Cards and payments

16 February 2022

Uploading XML files in Business’Bank

This guide helps you with uploading XML files of SEPA Credit Transfers (SCT) and SEPA Direct Debits (SDD) in Business’Bank. Note: The Business Premium option available in Business’Bank must be activated. For more info, please contact your ING Advisor.

How to send files

  • Business’Bank Menu

  • Selecting and sending files with a first signature

  • Uploading files

  • Entering the second signature

  • Signing the transaction

1. Business’Bank Menu

After logging in, select the following menu from the home screen:

Click on Payments > Payment files > Upload a file

2. Selecting and sending files with a first signature

  • Click on “Choose File” in the “Upload files” screen (see below) and select the file on your hard drive.
  • Define the transaction type of the file your accountancy program generated.
  • Not sure which layout form your program generates? Contact the program supplier.
  • Enter a reference of max. 12 characters so you can recognise which file you have sent. This field is mandatory.

Warning: you can only use a reference once every 24 hours. If you use it a second time, the file will be blocked and you will have to delete the second file.

3. Uploading files

  • Click on “Validate” to get an overview of the file you are sending.

  • Click on “Sign” to send the file

  • You get a warning message: a second signature will be needed within a few minutes to execute the transactions.
  • During this timeframe, the following info is checked:
  • is the structure of the file correct?
  • is the content of the file correct?
  • do you have the necessary powers?
  • are the account numbers of the beneficiaries (for a SEPA Credit Transfer) and the account numbers of debtors (for a SEPA Direct Debit) correct and do they exist?

If you should have sent the wrong file, you can delete it after the verification period.

A file can only be executed after entering the second signature.

4. Entering the second signature

  • Click on Payments > Payment files > Envelopes to sign
  • Click on the reference (in blue) to receive a detail of the file

You receive a detail of the file you sent: principal account (ordering account for SEPA Credit Transfer or account of the creditor for SEPA Direct Debit), number of transactions, total amount, execution date and transaction status.

Warning: If your transaction has another status than “insufficient signature”, contact the Business’Bank Helpdesk via 02 464 60 04 (option 2).

  • If all data is correct, click on “Validate the envelope”

5. Signing the transaction

Sign the transaction.

Warning for SEPA Direct Debit in Business’Bank:

Be sure not to mix the “key-in” feature with the “upload” feature.