I hope this operating procedure will be useful to you. Operating Procedures for Enterprise Online Banking Payment Service (1) Basic Provisions 1. Online collection and payment service refers to the business that corporate customers handle through online banking, from the unit settlement account to The business of paying money from personal settlement accounts or deducting money from authorized personal settlement accounts to unit settlement accounts consists of two parts: collection business and payment business. The agency payment business is divided into batch payment and single payment. 2. Corporate customers need to apply to the account-opening bank to handle collection and payment services; collection services and payment services need to be opened separately. Collection services require maintenance of authorized accounts. 3. When applying for an online payment service, salary and bonus funds must be paid from the basic settlement account of the enterprise, and the total salary must be set as needed. According to relevant regulations, the current single payment amount of agency payment business shall not exceed RMB 50,000. A single payment cannot handle salary and bonus expenditures. 4. Each type of collection and payment business application must correspond to a 94 account number, and the ABIS bank number of the 94 account number must be consistent with the ABIS bank number of the corresponding check account. 5. The batch collection and payment business is implemented based on the backend batch processing transactions of the intermediate business platform. In the collection business, the money collected in the 94 account is automatically credited to the unit settlement account at the end of the day. In the agency payment business, the money is automatically credited to the personal account when the batch transaction is completed. The money retained in the 94 account due to some reasons is automatically rolled back to the unit settlement account at the end of the day. (2) Agency payment business 1. Operating regulations (1) The business scope of agency payment business includes: wages, bonuses; investment principal and interest; income from the transfer of personal claims; transfer of personal loans; securities transaction settlement funds; futures margin; inheritance Donations; insurance claims and surrenders; tax refunds; income from sales of agricultural and sideline products; official reimbursements, etc. (2) The agency payment business includes single payment and batch payment. Application for agency payment business will enable single and batch functions at the same time. (3) The business category of single payment does not include the "salary bonus" item, that is, salary payment is not allowed in the single payment function. (4) The agency payment service must set a single transfer limit in the CIF, with a maximum of 50,000 yuan; corporate customers can apply to the account opening bank to set a single transfer limit within the range of less than 50,000 yuan (including 50,000 yuan). Transfer limits. 2. Business activation review (1) Corporate customers apply to the account-opening bank to activate the online banking agency payment service. The account-opening bank reviews the following written materials: ①Application form for agency payment service; ②Agency payment agreement; ③If the customer applies to activate agency payment of wages, the customer The company's basic account opening license and the wage manual issued by the labor department must be provided; ④ If the company applies to open securities settlement funds, futures margin, insurance claims and surrender, tax refund and other business categories, the customer must provide written certification materials. 3. Business activation operation (1) After the account opening bank reviews the application materials and they are correct, it will generate a specific 94 account number for the agency payment business (corresponding to the settlement account of the unit applying for agency payment), and fill it in the application for agency payment business. After stamping the official business seal, deliver it to the registration bank. (2) After the registration bank receives the application materials from the account-opening bank, the operator of the registration bank first reviews the application materials. After passing the review, the operator enters the payment service activation application form filled in by the online banking customer on the CIF client. ①Enter "Enterprise Payment Service Activation and Maintenance" under the "Enterprise Customer Settings" menu, and enter the following elements according to the prompts on the screen: the customer number of the online banking customer; select the business type and account number, enter the single transfer limit and 94 account numbers; business category such as salary Bonuses, etc. (If the customer applies for a custom business type, the operator can choose other, and then enter the newly added business type in the pop-up box. This type is only valid for this customer). After the input is completed, submit it to another operator for review. . ② Another operator logs in to the CIF system and the application can take effect only after passing the review of the business settings. The registration bank needs to print two copies of the maintenance receipt for the payment service. One copy should be given to the applicant enterprise as a receipt, and the other copy should be retained by the registration bank. If you open a salary and bonus business, you also need to specify a basic account in the CIF, and then set the total salary as needed. 4. Business maintenance operation If the customer changes the settings of the agency payment business (such as modifying the total salary, etc.), he or she needs to submit an application for maintenance of the agency payment business to the account-opening bank. Please refer to the application process for subsequent procedures. 5. After the business function operation service is opened, the enterprise administrator needs to carry out operator account permission management, operator function permission management, business attribute maintenance and other settings, and set the functional permissions such as single payment and batch payment file upload, review and query Awarded to operators in different positions. In order to prevent risks, the system mandates that batch transaction instructions must be reviewed by another person before they can be submitted for processing. The specific operation of the agency payment service function is as follows: (1) Upload the batch payment service files. The enterprise operator logs into online banking, selects "Batch payment service file upload" in "Agency Payment Service", and confirms; select the business type and batch according to the system prompts. file, then enter the total amount, total number of transactions, and remark information and press "Confirm". The page will display "The file is being uploaded, please wait." After success, it will prompt "Transaction Successful" (or it will prompt "Transmission failed, please retransmit". ). Click "Confirm" to submit it to the reviewer for review. Note: ① The account number in the payment file must comply with the account coding rules; ② The amount in the payment file cannot be greater than the single transfer limit applied by the enterprise; ③ The total amount of payment cannot be greater than the limit set in "Operator Account Authority Management" Determined transfer amount.

④ When paying wages and bonuses on behalf of the company, the total amount of the company's current payment and the total amount of wages paid this year are not allowed to be greater than the total wages set in the CIF. (2) The reviewer of the batch payment business review logs into online banking, selects "Batch Payment Transaction Review" in "Review Print", and reviews the total amount, total number of transactions and total number of people in the file (click the "View Details" button to view Detailed records of the collection documents of this batch, the detailed records are displayed in pages in list form), select "Agree" if approved, otherwise select "Reject". (3) Single payment business. Its operation processing refers to payment transfer.