connect Plus fees apply for online accounts and online users.

What are the features of the new Payment Authorisation Groups authorisation screen?
  • By default users will see all the payments that they can authorise. These can be sorted by status or type of payments.
  • Users can select, Authorise, Cancel or Clear up to 300 payments at a time
  • The ability to search for payments by value, type, reference or any keyword.
  • The ability to export single or multiple payments to a PDF for reconciliation outside of Santander Connect
  • The ability to view which Payment Authorisation Groups need to authorise a payment and which Payment Authorisation Groups and users have already authorised a payment.
  • Payments that are about to expire are highlighted to uses. Users may want to authorise these first to avoid them expiring.
  • Payments that have been edited since they have been created are highlighted. Users may want to take extra care when authorising these payments as the payment details have been changed.
  • When Authorising, Cancelling or Clearing payments the total value and volume of payments is highlighted to the user.

Switching PAGs on and off

How is Payment Authorisation Groups switched on?

Payment Authorisation Groups can be switched on by Administration users using the Payment Authorisation Groups Administration section within the Administration tab.

To switch PAGs on you will need to have created your Payment Authorisation Groups and Tiers. You can edit your Payment Authorisation Groups and Tiers at any time before switching PAGs on.

There can be no payments in the progress of being authorised when Payment Authorisation Groups is switched on.

When switched on Payment Authorisation Groups will override your Company Payment Limit, Dual Authorisation Threshold, IAT Trigger Value and individual user’s limits. The maximum value of your largest tier will automatically become your new Company Payment Limit.

What happens to the Company Payment Limit, Dual Authorisation Threshold and IAT Trigger Values When Payment Authorisation Groups is on?

Payment Authorisation Groups overrides the customers Company Payment Limit, Dual Authorisation Threshold, IAT Trigger Value and individual user’s limits. The maximum value of your largest tier will automatically become your new Company Payment Limit.

What happens to individual user’s authorisation limits when Payment Authorisation Groups is on?

Payment Authorisation Groups overrides user's individual payment limits. We would advise that users with similar authorisation limits are placed in the same Payment Authorisation Groups.

When Payment Authorisation Groups is on can I change my Payment Authorisation Groups Rules?

When Payment Authorisation Groups is you will only be able to change the users in each Payment Authorisation Group. The Payment Authorisation Groups Tiers can not be changed when Payment Authorisation Groups is on.

To change your Payment Authorisation Groups Tiers you will need to switch Payment Authorisation Groups off, change the Tiers and then switch Payment Authorisation Groups back on again.

Does Payment Authorisation Groups work with Dual Administration?

Payment Authorisation Groups is integrated with Dual Administration. If Dual Administration is on then any changes to Payment Authorisation Groups will need to be approved by a 2nd administration user via the Dual Administration queue.

How is Payment Authorisation Groups switched off?

Payment Authorisation Groups can be switched off by Administration users using the Payment Authorisation Groups Administration section within the Administration tab.

There can be no payments in the progress of being authorised when Payment Authorisation Groups is switched off.

Once switched off your previous Company Payment Limit, Dual Authorisation Threshold, IAT Trigger Value and individual user’s limits will apply for the authorisation of payments.

Authorising payments

How do I view payment that need authorising?

To view and authorise a payment you will need the appropriate payment authorisation service for the type of payment you wish to authorise. You will need to consult your Administrator to ensure you have the required services.

From the Payments tab, select Authorise Payments from the left hand menu. This will display all payments that the user can authorise. Please note, some payments may be listed on additional pages, click ‘next’ from the navigation buttons to review subsequent pages of payment listings.

How many payments can be authorised at the same time?

A maximum of 300 payments can be authorised with one use of your security device.

How do I know who needs to authorise a payment?

Clicking on the payment status will show a summary of the Payment Authorisation Groups Rules that apply for that payment.

Any Groups shown in green will have already authorised the payment. For these groups you will see the user who has authorised the payment.

Any Groups showing in grey have not yet authorised the payment.

Why can’t I authorise a payment?

There are a number of reasons why you cannot authorise a payment

1. You are in Payment Authorisation Group that can’t authorise the payment

You will only be able to authorise payments based on the Payment Authorisation Rules set up for your company.

2. Your user role may not have the privileges to authorise payments

If you cannot see the “authorise payments” left hand menu under the payment tab then you are unable to authorise payments. For access to authorise payments please speak to your administrator.

3. You do not have enough funds available in the debit account

If there is insufficient funds in the debiting account then you will not be able to authorise a payment

Help and support when using your security device?

Click here for help and support when using your security device.

Cancelling payments

How do I cancel payments

To view and authorise a payment you will need the appropriate payment authorisation service for the type of payment you wish to cancel. You will need to consult your Administrator to ensure you have the required services.

From the Payments tab, select Authorise Payments from the left hand menu. This will display all payments that the user can cancel. Please note, some payments may be listed on additional pages, click ‘next’ from the navigation buttons to review subsequent pages of payment listings.

How many payments can be cancelled at the same time?

A maximum of 300 payments can be cancelled with one use of your security device.

How do I know who needs to cancel a payment?

Any user who has the relevant permissions can cancel a payment. Cancelling payments does not follow the Payment Authorisation Groups payment authorisation rules.

Help and support when using your security device?

Click here for help and support when using your security device.

Resetting authorisations

How do I reset the authorisation on a payment?

To reset the authorisation on a payment you will need the appropriate service for the type of payment you wish to reset. You will need to consult your Administrator to ensure you have the required services.

From the Payments tab, select Authorise Payments from the left hand menu. This will display all payments that the user can reset. Please note, some payments may be listed on additional pages, click ‘next’ from the navigation buttons to review subsequent pages of payment listings.

How many payments can be reset at the same time?

A maximum of 300 payments can be reset with one use of your security device.

Help and support when using your security device?

Click here for help and support when using your security device.